Kemper Personal Insurance offers several discounts and saving opportunities to help keep your costs down, including: Kemper Personal Insurance Frequently Asked Questions Auto Loan/Lease - Sometimes called "gap" insurance, this can pay the difference between your vehicle’s actual cash value and the outstanding amount on your loan or lease.While most insurers only pay actual cash value, we can pay the amount necessary to repair the vehicle or buy a new one. Key or entry transmitter device replacement.Waiver of deductible when the insured car is damaged when parked.Diminishing deductible credit for safe driving.Waiver of first accident or minor violation**.Kemper Prime Auto Enhanced* – Combines many popular coverages at a great value:.You can customize your auto policy with the following options: Kemper Personal Insurance offers a wide range of customizable coverages, deductibles, and limits to meet the needs of discerning drivers. Customized Personal Auto Insurance Options
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