Kansas Auto Insurance
In Kansas, auto insurance is just as important to carry as it is in the rest of the country. There are specific differences that make each state’s insurance stand out from one another and Kansas auto insurance is no exception. When you are looking for your next auto insurance policy for your KS vehicles, following an easy step-by-step process like the one below is very helpful.
Know Your Kansas Auto Insurance Needs
Not every Kansas auto insurance policy is the same. Some are bare minimum coverage, while others are considered fully covered. Most are somewhere in between. Before you start shopping around for prices, consider what is it is you want and need in your KS car insurance policy.
The state minimum requirements for liability insurance are 25/50/10. This means:
- $25,000 bodily injury liability insurance coverage per person
- $50,000 bodily injury liability coverage in total per accident
- $10,000 property damage liability coverage per accident
The other required coverage in the state of Kansas include uninsured motorist coverage in the same limits as bodily injury liability and personal injury protection, also known as PIP. These are starting points for anyone looking for car insurance in the Sunflower State. Such guidelines are minimums and should be increased for your own protection and peace of mind. These state limits are not high enough to cover the costs of most serious accidents.
If you have a financed vehicle, you must also carry collision and comprehensive insurance coverage. These types of coverage will be required by the lender for his or her protection. Other types are optional and are bought at your discretion.
Get Kansas Auto Insurance Price Quotes
There are a variety of different ways to get car insurance quotes. You could pick up the phone and the phone book and randomly call company after company asking for a car insurance quote and repeating the same information time and again. You could jump in your car and ride around town, stopping at insurance company offices for quotes. (Hope you own a hybrid!)
The most efficient way however, that is also the best use of your valuable time, is to get your quotes online through a free online quote tool, like the one you see in the box at the top of this page. There are so many reasons that this a smart way to look for quotes:
- It’s free
- You can get quotes any time of day or night
- You give your information once and get multiple quotes
- You will usually receive quotes from companies you would not have even thought to contact
- It is easy to make a change to your limits and get the quotes adjusted
- It makes side-by-side comparison a breeze.
Compare Kansas Auto Insurance Company Offerings
Each company has something a little different that they offer. They try to make themselves stand out from the crowd by offering a “free” type of coverage, or extra discounts for certain things or other gimmicks.
Read over the policies carefully to be sure that each company is offering you the same thing or at least something comparable. If a price is very much out of line with the others and seems too good to be true, it probably is.
Choose A Kansas Auto Insurance Company You Can Trust
There are many Kansas auto insurance companies to choose from. Some of the best known ones include:
- AIG
- The Hartford
- Nationwide
- Travelers
- GEICO
- Liberty Mutual
- Progressive
- Allstate
Before committing to one, be sure to investigate it and be confident that it is a financially sound organization that treats its customers well, with respect and processes claims quickly.
Get Started On Your Kansas Auto Insurance Quote Shopping Now
When you are confident that you are ready to put our four-step process to work and have finished step 1, you will be ready to get your Kansas auto insurance quotes. It is simple and quick when you use a quote tool like the one at the top of the page. Simply put in your zip code and answer some questions about you, your car and the other drivers in your house. In no time you’ll be comparing quotes and be one your way to an awesome new policy. Get started now!