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Kansas Car Insurance Discounts

Taking advantage of Kansas auto insurance discounts could save many drivers in the state a significant amount of money on their insurance premiums. In order to take advantage of these discounts, though, drivers must know which discounts are available in their state and whether or not they qualify for the discount, and then must approach their automobile insurance company about applying the discount to their account.

Insurance Company Discounts in Kansas

There are a few vehicle insurance discounts that you could be eligible for based on your relationship with your car insurance company. While these discounts may not save you a huge percentage on any one insurance premium, they will add up when you stack them on top of each other and take advantage of them over time.

Many automobile insurance companies will charge you less for your Kansas car insurance if you also hold a different sort of policy with the same company. Qualifying policies often include homeowner's insurance, renter's insurance, health insurance and life insurance, though you will need to discuss these with your particular company to be sure that a particular policy qualifies. This won't help you save money if you weren't planning to purchase these other policies anyway, but can offer substantial savings if you were.

In addition, you can also save money by having multiple cars and/or drivers on one insurance policy. Again, this probably won't help you if you weren't going to insure the additional people and vehicles anyway, but can help a lot if that was the plan all along.

Some companies will give you additional savings if you are a long-term policyholder and if you pay the cost of your policy in full, instead of making monthly payments. These discounts are usually fairly small, but they can add up over time and are definitely worth taking advantage of if you qualify for them.

Other Auto Insurance Discounts in Kansas

Beyond saving money based on your relationship with an auto insurance company in Kansas, there are other discounts you may be eligible for. These are based on who you are, how you live and drive, and some features of your vehicle.

The most common auto insurance discount for KS drivers is based on your driving record. With most auto insurance companies, you will automatically be eligible for this discount if you have no tickets or moving violations on your record over a certain period of time. Some companies will tack on an additional discount for not having any claims on your record, too. Finally, many companies will give you a greater discount the longer you keep your record clean.

Driving a vehicle with certain anti-theft features, like a LoJack device or car alarm, and/or certain safety features, like dual airbags or anti-lock brakes, can also earn you a substantial discount on your automobile insurance premiums. Having a vehicle that has earned a certain safety rating can gain you similar discounts with many insurance companies. These discounts can be substantial enough that it is worthwhile to install devices on vehicles that don't already have them, so be sure to ask your insurance company how certain devices might change your premiums.

Some companies will offer additional premiums to drivers who take particular defensive driving or driver's education courses. These discounts may only apply to teenage drivers, first time drivers, and older drivers, as these are the groups that tend to have the most accidents. Often, the course will have to be chosen from a particular list in order to qualify for this discount.

Students under the age of 25 can also save money if they keep their grade point average above a certain level. Since younger drivers tend to pay more for their insurance, this savings can be significant and can make the difference between being able to insure a teen driver and not being able to afford it.

Finally, you can often save on your vehicle insurance rates based on a group or association that you belong to. These can be professional groups, hobbyist associations, community groups, alumni associations, and more. The best way to find out about these discounts is to contact the group itself, as they often have the most up-to-date information about what is available and who you need to contact at the insurance company to get the discount.

Once you're familiar with the types of auto insurance discounts available in Kansas, you're in a good position to talk to your particular car insurance company and discuss ways you can save money on your insurance. Make sure you know which discounts you qualify for and are ready to explain your qualification. You should be able to save some money if you find discounts that have not already been applied to your account.


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