Does Kemper offer any discounts or incentives for safe driving?

Kemper does not offer much in the way of discounts or incentives for safe driving. Policyholders are not offered a Kemper discount for safe driving except when passing a defensive driving course or an accident prevention course (if over 55 years old).

According to our Kemper Specialty Insurance review, safe driving qualifies policyholders to have their deductible reduced, but only if the policyholder upgrades to the Kemper Prime Auto Enhanced program. It makes no sense to pay more to get a discount.

Kemper Insurance Deductibles for Safe Drivers

Deductible reduction is an incentive auto insurance companies use to reward safe driving. Each year without an accident, traffic violation, or claim gives you the benefit of reducing the deductible you might have to pay if you get into an auto accident.

Deductible reduction is an excellent incentive for auto insurance companies to offer their safest drivers. It gives their best customers more peace of mind when they know that they will pay a lower deductible if they get into an accident after having such a long record of safe driving.

Unfortunately, to benefit from the deductible reduction for safe driving with Kemper, you must pay higher rates and upgrade your auto insurance coverage to the Kemper Prime Auto Enhanced program. Kemper is not competitive with other major insurance companies regarding the best car insurance discounts.

Kemper Incentives for Safe Driving

Kemper offers incentives for safe driving if a policyholder upgrades from standard auto insurance to the Prime Auto Enhanced program. Under this program, your deductible reduces over time by having a safe driving record.

How the Kemper Prime Auto Enhanced Program Works

Your deductible goes down yearly for safe driving without a traffic violation, accident, or claim.

Reducing your deductible is very helpful because otherwise, you must decide between having a high deductible and paying lower insurance rates or having a low deductible and paying higher insurance rates. Learn more in our expert guide to car insurance deductibles.

After being successful in this program for a few years, you will benefit from forgiveness if you get into an accident or get a minor traffic violation because your insurance rates will not change.

Kemper’s Defensive Driver and Accident Prevention Discount

You can get a Kemper auto insurance discount by completing an accredited defensive-driving course. There is also a mature driver discount for those 55 or older who pass an approved course in accident prevention.

Discounts offered for taking these courses and passing them are pretty routine with most car insurance companies.

Every driver of all ages benefits from learning how to become a safer driver, and defensive driving and accident prevention are the top concerns for those wanting to avoid getting into a car accident.

The Final Word on Safe Driving Discounts from Kemper

Kemper has other discount programs, such as multi-car discounts and discounts for active military and good students. You may get a multi-policy discount when you know how to save money by bundling insurance policies when getting your home and auto insurance from Kemper.