Kansas Auto Insurance |
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 The laws of the Sunflower state mandate that all policies sold must meet the minimum limits required by KS. There are multiple types of coverage that must be purchased, therefore it would be wise for consumers to shop around and compare the rates insurers in order to obtain the right policy at the cheapest price.
Obtaining Cheap Kansas Car InsuranceRates from providers are based on multiple factors; some of which may be out of the consumer's control such as age and gender. Although these items may cause a difference in premiums, there is an approach that can be taken by motorists to make sure that they get the best deal possible.
One of the most important steps to savings is to shop around and compare. Each company can vary significantly in price with every applicant, therefore it is vital that consumers comparison shop in order to locate the most affordable prices. Even if currently insured, shopping around at time of renewal may be wise to ensure that their current provider is still the cheapest.
Motorists should always practice safe driving and maintain a good driving record. Even if one currently has a view "dings" on their record it will pay off down the road in the form of a good driver discount. Taking advantage of the various discounts available can also lower a rate substantially. Such discounts are offered to those who are a good student, have vehicles equipped with safety features and anti-theft devices, have taken a Motor Vehicle Accident Prevention Course, average low annual mileage among many others. Be sure to ask about any that may apply in order to obtain optimum savings when purchasing policies.
Kansas Auto Insurance LawsThe Kansas Insurance Department states that every policy sold must contain the minimum limits for the following types of coverage:
- Liability
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage
- Personal Injury Protection (PIP)
 - $4,500 per person for medical expenses
- $900 per month for one year of disability/loss of income
- $25 a day for in home services
- $2,000 for funeral expenses
- $4,500 for rehabilitation expenses
- Uninsured/Underinsured Motorist
- $25,000 per person
- $50,000 per accident
Bodily injury liability pays for the injuries or death caused to others by the policyholder up to the limit stated on the policy and property damage liability pays for damages to another person's property that the insured may cause. Personal injury protection will pay for the medical expenses or funeral cost of the insured and/or passenger regardless of who is found to be at fault. Uninsured/Underinsured motorist coverage compensates the insured's and/or passenger's medical expenses in the event that they are struck by a driver who does not carry a policy, is underinsured or if victim of a hit and run. One should keep in mind that these are the minimum requirements and higher limits of protection can be purchased if one decides that it will be beneficial for their particular situation.
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