Old Reliable Auto Insurance Review

This Old Reliable Auto Insurance Review looks at the St. Louis, Missouri-based Kemper Home Service Companies and other parts of the Kemper Corporation that distribute different types of auto insurance policies and services. Kemper Home Service Companies was formerly known as Old Reliable Casualty Company. In 2010, the Unitrin organization purchased the distinguished Kemper brand name from Lumbermans Mutual Casualty (in runoff). In August 2011, the Unitrin specialty insurance brands started to use the Kemper name.

Neither Old Reliable nor Kemper Home Service Companies write or distribute auto insurance. Agents of the company write life insurance offered by three companies: Reliable Life Insurance, Union National Life Insurance, and Mutual Savings Life Insurance.  Compare quotes for FREE on our website by entering your ZIP code today!!

Learn more about the new Kemper Corporation, and determine if the auto insurance company’s offerings match your needs for cheap auto insurance.

Old Reliable Auto Insurance Contact Information

Write the former Old Reliable Casualty Company, now Kemper Home Service Companies, at 12115 Lackland Road, St. Louis, MO 63146-4003. Call the company at 314-819-4300.

Write the former Unitrin, Inc. main headquarters at Kemper Corporation, 1 East Wacker Drive, Chicago, Illinois 60601-1802. Telephone the company’s corporate headquarters at 312-661-4600, or fax the company at 312-494-6995.

Old Reliable and Kemper Auto Insurance

Kemper, the former Unitrin, offers multiple property & casualty and life insurance lines to customers throughout the United States. Kemper and Unitrin Specialty distribute auto, homeowner, and fire insurance through a large network of independent insurance agencies and brokers. Unitrin Direct markets to consumers and via employer voluntary benefits programs. The Career Agency Companies, of which the former Old Reliable Casualty Company was part, sell life insurance in the south, west, and mid-west United States.

The new Kemper organization now offers auto insurance via three brands:

• Kemper Preferred, the company’s premier auto insurance brand, provides auto insurance to good drivers (preferred and standardrisk). In addition, Kemper Preferred offers homeowner, boat, personal umbrella, inland marine, and dwelling fire insurance. Kemper Preferred distributes insurance products and services through an approximate 2,600-member independent insurance agent and broker sales force. The company offers additional insurance premium discounts to customers purchasing multiple insurance coverage. Kemper Preferred sells auto insurance in 39 states.
• Unitrin Specialty, Kemper’s nonstandard auto insurance provider, distributes both personal and business insurance lines to nonstandard customers. The company employs about 770 people in three locations (Salem, Oregon; Dallas, Texas; and Woodland Hills, California). The company relies upon an approximate 8,000 independent sales agents to distribute products and services to customers in 21 states.
• Unitrin Direct Auto and Home Insurance, markets directly to consumers in 48 states and Washington, D.C. The company offers auto and homeowner insurance lines to customers across the risk spectrum, from preferred to nonstandard individuals and families. The company launched a new insurance sales format called “iMingle.” iMingle provides the technology and communications-reliable “i” generation with homeowners, renters, and auto insurance coverage.

Old Reliable and Kemper Auto Insurance History

Kemper Corporation, the former Unitrin, Inc. was founded in 1990 in the state of Illinois. The company employs about 7,100 people in all locations.

During the global economic downturn that began in 2008, Unitrin, Inc. exited some lines of business. By announcing the company’s rebranding as Kemper Corporation, a highly recognized and reputable financial services brand name, Unitrin simultaneously announced plans to divest nonperforming business lines.

The company sold its Fireside Bank unit, a former purchase of sub-prime auto loans from car dealers, and places its remaining operations in runoff. Runoff enables the business to close down gradually as no new business is written.

Kemper announced plans to shed commercial insurance lines. Several years prior to the accomplishment of the sale of Unitrin Business Insurance, Unitrin financial management attempted to cut the subsidiary’s costs of doing business and to strengthen reserves. Unitrin Business Insurance sold nonstandard commercial auto insurance coverage to higher risk businesses, such as small car dealerships.

Kemper also announced plans to sell its Reserve National unit. Although Physicians Mutual (life insurance company) was in talks to acquire the company, the deal unwound in 2010. The subsidiary sells individual health, Medicare supplemental, and personal accident insurance lines.

Prior to rolling out the new Kemper name, Unitrin purchased Primesco, Mutual Savings Life, and Mutual Savings Fire Insurance for $96 million. The company’s decision to return to its roots–sales of insurance products and services to consumers–relies strongly upon energizing the Career Agency Services unit. The former Old Reliable Casualty Company is a large part of the new Kemper Home Services unit.

Old Reliable and Kemper Auto Insurance Financial Information

Kemper Corporation is rated “A-” (Excellent) by insurance rating organization A.M. Best. The company’s 6 million plus policyholders rely upon more than $8 billion in assets. The company’s property & casualty business generated approximately 76% of premiums in 2010.

Old Reliable and Kemper Auto Insurance Conclusion

Individuals and families seeking auto insurance have a variety of options offered through the Kemper organization. Kemper Preferred helps preferred and standard risk drivers to combine homeowner and auto insurance coverage for additional discounts. Unitrin Specialty helps higher risk drivers to purchase auto insurance in some markets. Both companies pay agents to provide personalized attention to clients.

Unitrin Direct offers drivers the opportunity to purchase auto insurance through the company’s website. The company’s products and services target social media and technology users.

We give this auto insurance provider five stars for offering a wide spectrum of auto insurance products and outstanding customer service.