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Shawnee Car Insurance

Buying Shawnee car insurance is definitely not the most exciting purchase you will make this year but this does not mean you should settle for any old policy that your Shawnee coverage carrier offers you. It is important that you not only understand what it is you are actually buying but also to look into the best discounts available. After all, with the extra money you save on Shawnee car insurance, you can afford to buy something a lot more exciting on the side.

Kansas Car Insurance Rates

When you purchase any Shawnee automobile insurance policy, you are actually buying a number of different coverage plans all bundled into one package. Under the Kansas state law, Shawnee residents are required to purchase the following four types of coverage with the minimum coverage plans:

  • Bodily injury liability coverage - this will pay for the other person's medical expenses, rehabilitation, funeral and burial costs and other costs of personal injury due to a car accident, if you are liable for the accident. The minimum coverage for bodily injury protection is $25,000 per person or $50,000 per accident. 
  • Property damage liability - this will pay for the other person's car and other property damage if you are at fault for the accident. The minimum coverage for property damage is $10,000 per accident. 
  • Personal injury protection - this will pay for the medical expenses, rehabilitation, funeral and burial costs, loss of income and in-home care for you and any injured passengers regardless of who is at fault for the accident. Personal injury protection comes with a number of minimum amounts as required by law including at least $4,500 per person for medical expenses, at least $900 per month for one year of disability and at least $25 per day for in-home services. Personal injury protection also comes with a minimum of $2,000 for funeral and burial expenses if the car accident results in a death. 
  • Uninsured/underinsured motorist coverage - this will pay for any medical and other related costs you and your passengers endure from an accident if the person who has caused the accident is not properly insured. Although it is against the law to drive without Shawnee vehicle insurance, a small percentage of people still do it every day. Uninsured coverage comes with a minimum of $25,000 per person and $50,000 per accident.

Many Shawnee, KS residents will also look into the optional extras when purchasing Shawnee car insurance, which are sometimes included at discount insurance rates as part of a package deal. This includes collision and comprehensive coverage. Collision pays for the repair of your car in a collision or rollover while comprehensive coverage pays for the damage to your car due to an "Act of God" such as a storm, tornado, hail damage or theft. As Shawnee residents are well aware, you cannot predict the erratic Kansas weather and it's best to be prepared for anything!

Shawnee Car Insurance Rates

Your Shawnee car insurance rates will depend on not only the extras and the coverage you require, but also a number of other factors including the following:

  • Your driving history and habits including any traffic violations and convictions 
  • The make and model of your vehicle
  • The safety, collision and theft rating on your vehicle
  • The amount of time you spend on the road
  • Your age and gender
  • Where you live 
  • Your previous insurance carrier record

The car insurance carriers will factor all of these things in to determine your insurance ‘risk level.' There are three main levels - Preferred, Standard and Non-standard. Preferred drivers are usually granted the lowest rates while Non-Standard drivers are considered ‘high risk' and thus offered higher premiums.

Shawnee Car Insurance Quotes

Regardless of what level you are classified as, there are ways to save on your premiums every day. Maintain a good driving record and pay any unpaid parking fines and other tickets now rather than later. It is never too late to improve your driving history.

In most instances, it will pay to include the optional extras when shopping around for car insurance in Shawnee. A couple extra bucks can end up saving your thousands if you are in a car accident. One exception to this is if you are driving an old vehicle that is worth less than $3,000 - it might be worth your while to simply count your losses if you are in an accident.

It is also worth your while to check your coverage policy rate every year to ensure you are getting the most competitive rate possible. Make sure you always shop around and compare prices on a number of different Shawnee auto insurance carriers. A quick online search of a number of different Shawnee, KS insurance carriers and policies will help you stay connected to the most competitive rates and comprehensive plans for your driving lifestyle.

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