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Kansas Car Insurance

Everything comes up sunflowers in Kansas, nicknamed the "Sunflower State". Manufacturing has taken over the fields were bison used to roam free and wild, as Wichita, KS is responsible for 70 percent of the general-aviation aircraft produced in the United States. They are also the eighth state in the nation when it comes to natural gas production and rank among the top states in crude-oil production. In addition to manufacturing, Kansas residents pride themselves in the agricultural department with cattle, sheep, wheat, soybeans, cotton, hogs, corn and salt. The eastern part of the state is known as the Grain Belt, one of the major grain production areas in the central U.S. The economic diversity continues with industrial outputs including transportation equipment, publishing, chemical products, machinery, food processing and apparel. Two major Interstate highways with one beltway, two spur routes and three bypasses that generate over 870 miles for which to travel serve the "Wheat State." However, to travel any road in Kansas each driver must have adequate Kansas car insurance coverage.

Kansas residents are spaced out, as their major cities do not have the same huge population numbers as other cities, but there is still plenty to do and see throughout the state. Wichita is the largest city in the state. It is known as the "Air Capital" for its major manufacturing center for the aircraft industry. This portion of the state has become a cultural must-see with many nationally registered historic places, museums and entertainment destinations. The state capital, Topeka, is another tourist attraction, as well as pride-filled city for state residents. While they travel great distances to see their state's highlights, each driver must be able to show proof of car insurance that meet Kansas state standards.

Kansas Auto Insurance Coverage

Kansas (KS) is one of the strictest states when it comes to car insurance requirements. It requires a driver to be covered for bodily injuries, property damage, personal injury protection (PIP) and uninsured motorist coverage. Drivers must have the minimum coverage of $25,000 for bodily injury for one person and the minimum coverage of $50,000 for bodily injuries involving more than one person. The property damage minimum is set at $10,000. While bodily injury and property damage coverage are the norm for most states, personal injury protection and uninsured motorist coverage typically fall under the "additional coverage" category.

Personal injury protection coverage will cover medical and/or funeral expenses of a driver and any passengers who were hurt in an accident. The standard amount of PIP coverage is $4,500 for medical expenses, $900 per month for disability/loss of income, $2,000 for funeral expenses, and $900 a month for survivor benefits and $25 a day for in-home services. Uninsured motorist coverage will cover accident expenses if someone is involved in an accident with a person who does not carry the required Kansas car insurance. The set amount of uninsured coverage is $25,000 per person and $50,000 per accident. When you receive your car insurance quote online the standard state of Kansas car insurance requirements will be included in your auto insurance quote.

No-Fault Kansas Car Insurance Coverage

Kansas uses the no-fault car insurance system to determine which driver is financially responsible in the event of an automobile accident. The no-fault system is when car insurance companies must pay the expenses of insured drivers regardless of who was at fault for the accident. This system is used as a way to curb car insurance fraud. Just as the state of Kansas requires more auto insurance coverage, the penalty for driving without the sufficient amount of car insurance is severe. The first offense can result in a fine ranging from $300 to $1,000 and subsequent offenses can result in fines up to $2,500. If convicted of driving without car insurance three times within a five-year period, the state of Kansas will revoke a person's auto license for three years. To avoid these fines and penalties drivers can find car insurance quotes online that are affordable and meet the state standard to make sure he or she is covered in the event something happens.

Auto insurance premiums for state residents typically have lower rates than residents in other states. Statistics for the year 2004, showed an average of $603.47 in Kansas car insurance premiums, a decrease from the average $610.81 in 2003. The 2004 figures are based on a liability coverage average of $302.07, collision average of $253.99 and a comprehensive average of $213.99. Traditionally, Kansas car insurance premiums are lower than at least 40 other states. In 2000, the average Kansas car insurance premium was $540.21 and in 2001, it was $555.90. Finding Kansas car insurance rates that are affordable and keep you legal can be found quickly and conveniently online. Shopping for Kansas auto insurance on the Internet is easy, as it allows you to compare rates with several auto insurance companies all at once.

While shopping for car insurance quotes online, you may want to consider additional coverage. Some types of additional coverage include comprehensive and collision coverage. Comprehensive coverage covers physical damage to your vehicle because of non-collision damage. Collision coverage covers damage to your vehicle as a result from a collision with an object other than car or object. There are also plans that will cover additional costs such as towing fees and rental reimbursement.

No matter if you reside in Overland Park, Kansas City, Manhattan or another Kansas city your car insurance liability policy will be factored by underwriting and rating. Underwriting is a composite of various factors including driving habits, gender, age and location. Some age groups receive better discounts, such as drivers over 30; where as teenage drivers will have a higher car insurance quote. In addition, the type of vehicle you drive will determine the amount of your auto insurance premium. The more expensive the vehicle generally relates to a higher car insurance rate. Living in a high-populated area such as Wichita, Kansas can affect a person's car insurance quote, whereas someone living in a more rural area such as Derby, Kansas or Junction City, Kansas may see a decrease in their rate.

A rating system is then used to place a driver in one of three categories: preferred, standard or non-standard. The preferred category is for drivers car insurance companies see as the best risk. Where as standard is for moderate risk drivers and non-standard is for drivers considered high risk. The higher the risk auto insurance company sees a driver results in a higher car insurance premium rate. Receiving fines for lack of auto insurance can elevate a driver to high-risk status.

There are things you can do to decrease your rate such as taking approved driving courses and maintaining a clean driving record. Shopping online can help you conveniently and quickly find the cheapest car insurance quotes and rates. Speaking to a Kansas representative online, either via live chat or email, can help you learn what you can do to decrease your car insurance quote and find a plan that meets your individual needs. Given the strict Kansas car insurance guidelines, it is important to find an auto insurance company that understands what you need for coverage, not only mandatorily but additional coverage as well. Shopping around, typically a month or two before your current plan expires will give you a better chance of finding a cheaper car insurance quote that you can afford.

So what are you waiting for? Compare cost and coverage details from the Kansas cities of: Kansas City, Wichita, Topeka, Manhattan, Overland Park, Atchison, Coffeyville, Dodge City, Emporia, Garden City, Great Bend, Hays, Hutchinson, Lawrence, Liberal, McPherson, Parsons, Pittsburg, Salina, Winfield and more.


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