Will my insurance rates increase if I file a car insurance claim with Kemper?

As a responsible driver, you have purchased car insurance to protect yourself and others on the road. However, accidents can happen even to the most cautious of drivers.

Kemper is one of the best car insurance companies in the United States, yet an understandable concern may be, “Will my insurance rates increase if I file a car insurance claim with Kemper?”

Many factors can impact your car insurance rates, including your driving history, location, and type of vehicle. Filing an insurance claim is one more factor that could affect how much you pay for coverage going forward.

This article explores the Kemper claim process, whether filing a claim with Kemper will likely lead to higher premiums, and what steps you can take to manage your costs.

The Possibility of an Insurance Rate Increase if You File a Car Insurance Claim With Kemper

After an accident, start with an assessment of the severity of the incident or loss. If the damage is minor and the cost of repairs is close to your deductible or slightly above it, it may be more cost-effective to pay for the repairs out of pocket instead of filing a claim. (For more information, read our “Will Car Insurance rates increase after an accident?“).

Also, if you are a no-fault driver, your rates are unlikely to increase.

It’s also important to familiarize yourself with your policy’s deductible amount, coverage limits, and any exclusions that may apply. This knowledge will help you make informed decisions.

Insurance companies, including Kemper, often consider your claims history when determining premium rates. Even though Kemper is one of the best car insurance companies for paying claims,  if you have a history of frequent claims, it may increase the likelihood of a premium increase.

As such, be sure that you weigh the potential impact on your premiums against the benefits of filing a claim before proceeding.

How to File a Car Insurance Claim With Kemper

The first step in how to file a car insurance claim with Kemper is to gather all the relevant information about the incident or loss. This may include the incident’s date, time, and location, a description of what happened, and any other pertinent details.

Next, provide the necessary information: When you contact Kemper, be prepared to provide many details, such as your policy number, contact information, and a description of the incident.

Kemper will provide specific instructions on what to do next. Kemper has an easy online claims form to record information and supporting documentation.

Read more:

• Can I track the progress of my car insurance claim with Kemper?
• How does Kemper handle claims involving hit-and-run accidents?
• How long does It take for Kemper to process a car insurance claim?

Ways to Lower Your Rates if You File a Car Insurance Claim with Kemper

If you’re looking to lower your rates after filing a claim with Kemper, take note of the following steps.

• Evaluate your current premium: Assess your current premium and consider if it is already higher than you would like. If your premium is already at the higher end, paying for small losses out of pocket may be more beneficial to avoid further increases.
• Explore policy options: If you are concerned about potential premium increases, you can inquire about policy options for accident forgiveness or claims forgiveness. This is also an excellent time to reevaluate how much car insurance you need to ensure you have the best coverage.
• Maintain a good driving record: Safe driving habits and a clean claims history can contribute to maintaining lower premiums due to qualifying for the best car insurance discounts. Avoiding accidents, traffic violations, and insurance claims in the long term can help keep your insurance rates more stable.

Applying these steps could help you to lower your rates if they’re been impacted by a recent car insurance claim.

Last Thoughts: Insurance Rate Increases if You File a Car Insurance Claim With Kemper

Filing a car insurance claim with Kemper can potentially increase your insurance rates, depending on the circumstances surrounding the claim.

However, it is always best to speak with a Kemper representative and understand your policy before filing a claim. By being informed and proactive, you can make the best decisions for your insurance needs.