Affordable Car Insurance Auto Insurance in Kansas - Compare Rates

Drivers of the Sunflower State!!

This article is especially for you to help you save on auto insurance.

As you know that buying the minimum liability is mandatory and is something that you cannot escape from, you can always do a few things in order to ensure lower insurance rates.

But for that you should first understand what is the minimum insurance coverage required in the State.

Kansas Car Insurance Requirements

Bodily Injury Liability
>> This coverage will pay for any bodily injuries that you cause to others while driving. Now in case the victims of the accident decide to sue, then your legal expenses can also be covered with the help of this coverage.
>> The Law requires a minimum Bodily Injury Liability limit of $25,000 per injured person up to a total of $50,000 per accident.

Property Damage Liability
>> This coverage can help you when you damage the property of others. The coverage will provide for any damage or repair to a car; replacement cost for replacing valuables inside the car and will also pay for damages to any other property.
>> A minimum limit of $10,000 is to be maintained.

Uninsured/Underinsured Motorist Bodily Injury
The State thinks of the minimum liability as a measure to encourage a complete protection. And so the uninsured/underinsured motorist bodily coverage is compulsory in the State. As the name suggests you won't be covered for any property damage under this coverage. The limits are the same as for bodily injury liability.

Personal Injury Protection (PIP or No Fault)
This covers the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him within the specified limits. This coverage is beneficial as you can avail it, no matter who is at-fault.

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The minimum amount required by law will include:
1. $4,500/person for medical expenses
2. $900/month for one year for disability/loss of income
3. $25/day for in-home services
4. $2,000 for funeral, burial or cremation expense
5. $4,500 for rehabilitation expense
6. Survivor Benefits: Disability/loss of income up to $900/month for one year
7. In-home services up to $25/day for one year

You can also go for other optional coverage which includes:
Collision Coverage - This coverage will help you pay the expenses of your car when it gets damaged in a collision.
Comprehensive Coverage - This coverage will pay for almost everything that causes damage to your car other than a collision. It includes several factors that cause damage like fire, hail, vandalism, flood, impact due to animals etc.

These coverages are expensive and based on the valuation of your car. So if you want to reduce insurance rates on them, then you can increase your deductibles. Higher deductibles mean that you will pay more out of your pocket in case of an accident and hence the insurer has less to pay. This will automatically reduce your insurance rate.

The Kansas Insurance Commissioner Sandy Praeger is trying to spread awareness among consumers to buy the "right fit" of insurance. It doesn't mean that a high insurance rate means total coverage. Sometimes you may end up paying for something you may not really want. So before you go for insurance understand your needs and then take a decision.

Also just understanding your needs is not enough. It is also important that you compare coverages offered by different companies and also consider each company's financial stability.

You cannot afford to forget about discounts. They have the ability to reduce your insurance rates considerably.

You can avail several discounts:
>> Multiple-policy discount (if you buy more than one policy)
>> Motor Vehicle Accident Prevention Course discount (companies are required by law to offer this discount)
>> Good student discount
>> Mature driver's discount (between 50 and 65 years of age)
>> Discounts for installing safety and anti-theft devices.

So understand what the "right fit" is for you and ensure your safety.

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