Quick Facts about Car Insurance in Kansas
- Car insurance in Kansas requires 4 different types of coverage.
- Car insurance rates in Kansas are determined by how safe of a driver you are.
- There are over 10 ways to receive discounts and get cheap car insurance in Kansas.
What is Auto Insurance?
Car insurance in Kansas is directed to help drivers who have been in an auto accident and need to pay for damages to their property, another driver’s property, or personal damages to a victim. If you live in Kansas and would like more information about auto insurance regulations, please visit the Kansas government website http://www.kansas.gov/services/insurance/
If you are in a car accident and you HAVE car insurance, the state of Kansas requires your car insurance company to provide coverage as outlined below (from the Kansas Insurance Commissioner http://www.ksinsurance.org/consumers/autoinfo.htm:
$25,000 = bodily injury (one person in one accident)
$50,000 = bodily injury of two or more persons in one accident (this is maximum coverage and if the money runs out, you must pay the remainder.)
$10,000 = property damage for one accident
This means that car insurance companies in Kansas must cover 25/50/10 of a person’s claim.
If you are in a car accident and DO NOT HAVE ca insurance, you will likely face fines or charges, and you will have to pay for the damages from your own pocket.
In Kansas, drivers are required by law to have FOUR types of insurance:
1. Bodily injury liability (coverage for medical expenses, rehab, and more if you or your family are negligent in causing injury to another person in a motor vehicle.)
2. Property damage liability (coverage for when you or another person on your policy is negligent in causing damage to another person’ property following a car accident. This is includes any legal expenses brought against you.)
3. Personal injury protection (PIP)/Kansas no-fault (regardless of who it at fault, this provides you and your passengers with coverage for medical expenses, rehab, funeral expenses, lost wages and more.
4. Uninsured/underinsured motorist protection (coverage for injuries associated with an un- or underinsured motorist. Also applies to settlement of lawsuits.)
DID YOU KNOW?? There are over 5,954 car thefts in Kansas every year!
Where to Find Car Insurance In Kansas
If you need car insurance in Kansas, a good place to start looking is the Kansas Insurance Company search page (http://www.ksinsurance.org/consumers/companysearch.htm). Here you can decide your search credentials to find a good car insurance provider. You can search by agent, agency, public adjuster, or by company.
A good car insurance company will give you the right price, best coverage and quality service.
DID YOU KNOW??? The Kansas Insurance Department received accreditation for watching their insurance companies’ financial practices!
Tips to Lower Your Insurance Rates in Kansas
Shop around online and find cheap car insurance quotes. You can ask your current insurance provider to match the quote, or consider switching to another car insurance provider.
Drive carefully! One of the best ways to keep your car insurance rates low is to keep a good driving record.
If you’re driving an old, used car, consider liability coverage. You car is more likely to get damaged or cause damage for which you are held responsible due to the state of your vehicle.
Ask About Discounts on Car Insurance!
Ask your current car insurance company about the following discounts, if the following applies to you:
- You have 2 or more cars on 1 policy
- You’ve taken a Motor Vehicle Accident Prevention Course or a Driver’s Ed course
- You have anti-lock brakes, airbags, or other safety equipment in the car
- You have an anti-theft device
- Your car has low mileage
- You are in a carpool
- You have a clean driving record or an accident-free record
- You carry more than one insurance policy with the same company
