Kemper Auto Insurance Roadside Assistance: Coverage and How to Use It

Experiencing a breakdown or accident on the road can be stressful. Kemper auto insurance offers roadside assistance coverage to help you get back on the road quickly when the unexpected happens.

This comprehensive guide covers everything you need to know about Kemper’s roadside assistance program, including:

• What’s included in Kemper roadside assistance
• Cost of coverage
• How to sign up
• Using your roadside benefits
• Getting a tow with Kemper insurance
• Key phone numbers
• Coverage limitations
• Roadside assistance tips

Overview of Kemper Roadside Assistance

Kemper auto insurance policyholders can add optional roadside assistance coverage to their policies. This provides access to the Kemper roadside assistance program for help with:

• Towing
• Tire changes
• Jump starts
• Lockout service
• Fuel delivery
• Winching

Roadside service is available 24/7 by calling Kemper’s toll-free number. They’ll dispatch a local provider from a network of over 30,000 approved service trucks nationwide.

Adding roadside coverage to your Kemper car insurance policy provides peace of mind that you’ll have help available when you need it most.

Cost of Kemper Roadside Assistance

The cost for Kemper’s roadside assistance coverage is typically around $10 for every 6 months of your car insurance policy period.

So you’ll pay about $20 per year for the roadside protection. The small yearly fee is added to your regular auto insurance premium.

Considering the high cost of a single tow or roadside call without coverage, the minor annual charge makes the protection well worth it for most drivers.

Who is Eligible for Kemper Roadside Assistance?

To be eligible for Kemper’s roadside benefits, you must have an active Kemper auto insurance policy with comprehensive or collision coverage and purchase the optional roadside assistance add-on.

Roadside assistance can be added to most Kemper car insurance policies, including:

• Kemper Preferred
• Kemper Prime
• Kemper Specialty
• Kemper Direct
• Kemper Personal Insurance
• Infinity auto policies

Drivers insured through other companies are not eligible for Kemper’s roadside program.

What’s Included in Kemper Roadside Protection

Kemper provides comprehensive roadside benefits and services with your coverage. Here are the key things included:

Towing: Up to 10 miles of towing at no cost to the nearest repair shop or other safe location. Additional mileage fees may apply for longer tows.

Battery jump starts: A dead battery is one of the most common roadside issues. Kemper will jump start your car so you can be on your way.

Flat tire change: Assistance changing a flat tire with your spare or inflating a flat.

Fuel delivery: If you run out of gas, Kemper will deliver 2-5 gallons so you can get to the nearest station. However, you pay for the fuel.

Lockout service: Help gaining entry if you lock your keys in the vehicle.

Winching: For extracting your vehicle if it’s stuck in a ditch, mud, or snow.

Most roadside services are covered in full up to your policy limits. The exceptions are fuel delivery and any towing miles over the covered limit.

How to Use Your Kemper Roadside Benefits

Using your roadside benefits is quick and easy when you experience a breakdown or accident. Simply follow these steps:

1. Call the Kemper roadside assistance number on your membership card. Have your policy details handy.

2. Explain your situation to the agent so they can dispatch the proper services.

3. Provide your exact vehicle location. Be ready with cross streets, landmarks, mile markers, etc.

4. Stay with your vehicle until the roadside provider arrives. Don’t accept rides from strangers for safety.

5. Confirm service details with the technician upon arrival before any work begins.

The agent will monitor your call and stay on the line until a provider is dispatched. This ensures you get prompt, reliable assistance.

Getting a Tow With Kemper Insurance

One key roadside benefit is towing services covered through Kemper insurance. Here are important details about getting a tow with your coverage:

• Kemper provides towing to the nearest repair shop or safe location within 10 miles.

• Additional mileage fees may apply beyond 10 miles. Kemper can arrange longer tows for an added per-mile charge.

• For accidents, you can get towed to any collision repair shop, including ones not in Kemper’s network.

• Kemper won’t tow to a private residence unless a commercial shop isn’t available.

• Drivers can directly pay the tower for mileage over the 10-mile limit based on standard rates.

• Kemper agents can provide rate estimates for longer tow mileage during your roadside call.

Getting in an accident over 50 miles from home? Kemper roadside can still get your car towed to your preferred shop. You would just pay the extra mileage at a reasonable rate.

Kemper Roadside Assistance Contact Numbers

Having the right Kemper roadside number handy is essential for fast service. Here are the phone numbers to call:

• Kemper Direct: 866-611-3488

• Kemper Personal Insurance: 855-849-3858

• Kemper Auto: 877-268-7416

• Infinity auto insurance: 877-512-6964

Agents are standing by 24/7 to take your call. Be ready with your exact policy number which is required when requesting service.

Program your Kemper roadside number into your contacts right away so it’s available whenever you need to call.

Kemper Roadside Assistance Limitations

While Kemper’s roadside program provides extensive coverage, some limitations apply:

• Coverage limits: Towing, battery jumps, etc. have mileage or service limits. Additional fees apply over these limits.

• Driver must be present: Roadside service only provided when the driver is with the disabled vehicle.

• No reimbursements: Drivers cannot use outside providers and get reimbursed by Kemper.

• Commercial vehicles excluded: Roadside benefits only cover personal passenger vehicles.

• Motorcycles not included: You need separate motorcycle coverage for towing/roadside help.

• Car rental not provided: Roadside doesn’t include rental reimbursement if repairs are needed.

Despite some limitations, Kemper roadside services still provide valuable protection for drivers in need. Understanding the rules helps avoid surprises when requesting help.

Tips for Using Kemper Roadside Assistance

Follow these tips to ensure you receive prompt, effective roadside help when you need it:

• Keep your Kemper insurance card with roadside numbers handy in your car. Also save the numbers in your phone.

• Pull off the road to a safe spot before calling for assistance. Don’t stay in a dangerous location.

• When describing your location, provide specifics like nearby exits, mile markers, landmarks, and landmarks.

• If your car moves or must be towed before the technician arrives, call back to update your exact location.

• Ask the technician to explain any charges not covered before providing payment.

• For a tow, know where you want your car taken. Have an address ready for the shop.

• Request a receipt upon service completion showing any charges paid.

• Contact Kemper if you have any issues with service quality for complaint resolution.

Is Kemper Roadside Assistance Worth It?

Kemper’s roadside program provides robust coverage and benefits for a low annual cost in most states. The protection is valuable for:

• Avoiding potentially high towing bills, especially for longer distances.

• Getting help with common issues like dead batteries or flat tires.

• Having access to a fast, reliable nationwide roadside network.

• Getting back on the road quickly when breakdowns happen.

Considering the affordability and convenience, adding roadside coverage is worth it for most Kemper auto insurance customers and provides great peace of mind.

The Bottom Line

Kemper auto insurance offers optional roadside assistance coverage at a low yearly cost. The program provides towing, battery service, tire changes, fuel delivery, and lockout help 24/7.

Understanding exactly what’s included, when to use your benefits, and the limitations helps ensure you receive prompt roadside help anytime you need it. Kemper’s affordable protection is designed to get you back on the road quickly.