Having car trouble is never convenient, and can quickly turn into an expensive headache. That’s why having roadside assistance through your auto insurance provider is so valuable. If your car breaks down, gets stuck, has a flat tire, or you lock your keys inside, roadside assistance can get you back on the road quickly.
In this comprehensive guide we’ll explain everything you need to know about roadside assistance from Kemper auto insurance. You’ll learn how it works, what’s covered how to request service, eligibility requirements, and more.
What is Kemper Auto Insurance?
Kemper is an insurance provider offering various policies for personal auto commercial vehicles, specialty vehicles, homeowners renters, life, health, and more. They have over 6 million policyholders nationwide.
Kemper auto insurance provides standard coverages like liability, collision comprehensive medical payments, and uninsured/underinsured motorist. You can also add options like rental reimbursement, roadside assistance, ridesharing coverage, and accident forgiveness.
Kemper offers policies through independent agents as well as directly to consumers online and over the phone. They have an A- rating from A.M. Best, indicating excellent financial strength and ability to pay claims.
Overview of Kemper Roadside Assistance
Roadside assistance is an optional add-on that can be included with Kemper auto insurance policies. For an extra premium, you’ll have access to nationwide roadside help 24/7.
Some key things to know:
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Availability: Included with most Kemper auto plans or available for purchase separately.
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Coverage: Towing, jump starts, fuel delivery, lockout service, flat tire change, winching.
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Limits: Up to $100 per occurrence for most services.
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Cost: Around $10 per vehicle for 6 months of coverage.
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Providers: Kemper partners with Auto Knight Motor Club and Road America for roadside assistance dispatch.
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Eligibility: Available for private passenger vehicles under 10,000 lbs gross vehicle weight.
What’s Covered by Kemper Roadside Assistance
Kemper’s roadside assistance covers a wide range of common roadside mishaps at no out-of-pocket cost up to your limit per service call. Covered services include:
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Towing: Up to 15 miles of towing to the nearest qualified repair shop or other requested destination. Additional mileage fees may apply.
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Jump starts: A dead battery jump start at the breakdown location.
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Lockout service: Assistance gaining entry if keys are locked inside the vehicle.
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Flat tire change: Help changing a flat tire with your inflated spare. The spare tire must be accessible.
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Fuel delivery: Delivery of 2 gallons of gasoline, diesel, or fluid needed to get your vehicle moving. You pay for the fuel.
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Winching: Pulling your stuck vehicle back onto the road (excludes off-road recovery).
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Battery boosting: Mobile battery boosting at the breakdown site if the battery is dead.
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Mechanical first aid: Minor emergency repairs like battery terminal cleaning or hose replacements. You pay for parts.
Note that exclusions apply, like repeated service calls from negligence, off-road driving, impound/storage fees, and extended repairs.
How to Request Kemper Roadside Assistance
If you break down in a covered situation, here’s how to request roadside help through your Kemper insurance policy:
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Call the roadside assistance number on your insurance card. Provide your name, policy number, phone number, and exact vehicle location.
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Specify the problem with your vehicle and type of help you need (towing, tire change, etc).
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The dispatcher will make arrangements with a service provider in your area and keep you updated on the ETA.
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When the provider arrives, present your insurance card again for verification. Pay any out-of-pocket fees you incur.
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Confirm the covered roadside services are completed to your satisfaction before the provider leaves.
Roadside assistance is available 24/7, so you can call for help any time of the day or night. Be prepared to wait at least 30-60 minutes for a truck to reach your location. Calling from a safe area like a parking lot is best.
Eligibility Requirements for Kemper Roadside Assistance
To take advantage of roadside assistance under a Kemper auto insurance policy, there are a few requirements:
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Your policy must include the roadside assistance add-on.
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The vehicle must be a private passenger car, pickup, van, or SUV under 10,000 lbs gross vehicle weight.
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Hybrid and electric vehicles are eligible.
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The breakdown must have occurred in the United States, Canada, Puerto Rico, or U.S. Virgin Islands.
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Service limits apply, such as mileage radius for towing.
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You must be with the vehicle when the provider arrives.
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Excluded situations are not covered, like routine maintenance.
As long as you meet the eligibility criteria, you can use your Kemper roadside assistance as often as needed throughout your policy term. It’s a valuable protection against sudden breakdowns or accidents when traveling.
