Comparing quotes is the best way to get the lowest rates from top insurers like The Hartford and Kemper. QuoteWizard is an independent company that helps you find the right policy at the best rate.
The Hartford and Kemper are two well-known companies in the world of auto insurance. The Hartford is well liked because it’s partnered with the AARP. Kemper is well liked because it offers practical rates to high-risk drivers.
However, Kemper prolongs the claims process. And The Hartford lacks learning resources on their website. Nonetheless, both companies have excellent financial strength.
So which insurer offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
The Hartford
|
Kemper
|
| Worst If |
The Hartford
|
Kemper
|
|
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
Kemper |
| Bundling Coverage Discounts | The Hartford | Kemper |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | The Hartford | 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 | The Hartford | Kemper |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | The Hartford | Kemper |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | The Hartford | Kemper |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | The Hartford | Kemper |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| The Hartford Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 30 | 14 |
| 2015 | 72 | 19 |
| 2014 | 69 | 13 |
| 2013 | 67 | 14 |
| The Hartford Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Among the best | |
| Local Agent | Average | |
| Call Center Representative | Average | |
| Insurer Website | Among the best |
| The Hartford Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | |
| First Notice of Loss | Above average | |
| Service Interaction | Below average | |
| Appraisal | Average | |
| Repair Process | Among the best | |
| Rental Car Experience | Average | |
| Settlement | Above average |
| The Hartford Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | A2 | -- |
| S&P's | A | A- |
|
The Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
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. |
The Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |
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. |