Unitrin Kemper rewards drivers who stay out of trouble. Each time I renew, my rate has been a little lower than the time before. a real blessing when you consider how gaqs just keeps going up! — Another reason I like Unitrin is that I get a discount for insuring at a higher level of coverage than minimum liability.  They include un/under-insured motorist at a great price, and you need that coverage too.  I have had nothing but great experience with Kemper, and they compare well to my previous experience with Geico,  Allstate, Farmer's, Progressive,… read full review »