Comparing Kemper Roadside Assistance to Competitors
Most major insurance companies include roadside assistance with auto policies, but coverage details vary. Here’s how Kemper compares to key competitors:
| Company | Basic Towing Limit | Winching? | Out of Gas Delivery? | Mobile Battery Service? |
|---|---|---|---|---|
| Kemper | 15 miles per occurrence | Yes | 2 gallons | Yes |
| GEICO | 15 miles per occurrence | No | No | No |
| Allstate | 10 miles per occurrence | Yes, with deluxe plan | No | No |
| State Farm | Contact agent | Yes, with premium plan | No | Yes, with premium plan |
Kemper stands out for providing up to 15 miles of towing per service call, winching, fuel delivery, and mobile battery boosting. Their coverage is extensive compared to certain competitors.
Is Kemper Roadside Assistance Worth It?
At around $10 for 6 months of coverage, Kemper’s roadside assistance add-on provides excellent value. When you consider an average tow alone costs $50-$100 without insurance, it’s easy to get your money’s worth. Just one or two tows per year would likely offset the premium cost.
You also get peace of mind knowing reliable roadside help is available when you need it most. For less than the price of one tank of gas every 6 months, Kemper roadside assistance can save you from serious hassle and expenses in the event your vehicle breaks down.
The Bottom Line on Kemper Roadside Assistance
Getting stranded by a dead battery, flat tire, or other roadside emergency can ruin your day. But with roadside assistance from Kemper, help is just a quick phone call away.
For an affordable premium, you get access to essential services like towing, fuel delivery, and mobile battery boosting. Simply call the 24/7 hotline, provide your policy details, and a professional will be dispatched to get you back on the road.
Roadside assistance through Kemper auto insurance provides convenient, affordable protection worth considering. Check with your Kemper agent or the website to add it to your policy today.
Kemper Roadside Assistance Covers:
- Towing 10 miles
- Flat tire changes
- Jump starts
- Fuel delivery
- Lockout services
Even though Kemper roadside assistance covers towing and other services, it doesn’t pay for repair parts, new keys, or major repairs like engine failure or damage to the structure.
Read our review of Kemper and our list of the best roadside assistance companies to find out more. This answer was first published on 01/26/24. For the most up-to-date information on a financial product, you should always check with the bank that is offering it to make sure it is correct. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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No, Kemper does not have a referral program. Kemper doesn’t have a program where policyholders can get a bonus or discount for bringing friends or family to the company. However, Kemper does offer a number of other discounts that can help customers save money on their car insurance.
For more information about how you can save money with Kemper, check out WalletHubs Kemper review.
You might be able to get tow service through your liability-only car insurance, but not if you have full coverage. Many full coverage auto insurance plans will pay for tows that happen because of an accident, but not if the car breaks down or has a mechanical problem.
Some full coverage policies only cover towing if you pay extra for roadside assistance, though. Roadside assistance is usually an easy and affordable add-on. You can add it.
Yes, AAA offers roadside assistance starting at $64. 99 per year. You can get up to 4 rescues a year from AAA roadside assistance, which covers things like jump-starting, fuel delivery, lock-out assistance, and tire changes. To get help right away, AAA members can call 800-AAA-HELP (800-222-4357), go online, or use the AAA mobile app to request service.
AAA offers a AAA Classic, AAA Plus, and AAA Premier plan. AAA Classic is the cheapest and offers the least amount of coverage,.
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FAQ
What is the grace period for Kemper insurance?
Is Kemper insurance leaving California?
Who owns Kemper Auto Insurance?
Does Kemper offer roadside assistance?
Kemper is here to help you when you need us the most. If you purchased Roadside Assistance coverage on your policy, your roadside service is available 24/7. Simply call the appropriate number below and help will be on the way. Please have your policy number handy. © 2024, Kemper Corporation. All rights reserved.
How do I get a Kemper car insurance quote?
When you request a quote, ask an insurance agent about every discount program available to you. You can use that information to compare car insurance quotes and discounts with other providers before making a decision. You can make a Kemper auto insurance payment online on its website, through its mobile app, or by calling an agent at 800-782-1020.
How do I cancel my Kemper auto insurance policy?
Coverage includes dead battery replacement or a jumpstart, tire changes, locksmith services, fill ups on gas and towing services when your car breaks down. If you would like to cancel your Kemper auto insurance policy you can either call 1-800-216-6347 or speak to an agent at a local office.
Does Kemper auto insurance cover multiple vehicles?
Multi-car : You’ll save money on your policies if you insure multiple vehicles with Kemper Auto Insurance. Paid-in-full discount : You can save money on your premium by paying for the entire term up front. Defensive driving course discount: In some states, taking an approved safe driver course makes you eligible for lower rates.