What factors affect the cost of my insurance policy?

Several factors can impact the cost of your insurance policy with Kemper Direct. The most crucial factor is the type and level of coverage you choose. Policies with higher coverage limits generally cost more than basic ones. Your driving record also plays a significant role, as drivers with a history of accidents or traffic violations may be considered higher risk and face higher premiums. Additionally, factors such as the age and type of vehicle, your location, and the frequency and purpose of use can influence the cost. Certain discounts are available based on factors like a good driving record, vehicle safety features, multiple policies, or paying in full upfront. However, specific individual circumstances can vary, so it's best to contact Kemper Direct for a personalized quote.