Are Kemper insurance rates competitive?

The phone number for Kemper roadside assistance is 877-268-7416, and representatives are available 24/7. Kemper's roadside assistance provides customers across the U.S. with coverage for towing, battery jump-starts, and more.

What Kemper Roadside Assistance Offers

• Free towing for 10 miles per tow
• Jump starts
• Lockout services
• Fuel delivery
• Tire changes
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• Winching/extraction

To learn more about your options for roadside assistance, check out WalletHub’s guide on the best roadside assistance companies.

The cost of car insurance typically goes down the most between the ages of 18 and 19, when rates drop by about 25% on average. Car insurance premiums generally continue to go down each year until age 25, when rates begin to level off for the next few decades. When drivers turn 25 years old, they can expect a discount of about 14%.... read full answer

When Car Insurance Rates Go Down the Most

Note: The table above shows average annual rates for minimum coverage across all 50 states.

Around middle age, rates may begin to creep back up. This is because middle-aged drivers tend to insure newer, nicer cars and begin to add their children to the policy, increasing the average rate for this age range overall. Individual rates also start to go up again between the ages of 65 and 75 because senior drivers have a higher risk of accidents than middle-aged drivers.

Why Age Affects Car Insurance

Age affects car insurance rates because it’s an indicator of a driver’s risk to an insurance company. Young drivers are statistically more likely to get into a car accident than older, more experienced drivers. As a result, they’re considered high-risk and are more expensive to insure.

The risk for the insurer and the cost for the insured then generally decline as drivers age and gain experience. Once drivers pass the age of 65, however, their risk starts to go up again. Not only are senior drivers more likely to get into an accident than middle-aged drivers, but they’re also more likely to be injured as a result.

States Where Age Does Not Affect Rates

Although most people in the U.S. will find their prices change according to this timeline, there are a few states in which insurers can’t use age to determine your rate. In California, Hawaii, and Massachusetts, age won’t have a direct effect on how much you pay for car insurance. Other factors will still have an impact, though. Your driving record, credit score, and marital status can all affect your final premium.

Yes, Kemper will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), Kemper will file an SR-22 or FR-44 form with the driver’s state after a DUI conviction, if necessary.

Kemper insurance after a DUI conviction will cost approximately 79% more than a Kemper policy costs for drivers with a ... read full answerclean driving record. After the DUI conviction stops showing up on your driving record, usually within 3 to 5 years, Kemper will decrease your rates.

What to Do If Kemper Denies You Coverage

Even though Kemper insures drivers with a DUI, you may get turned down if you have more than one DUI or a DUI plus other significant risk factors. In this case, your state government will help. Each state has a program that allows drivers who cannot find car insurance coverage elsewhere to get a policy. These insurance programs are typically more expensive and only offer the state’s minimum required coverage, so you should shop around before resorting to getting your insurance through the state.