If a tornado carries your car away, Kemper car insurance comprehensive coverage can help pay to replace it...or get it back
If you are looking for quality auto insurance comprehensive coverage, Kemper insurance may fit your needs. Kemper car insurance comprehensive coverage takes care of any damage to your vehicle that occurs due to non-collision events and depending on what part of the country you live in, it can almost be a necessity.
What it covers
Kemper car insurance comprehensive coverage can provide financial support to repair damage to your car
under a wide range of situations. For example, car fires are covered. Flooded cars are covered. Kemper also offers car theft coverage, and Kemper offers car theft reimbursement under its comprehensive coverage option.
If you have broken windshields, Kemper can help you get new windshields placed on one or more of your vehicles.
Click here for free quotes on car insurance policies that include comprehensive coverage
Most individuals who get Kemper car insurance comprehensive coverage understand that it is important to keep your vehicle protected against any damages that it might incur due to inclement weather, animal collisions, flying debris, or any unforeseen circumstances. It is also important to have an insurance policy in place that will ease the financial burden of having a vehicle vandalized or stolen.
If you live in certain parts of the country, flying debris due to wind storms and hurricanes can occur frequently. Flying objects have the ability to cause extensive body damage and can easily shatter windshields. Not only will Kemper car insurance comprehensive coverage fix any car body damage that occurs due to flying debris, but with a rental car coverage option added to your comprehensive policy, you can also get a rental vehicle through Kemper while your car is in the shop.
Rates & discounts
Since Kemper car insurance comprehensive coverage is an add-on, it will increase your premium costs should you elect to take it. To help defray some of the costs of adding options, Kemper has a number of discounts on premium that customers can apply for.
Kemper offers multi-policy discounts so if you get renter's insurance or homeowners insurance through Kemper in addition to your car insurance, you can expect to receive a discount of up to 10 percent on all your premiums
Kemper offers multi-car discounts as well. If you need comprehensive coverage and other types of coverage on more than one vehicle, let your Kemper insurance agent know. Even if the title of the vehicle is not in your name, if the person who owns the vehicle lives in the same household as you, you may be eligible for this discount.
Good drivers are also awarded discounts through Kemper, so make sure that you keep your driving record clean.
Do you need this coverage?
There are no states that will require you to carry comprehensive car insurance as a licensed driver, but 
there are situations where it may be required of you. If you are financing the purchase of your car with an auto loan, or if you are leasing your car, you may be called on to carry comprehensive coverage. The terms and conditions of many car loans and leases require drivers to carry collision and comprehensive as a way of protecting the collateral the lender/lessee has in the car until you own it or complete the terms of the lease.
If you drive your car for work purposes, you may be required to carry comprehensive coverage. It also makes sense that if you live in an area where severe weather is common or where there is a high rate of car theft, you will want to add comprehensive coverage.
One of the best ways to determine if you need this coverage is to talk with a local, licensed car insurance agent who can answer all of your questions and even show you some competitive proposals geared to fit your driving style and your budget. Reply! can help by connecting you to car insurance agents in your area who can help you determine if Kemper car insurance comprehensive coverage is right for you.