Kansas Auto Insurance

Kansas auto insurance gives you the flexibility to choose your level of protection when you shop for a policy. In this stable, Midwestern prairie state, you are legally required to purchase liability insurance that covers minimum requirements for physical injury and property damage if you are at fault in a collision. Liability protection beyond these minimum amounts is optional. You must also carry personal injury protection and uninsured/underinsured motorist plans.

Many residents of Kansas don't feel safe carrying only the minimum in liability insurance. If you were found responsible for an accident that caused grave injuries, you could end up being liable for far more than the minimal requirements. Being underinsured puts you at risk for a financially devastating lawsuit if you're involved in an incident that causes a loss of wages or the need for intensive care or rehabilitation.

When you compare quotes on Kansas vehicle insurance, look for policies that offer more protection at affordable premiums. Using this website to launch your search, request multiple estimates from Kansas auto agents. Make sure you are aware of all your eligible discounts and credits -- such as having a good driving record, a strong credit rating or safety devices installed on your auto -- when you request a quote.

Mandatory Kansas Car Insurance

Bodily injury and property damage liability, personal injury protection and uninsured/underinsured motorist coverage are required by law in Kansas. [1] Together, these forms of insurance provide more security than most states require. As an auto owner and driver in KS, you have the reassurance of knowing that you are covered against damages caused by motorists who have no insurance or insufficient insurance.

The state of Kansas is filled with gently rolling landscapes, which offer a pleasant driving experience in the warm spring and summer months. In the winter, driving can become more dangerous on the freeways. Snow and ice make the roads slick, and strong winds can make it difficult to control your vehicle. Collision options cover you if your vehicle incurs damage during a multi-vehicle or single-car accident. Comprehensive plans compensate you for harm caused to your auto by hail, a tornado or other KS weather hazard.

You are not required to carry collision or comprehensive insurance in Kansas. However, the bank or financing company that administers your auto loan may require that you pay for these options until you are the legal owner of the auto. If your car was new when you purchased it, consider maintaining comprehensive and collision coverage to ensure the safety of your property.

No-Fault and Uninsured Plans

Personal injury protection, also known as PIP or no-fault auto policies, cover a wide range of contingencies. This form of auto protection is optional in many states, but Kansas requires that you carry PIP. [1] If you or your passengers are injured in a collision, PIP provides benefits for medical care, rehabilitation, in-home nursing care, wage loss and other damages, whether or not you are responsible for the accident. In addition, PIP covers funeral expenses and survivor benefits in the event of a fatality.

Uninsured/underinsured motorist plans provide benefits to you or your passengers if you are injured or your auto is damaged by a person who has no Kansas auto insurance. These plans also protect you if your expenses exceed the liability protection of an insured driver who injures you. As an added benefit, you and your family members are covered if you are struck by an uninsured or underinsured driver while walking or riding a bicycle.

Determining Kansas Auto Insurance Rates

Kansas automobile insurance premiums are determined by a rating system that takes your KS driving record into account. [1] If your record proves that you are a safe driver with no citations, you'll receive a preferred rate. Your premiums will be lower than the rates for an auto owner with standard status. You may be able to reduce your payments even more by paying a higher deductible.

Having standard status means that you may have had a few minor fender-benders or traffic citations in your history. However, on the whole, you are a safe driver. Your rates may be slightly higher than a preferred driver's, but if you include discounts for driver's safety classes, being a mature driver or having features like anti-lock brakes or automatic seat-belts, you may be able to lower your premiums.

Non-standard drivers typically must pay the highest premiums for Kansas auto insurance. This group includes new motorists under the age of 25, car-owners with a record of not paying their premiums and motorists with a record of drunk driving or other serious infringements. Look for Kansas auto insurance carriers that specialize in helping non-standard drivers insure their vehicles at affordable rates. Wherever you are on the Kansas auto insurance ratings system, you always have the right to search for lower premiums.

[1] http://www.ksinsurance.org/consumers/autoinfo.htm 01/27/11

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