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Olathe Car Insurance

Purchasing Olathe car insurance is not rocket science but with so many different Olathe, KS carriers and coverage policies, it may seem like it. Because of the various options and decisions to make when it comes to purchasing Olathe auto insurance, many people will just go for whatever is the easiest or recommended by a car dealership and stick with it. However, you could be over-paying for your car coverage and possibly be on a policy that is just not adequate for your driving lifestyle or your budget.

Kansas drivers have one of the lowest average expenditures for car insurance at $568.00 in 2007 . Keep in mind that this expenditure is for basic coverage without the extras that most families will purchase. If you are concerned about your car coverage premium or looking for a way to save a few hundred dollars each year, then now is the time to dig out that old Olathe car insurance policy and see how it stacks up.

Olathe Vehicle Insurance Policies

The first thing you need to look at when it comes to your Olathe car insurance policy is what extras and what coverage you have. Basic coverage, which includes bodily injury liability and property damage liability, is required by Kansas law. If you opt for a basic coverage plan, you should be paying under $700 for your car insurance. However, most drivers will include some of the coverage extras just in case. A breakdown of coverage is as follows:

  • Bodily Injury Liability - minimum $25,000 per injured person up to a total of $50,000 per accident (mandatory) 
  • Property Damage Liability - a minimum limit of $10,000 (mandatory) 
  • Uninsured/ Underinsured Motorist Bodily Injury - a minimum limit of $25,000 and maximum of $50,000 
  • Personal Injury Protection - a limit of $4,500 medical and $900 for income loss if unable to work.

Kansas Car Insurance Price Comparison

Additional factors that will determine your Olathe automobile insurance price include your driving record, the type of vehicle you drive and the amount of driving you actually do. If you have a perfect driving record with little to no traffic violations, then there is no reason why you should be paying higher-than-average premiums, especially if you have been driving for a number of years. Those who are inexperienced drivers, under the age of 21 or have a poor driving record can expect a higher premium. Furthermore, if you have a number of speeding tickets, unpaid fines, parking violations and DUI convictions, both your driving record and your ability to find cheap coverage will suffer.

The type of vehicle you drive will also impact your policy. In general, the safer your vehicle is, the cheaper your car coverage premium will be. Check the Insurance Institute of Highway Safety if you are in the market for a new car. This organization lists the Safety Award winners annually so you can be informed on what vehicles make the grade. Some of the 2010 winners include the following:

  • Large, Medium and Small Cars - Buick LaCrosse, Ford Taurus, Lincoln MKS, Volvo S80, Audi A3, Chevrolet Malibu, Chrysler Sebring sedan, Dodge Avenger, Mercedes C-Class, Subaru Legacy, Subaru Outback, Volkswagen Jetta sedan, Volkswagen Passat sedan, Volvo C30, Honda Civic, Kia Soul, Nissan Cube and Subaru Impreza
  • SUV's - Honda Element, Jeep Patriot, Subaru Forester, Volkswagen Tiguan, Volvo XC90, Volvo XC60, Subaru Tribeca and Dodge Journey

A final factor that will weigh in on the cost of your Olathe car insurance is how much driving you actually do. If you are driving every single day, whether commuting to work or simply driving around Olathe, then you can expect higher coverage premium rates that someone who only drives once a week. The reason is because the more driving you do, the higher the chance that you will be in an accident. Even if you are the world's most cautious driver, you never know what dangers lay around the corner. If you are constantly on the road, then you may eventually find out.

Of course, this does not mean that Olathe residents that have poor driving records, fast vehicles and commute to work everyday will not be able to find cheap coverage - there are various Olathe companies that offer discounts on Olathe car insurance. You just need to know where to look.

Online Olathe, KS Insurance Quotes

A quick online search of local Olathe carriers can end up saving you up to 40 percent on your current Olathe car insurance policy. If you are looking for a fast, effective and free way to save a few hundred dollars a year, then jump online, fill in your details and browse through a number of different policies and packages catered to you. With one click of the mouse you are well on your way to a better discount on car insurance.

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