Is Kemper Auto Insurance a Good Option?
I just purchased a 2024 Honda Civic and I recently turned 22. I’ve been shopping around for auto insurance, but most companies are quoting me between $400-$500 per month, with initial payments ranging from $1,000 to $1,200. Even under my parents’ plan, I’m looking at $430 a month. I realize that my lack of driving experience (under three years) and the fact that it’s a new car are contributing to these high rates.
I received a call from Freeway, which connected me to a broker who introduced me to Kemper/Infinity. They’re offering me a monthly rate of $293, which is a significant drop, but I don’t have any prior experience or knowledge about this company. I’m worried that I might be making a mistake by going with them. Any insights or advice would be greatly appreciated!
It’s great that you’re exploring your options for auto insurance, especially as a new driver. Kemper and Infinity can be more affordable alternatives compared to some of the bigger names, but it’s important to consider a few factors when assessing if it’s worth it.
Coverage Options: Make sure to review what coverage you’re getting for that monthly premium. Sometimes lower rates come with higher deductibles or less coverage. Check if they include liability, collision, comprehensive, and any additional roadside assistance.
Customer Satisfaction: Look up reviews for Kemper and Infinity. Customer service can vary widely by company, and it’s essential to know if they handle claims efficiently. Websites like J.D. Power, Consumer Reports, or the Better Business Bureau can provide insights into customer satisfaction.
Financial Stability: Research the financial strength of the insurance company. Companies like A.M. Best or Moody’s provide ratings that can indicate how solid a company is in terms of handling claims.
State Regulations: Depending on where you live, some companies might be more reliable than others due to state regulations or market competition.
Compare Quotes: It’s always a good idea to get multiple quotes. If you’re seeing a significant difference in price, it’s worth investigating why. You might also consider talking to an insurance agent about your specific situation.
In summary, while Kemper/Infinity is offering a lower rate, ensure you’re getting adequate coverage and that the company has a solid reputation. Trust your instincts and do your due diligence—it’s an important decision!