When it comes to selecting the right auto insurance, many drivers prioritize affordability, coverage options, and reliability. One name that has emerged as a trusted provider in this space is Infinity Insurance, now part of the Kemper Corporation. But what makes Infinity Insurance stand out, and why should drivers consider their offerings? This article dives deep into the features, benefits, and customer experience of Infinity Insurance under the Kemper brand, highlighting why it may be the right choice for your insurance needs.
A Brief History: The Transition from Infinity to Kemper
Infinity Insurance began as a standalone provider, focusing on offering affordable car insurance solutions, especially for high-risk drivers and individuals seeking flexible payment plans. Over the years, Infinity became known for its customer-first approach and dedication to providing coverage options to underserved markets, such as those with poor driving records or limited access to traditional insurers.
In 2018, Kemper Corporation, one of the nation’s leading insurance providers, acquired Infinity Insurance. The acquisition allowed Infinity to expand its reach and resources while maintaining its mission of serving diverse communities with cost-effective auto insurance options. Under the Kemper umbrella, Infinity has continued to thrive, bringing additional financial stability and expanded coverage options to its policyholders.
Infinity Insurance’s Commitment to High-Risk Drivers
One of Infinity Insurance’s standout features is its willingness to insure high-risk drivers. While many insurers shy away from providing coverage to individuals with poor driving records, lapses in coverage, or limited credit history, Infinity steps in to fill the gap.
Why Does Infinity Cater to High-Risk Drivers?
The auto insurance market can be particularly unforgiving to drivers who are deemed high-risk. These individuals often face significantly higher premiums or outright denial of coverage from traditional insurers. Infinity Insurance, however, has made it its mission to provide affordable options for drivers with:
- A history of traffic violations or accidents
- A lapse in previous insurance coverage
- Poor or no credit history
- Drivers with limited driving experience
While premiums may still be higher than for lower-risk drivers, Infinity Insurance offers more competitive rates than many other insurers in this market segment. Additionally, Infinity provides a range of flexible payment plans that make it easier for high-risk drivers to maintain coverage and avoid further penalties for being uninsured.
Coverage Options and Customization
One of the strengths of Infinity Insurance by Kemper is the variety of coverage options available. Whether you’re a high-risk driver looking for basic coverage or a cautious driver seeking comprehensive protection, Infinity has options to suit different needs and budgets.
1. Liability Coverage
Liability insurance is mandatory in most states, and Infinity offers robust coverage to help protect drivers from financial burdens in case they are found at fault in an accident. Liability coverage includes:
- Bodily injury liability: Covers the medical expenses of the other party involved in an accident where you’re at fault.
- Property damage liability: Covers the cost of repairs for damage caused to someone else’s property.
2. Collision and Comprehensive Coverage
For drivers who want extra protection for their vehicles, Infinity offers collision and comprehensive coverage options. Collision insurance helps pay for damages to your own vehicle in case of an accident, while comprehensive coverage protects against non-collision events like theft, fire, or weather-related damages.
3. Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages. This type of coverage is especially important given that many drivers on the road today may not carry adequate insurance.
4. Medical Payments (MedPay) Coverage
Infinity offers MedPay coverage to help cover medical expenses for you and your passengers in case of an accident, regardless of who is at fault. This can be especially beneficial in states where personal injury protection (PIP) is not required but where medical costs can quickly add up after an accident.
5. Optional Add-ons
Infinity Insurance also offers optional coverages like roadside assistance, rental car reimbursement, and towing coverage. These add-ons can provide peace of mind in the event of an unexpected breakdown or accident, ensuring you’re not left stranded.
Discounts and Savings Opportunities
Despite its focus on high-risk drivers, Infinity Insurance by Kemper offers a variety of discounts to help policyholders save on their premiums. Some of the most popular discounts include:
- Safe Driver Discount: Even high-risk drivers can benefit from maintaining a clean driving record. Infinity rewards policyholders who avoid accidents and traffic violations with lower rates.
- Multi-Vehicle Discount: If you insure more than one vehicle under the same policy, you can enjoy savings on your premium.
- Paid-in-Full Discount: By paying your policy upfront, you can receive a discount compared to making monthly payments.
- Anti-Theft Device Discount: Installing an anti-theft device in your vehicle can make you eligible for additional savings.
- Paperless and Auto-Pay Discounts: Setting up automatic payments or opting for paperless billing can also earn you small but consistent savings over time.
The Infinity Mobile App and Customer Service Experience
In today’s digital world, having access to your insurance details on the go is essential. Infinity Insurance offers a user-friendly mobile app that allows policyholders to manage their policies, make payments, file claims, and even request roadside assistance, all from their smartphones. This level of convenience sets Infinity apart from other insurers who may not have fully embraced digital platforms.
Infinity Insurance also boasts a strong customer service team that is available to assist with policy inquiries, claims, and payment issues. Kemper’s backing has only strengthened Infinity’s customer service capabilities, ensuring that drivers receive timely and professional assistance when they need it most.
Financial Stability and Claims Processing
As part of Kemper Corporation, Infinity Insurance benefits from a strong financial foundation, which is crucial for ensuring timely claims payments and long-term stability. Kemper’s robust financial position means that Infinity policyholders can trust that their claims will be processed efficiently and that the company will be there to meet its obligations in the event of a major loss.
Infinity also offers an easy claims process. Policyholders can file claims through the mobile app, online portal, or by contacting customer service. The app allows you to upload photos, track your claim’s progress, and communicate directly with claims representatives, making the process as seamless as possible.
Is Infinity Insurance Right for You?
If you’re a driver who has struggled to find affordable auto insurance due to a poor driving record, lack of credit history, or other risk factors, Infinity Insurance by Kemper could be an excellent solution. Its focus on providing comprehensive coverage options, flexible payment plans, and a range of discounts makes it a standout option for high-risk drivers. Even if you’re not considered high-risk, Infinity’s competitive pricing and customer-first approach could still make it an attractive choice for auto insurance.
Conclusion
Infinity Insurance, under the Kemper brand, provides a unique combination of affordability, flexibility, and reliability. With its wide range of coverage options, commitment to high-risk drivers, and user-friendly digital tools, Infinity offers value that is hard to beat in today’s crowded auto insurance market. Whether you’re a high-risk driver seeking affordable coverage or simply looking for a provider with a strong customer service reputation, Infinity Insurance could be the key to getting the protection you need at a price you can afford.