Comparing quotes is the best way to get your lowest rates from top insurers like Nationwide and Kemper. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Kemper and Nationwide are two well-known companies in the world of insurance. Kemper was founded in 1990, and Nationwide was founded in 1925. Nationwide was ranked #2 in top auto insurers for 2016, has an excellent vanishing deductible program, low rates, and great customer service. Meanwhile, Kemper also provides affordable premiums for drivers with imperfect records, and has a good umbrella policy option. However, Nationwide’s online and mobile tools are subpar, and Kemper’s claims process is known to be slow and lengthy. Still, both companies have good financial strength ratings. 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 |
Nationwide
|
Kemper
|
| Worst If |
Nationwide
|
Kemper
|
Nationwide
Paperless DocumentsNationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about the Paperless Documents discount. |
Kemper |
| Bundling Coverage Discounts | Nationwide | Kemper |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Nationwide | 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 | Nationwide | Kemper |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Nationwide | Kemper |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Nationwide | Kemper |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Nationwide | Kemper |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Nationwide Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 53 | 14 |
| 2015 | 112 | 19 |
| 2014 | 90 | 13 |
| 2013 | 134 | 14 |
| Nationwide Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | Average | |
| Insurer Website | Average |
| Nationwide Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | |
| First Notice of Loss | Above average | |
| Service Interaction | Above average | |
| Appraisal | Above average | |
| Repair Process | Above average | |
| Rental Car Experience | Average | |
| Settlement | Average |
| Nationwide Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A+ | A- |
| Moody's | A1 | -- |
| S&P's | A+ | A- |
Nationwide
Nationwide Mobile AppThis app allows you to:
Download the Nationwide Mobile App app. Nationwide Mobile Banking AppThis app can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. Click here for more information and to download the Mobile Banking App. |
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. |
Nationwide
Nationwide Roadside AssistanceNationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in. Nationwide Roadside Assistance BasicServices covered:
Nationwide Roadside Assistance PlusCovers all the services of the basic plan plus:
Contact Phone NumberCall 1 (800) 421-3535. Visit Nationwide's roadside service website here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered. |
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. |