Kemper Auto Brochure 07.25

KEMPER PRIME AUTOAuto insurance that’s just right for you?Simply, yes.

Kemper Prime AutoWhether your car is big or small, you use it for pleasure or to commute, you’llfind that Kemper Prime AutoSM is right for you. It’s flexible, with protectionsthat range from basic to broad. So you can choose the best fit for your autoinsurance needs—today and down the road.

Protection,choiceand valueKemper Prime Autofeatures a variety ofstandard protections,including a range ofPhysical Damage andLiability limits, andComprehensive andCollision deductibles,as well as six-monthor 12-month policies.What’s more, we offermany important add-oncoverages. Our KemperPrime Auto Enhancedconveniently assemblesour most popularcoverages for agreat value.

Kemper Prime AutoEnhanced includes:• Waiver of First Accident or Minor Violation – waives your first accident or minor violation while you’re insured with us, so your premium does not increase as a result of that accident or minor violation• Diminishing Deductible Credit – provides credit to your deductible each year of safe driving so there is less for you to pay when you have a claim• Parked Automobile Deductible Waiver – waives the deductible completely if your car is damaged while legally parked and unoccupied• Personal Property – protects your property while it’s in your vehicle in the event of theft or other covered losses• Trip Interruption – reimburses you for expenses such as lodging and meals if you have an accident or breakdown more than 100 miles from home• Key and Transmitter Replacement – Replaces your key or transmitter entry device if lost or stolen

Kemper Prime AdvantageJack is proud of his clean driving record, so he was upset when his parked carwas hit while he was in the store.Frank worried that his recent fender-bender would affect his insurance rates.Different driving scenarios, but each benefits from Kemper’s solution aimedat easing the financial burden of the unexpected—Kemper Prime Auto Enhanced.

Customize your coveragesYou hope it never happens, but if you have a breakdown or covered accident, you wantto make sure you have these important standalone protectionsto get your life back to normal as fast as possible:• Personal Umbrella Liability – If you are found responsible for someone’s injury and faced with a large settlement, this coverage can protect your assets by paying above the limits of your underlying auto and home policy.• Roadside Assistance – This indispensable service provides 24/7 help if you break down, get locked out, run out of car fluids or your battery fails while you’re on the road and away from home.• Kemper Total™ – If you’ve just bought a new car, this is a must-have. It provides Replacement Cost Coverage if your car is damaged in a covered loss.• GAP (Auto Loan/Lease) – This covers the difference between what you owe on your car’s loan or lease and its Actual Cash Value.• Transportation Network Driver – This meets coverage needs for modern drivers who participate in a ridesharing service¹.

Package for simplicity and savingsConsider adding a Kemper Prime HomeSM policy to your Kemper Prime Auto policy for theultimate in convenience and savings. By packaging your insurance, if you have claim thatimpacts both your home and auto, you pay only one deductible². You also get a discount onyour premium for both your Kemper Prime Auto and Kemper Prime Home policies.More for the road, less out of pocketWith Kemper Prime Auto, you may qualify for these and other discounts to make yourinsurance even more affordable:• Advanced Quote – If you purchase a policy while you are still covered by another insurance carrier• Multi-policy – When you have additional coverages or policies with us, such as Personal Umbrella Liability• New Car – If you’ve bought a car that’s a newer year model• Homeownership – If you own a home and it’s not insured by KemperYou’ll also see savings if you have an anti-theft device, take a driver education course or if theyoung driver in your household is a good student.

Kemper Prime AdvantageOn May 1, Margie gave her son a car for his 18th birthday.On May 2, he ran a stop sign and hit another car. The driver was hurt and fileda lawsuit against her, demanding $1 million.Margie worried that her son’s college fund was now at risk. But then heragent reminded her she has Kemper’s Personal Umbrella Liability Coverage.

Flexible pay, do it your wayWith our multiple options, you can pay your premium in a way that best fits your lifestyle.You can:• Pay your premium all upfront and get a discount on your insurance, or pay in two installments, monthly or quarterly• Combine premiums for multiple Kemper Prime policies to get just one bill• You can also choose how you’ll pay—by check, or automatic electronic funds transfer (EFT) or credit card payments. Paying with EFT will give you a discount on your premium

Your insuranceonlineIf you register your policy onkemper.com, you can easily manageyour payments online. You can alsosign up for paperless policy forconvenient round-the-clock accessto all your documents from a safeand secure site.Smooth andhassle-freeclaim service When your life is disrupted and youneed to file a claim, we’re committedto making the process as smooth andfast as we can:• Call whenever you need us – You can report claims 24/7 by calling 888.252.2799. We can take your information in multiple languages.• Services available immediately – We can determine if a vehicle is a total loss and arrange to pick it up, and set up a rental car.• Speedy settlement with our mobile app – Our Kemper Inspection mobile app is available for most types of auto damage to speed the claim process.

Want to know more?To learn more about our many coverage options or for questions on our products,contact your Independent Agent.A history of strengthKemper’s roots as an insurance carrier go back more than a century. We’re one of theleading insurers in the U.S. and our standard/preferred underwriting companies sharean A- (Excellent) rating by A.M. Best Company, the premier industry rating authority.We sell our auto and home insurance products through a select group of IndependentAgents and brokers, as we believe they are best able to offer consumers valuable expertise,guidance and choice.kemper.com¹No passenger²Highest deductible applies©2017 Kemper Corporation. All Rights Reserved.This material is for general informational purposes only. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, currentpolicy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject toindividual policyholders meeting our underwriting qualifications and state availability.Kemper Prime underwriting companies include: Kemper Independence Insurance Company, Trinity Universal Insurance Company and Unitrin Safeguard Insurance Company.Trinity Universal Insurance Company also reinsures business underwritten by Home State County Mutual Insurance Company, an unaffiliated company and managed by KemperGeneral Agency, Inc. In California, the Kemper Prime underwriting company includes Trinity Universal Insurance Company and Unitrin Auto and Home Insurance Company.