Kemper’s payment options are debit cards, credit cards, and checking or savings accounts. Kemper customers can also set up automatic payments using a debit card, a credit card from Discover, Visa, Mastercard, or American Express, or a bank account with Electronic Funds Transfer (EFT). Kemper customers have the option of paying premiums in one lump sum or in semi-annual, quarterly, and monthly payment options. Choosing to pay up front may even result in discounts in some states.
Ways To Pay Your Kemper Car Insurance Premium
Online using Kemper's payment portal
By calling 1-800-437-8394
By mailing a check to Kemper Direct / PO Box 660421 / Dallas, TX 75266-0421
Using the Kemper mobile app
Some of these payment options might not be available in all situations or all states, however. If you have further questions about paying your Kemper premium, you can call 1-800-437-8394.
Yes, Kemper does offer free towing for customers who have the company’s roadside assistance coverage. Kemper roadside assistance generally costs $10 per six-month policy and includes towing services to the nearest repair facility or up to $75. Kemper customers can request roadside assistance online, or they can call 877-268-7416.
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 122% 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.
Car insurance is tax-deductible for self-employed people who use their car for business reasons, as well as for select other occupations. For example, car insurance is tax deductible for armed forces reservists who travel for duty, some performing artists, employees with impairment-related work expenses, and certain government employees who are paid via fees-per-service.… read full answer
Business use means trips taken for work, but commuting to and from work is not deductible. For example, a photographer’s drive to her studio would not be deductible, but her drive from her studio to a client’s house during working hours would be. However, if the photographer had a studio in her house, then her drive from her home studio to a client’s house for work purposes would qualify as tax deductible.
How to Deduct Car Insurance on Taxes
Car insurance can be deducted by eligible taxpayers based on either mileage or actual cost. If you choose to deduct based on mileage, the official rate – $0.58 per mile in 2019 – incorporates all the expenses that go into driving, so insurance cannot be deducted separately. On the other hand, deducting based on actual expenses requires taxpayers to add up costs like insurance premiums, repairs, gas, tires, and registration fees.
Self-employed taxpayers can use Schedule C to deduct their vehicle expenses, whether using actual cost or mileage. Other eligible taxpayers can use Form 2106 for Employee Business Expenses.
Car Insurance Tax Deductibility Tips
If a car is used exclusively for business, the entire amount of its actual cost can be deducted.
If a car is driven for both business and personal reasons, the total cost can be prorated. For example, if the car is used for business half of the time, half of its actual cost can be deducted.
If a taxpayer is deducting based on mileage, they should keep careful track of their work-related miles and can deduct only that amount.
Regardless of which type of deduction you choose, it’s important to keep careful records of business vehicle use. In addition, it’s usually best to calculate your deduction using both the actual value and mileage methods, so you can choose the method that gives you the highest tax savings. If you’re still unsure whether you can deduct your car insurance, visit the IRS website or talk to a tax expert.
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