Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and Kemper. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Kemper and Liberty Mutual are both well-known companies in the auto insurance industry. Kemper was founded in 1990, and Liberty Mutual was founded in 1912. While Liberty Mutual is liked for its better car replacement tools and competitive rates, Kemper is also liked for its low premiums and extensive umbrella policy option. Additionally, Liberty Mutual is ranked #8 in top auto insurers for 2016 and received a J.D. Power award for most satisfying purchase experience in the auto insurance industry. However, Liberty Mutual lacks 24-hour customer support, and Kemper has a slow and lengthy claims process. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Liberty Mutual
|
Kemper
|
| Worst If |
Liberty Mutual
|
Kemper
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible. Exclusive Group SavingsLiberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company. |
Kemper |
| Bundling Coverage Discounts | Liberty Mutual | Kemper |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | Kemper |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Liberty Mutual | Kemper |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | Kemper |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | Kemper |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | Kemper |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 160 | 14 |
| 2015 | 267 | 19 |
| 2014 | 235 | 13 |
| 2013 | 187 | 14 |
| Liberty Mutual Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Above average | |
| Local Agent | Among the best | |
| Call Center Representative | Above average | |
| Insurer Website | Average |
| Liberty Mutual Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Average | |
| Service Interaction | Average | |
| Appraisal | Average | |
| Repair Process | Average | |
| Rental Car Experience | Average | |
| Settlement | Average |
| Liberty Mutual Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | A2 | -- |
| S&P's | A | A- |
|
Liberty Mutual
Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance. The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:
You can also use it to record details of your incident and get your claim process started. The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free. The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
Kemper
Kemper Photo/Express Inspection lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages with the app, you’ll get faster claims service. Download the Kemper Photo/Express Inspection app for Android. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage Roadside Services covered
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
Kemper
Kemper Direct Roadside Assistance and TowingKemper Direct includes services like flat tire change or dead battery replacement. Direct Roadside Assistance works to service your broken down car. You can get it through your existing auto insurance policy. Towing services are reimbursed by filing a claim for towing costs. Services Covered
Contact Phone NumberCall 877.268.7416 for Roadside Assistance or Towing. Please have your membership card handy. |