7 Tips to Save on Car Insurance in Lenexa Kansas

Are you tired of robbing Peter to pay Paul to pay your car insurance bill each month? You’re in the same situation as many other drivers in Kansas. With so many insurance providers from which to choose, it can be challenging to choose the cheapest insurer.

The purpose of this article is to help educate you on how car insurance quotes work. If you have car insurance now, you should be able to reduce your rates substantially using this information. Kansas consumers just need to know the tricks to find the lowest price over the internet.

Compare Lenexa Car Insurance Costs

There are several ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in Lenexa, or you can utilize online quotes to get pricing more quickly.

Most major companies take part in a program where insurance shoppers send in one quote, and every company returns a competitive quote. This eliminates the need for form submissions for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is that you can’t choose which carriers you want to price. If you would rather choose specific insurance companies to compare prices, we have a page of companies who write car insurance in Kansas. View list of Kansas insurance companies.

Whichever way you use, make darn sure you compare identical coverage limits and deductibles for each comparison quote. If you compare different deductibles it’s not possible to determine which rate is truly the best in Lenexa.

Don’t miss out on these seven money-saving discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some trigger automatically at quote time, but lesser-known reductions have to be inquired about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

• Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
• Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
• Low Mileage – Fewer annual miles can qualify you for better rates on cars that stay parked.
• Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
• Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
• Save over 55 – Mature drivers may be able to get better car insurance rates.
• Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurers with discount car insurance rates in Kansas, click here to view.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• Who is covered by my policy?
• Do I benefit by insuring my home with the same company?
• At what point should I drop full coverage?
• Does my insurance cover a custom paint job?
• Can I rate high risk drivers on liability-only vehicles?
• What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Kansas requires drivers to carry at least 25,000/50,000/10,000 but you should think about purchasing more coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, colliding with a tree, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many Kansas drivers have only the minimum liability required by law (25/50/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, funeral costs and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, theft, hail damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More information can be found on the website for the Kansas Insurance Department located here. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, file complaints about a company, and read industry bulletins.