If you live in Kansas and are looking for a good car insurance policy, you’ll want to check out the rates available. The rates vary depending on your age, credit history, and how much coverage you choose.
For a comprehensive, full coverage car insurance policy, you can expect to pay about $1,395 a year. This may be more than you’d like to spend, but it will cover the costs of damage caused by vandalism, theft, and weather incidents. You may also want to look into additional coverage options such as uninsured motorist coverage.
Kansas requires its drivers to have auto insurance. The minimum liability insurance policy in the state is $25,000 per person and $50,000 per accident. However, this isn’t enough for serious accidents. In addition to the minimum requirements, drivers should consider purchasing higher liability limits. Depending on the model of your car and the value of your vehicle, you may need to get extra coverage.
A poor driving record will result in a much higher Kansas car insurance premium. Drivers with a bad record typically pay up to $1,419 more than those with a stellar record.
There are also other factors that influence the cost of your premiums. These include your location, driving record, and how much you drive.
Another important factor is your credit score. People with a high credit score are seen as a low risk and are therefore charged less. Unfortunately, many people have very low credit scores and end up paying much more for their car insurance.
You can also use a car insurance calculator to estimate the costs of your policy. One option is to use MoneyGeek’s calculator, which can provide an approximate quote in 10 to 15 minutes. It is very simple to use and can give you an idea of what your auto insurance premiums would be.
A good Kansas car insurance calculator can help you determine the most affordable premiums for your situation. Use it to compare quotes from several carriers and find out what the best rate is. Some of the carriers that were surveyed for the evaluation were Auto-Owners Insurance, Progressive, and State Farm.
In addition to these top companies, there are other options that are worth considering. USAA is one of the companies that offers the cheapest rates for military members and their families. They are also known for providing excellent customer service. Also, drivers with DUIs will be able to secure coverage through their state’s Automobile Insurance Plan.
Finally, you should make sure to take advantage of the discounts that are available. In Kansas, drivers can save up to 5% a year on their premiums if they are married. You can also save money by shopping around.
Whether you’re buying new car insurance or are looking for a renewal, comparing prices from multiple carriers can be a great way to save money. Make sure to compare financial strength ratings as well. Often, insurers will have electronic ID cards and mobile apps that can be accessed from your phone.