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Wichita Car Insurance

Wichita car insurance applies to any Wichita resident that currently drives including teenage drivers, families and senior citizens. Even if you do not drive often or if you have an old car, you will still need Wichita car insurance. Under the state of Kansas, you are required by law to have a certain amount of coverage on your vehicle, regardless of how much you drive, how old you are or what type of car you have. However, just because Kansas vehicle coverage is mandatory for any Wichita driver, this does not mean you have to accept whatever car insurance quote the dealership or your previous coverage agency has given you. You have the right to choose the best coverage policy and discount for your driving lifestyle.

Low Cost Wichita, KS Car Insurance

The minimum car insurance plan in Kansas is often referred to as 25/50/10 coverage due to the minimum coverage amounts. This includes the following:

  • A minimum of $25,000 per person and $50,000 per accident for bodily injury liability coverage
  • A minimum of $10,000 per car accident for property damage liability 
  • Uninsured/underinsured motorist coverage with a minimum of $25,000 per person and $50,000 per accident
  • Personal injury protection coverage with a minimum of $4,500 per person for medical expenses, $900 per month for one year of disability, $2,000 for funeral and burial expenses, $4,000 for rehabilitation costs and at least $25 per day for in-home services.

However, the most common benefit plan for Wichita auto insurance is called 100/300/50 which includes the following protection limits:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury
  • $50,000 per accident for property damage

Many people will also opt for the coverage extras including collision and comprehension coverage which will protect your vehicle in the event of a collision, rollover, theft, vandalism or natural disaster.

Wichita Car Insurance Discounts

There are a number of ways to save on your car coverage. Every single Wichita coverage carrier is different and will provide different car insurance discounts. By shopping around and asking about the various discounts, you could save anywhere from five to 40 percent on your Wichita vehicle insurance. Some of the common discounts include the following:

  • Mature driver discounts - if you are between the age of 50 to 65 years of age, you could quality for an older driver discount. You will usually be rewarded for your experience on the road. Furthermore, if you are not driving to work every day, you could also be offered a discount for low mileage. 
  • Student driver discounts - if you are under the age of 25, then you might be resigned to the fact that you will be paying higher-than-average premiums. This does not have to be the case. Some Wichita carriers will offer discounts to teenaged drivers and young drivers that complete a driver's education course. Furthermore, many companies will offer a discount to those who complete the Motor Vehicle Accident Prevention Course. A few courses can go a long way when it comes to your Wichita automobile insurance quote. 
  • Clean driving record discounts - if you are accident-free and traffic violation-free then there is no reason why you shouldn't be given a break on your car insurance premium. Furthermore, you may also be offered a discount if you have a good credit history with your previous coverage payments. 
  • Safety and anti-theft device discounts - if you drive a vehicle that comes with all the safety features including airbags and antilock brakes as well as additional anti theft devices, then you could also be offered a discount.

Carpooling or low mileage discount - consider taking the public transit, carpooling to work or taking one of your vehicles off the road for an incredible saving every year on your vehicle coverage as well as your fuel bill!

Wichita Car Insurance Quotes

Perhaps the best way to save on your Wichita car insurance every year is to do a quick online search of the different Kansas carriers and their policy quotes. By filling in the required information, you will instantly be connected to a number of Wichita, KS car insurance carriers who all want your business.

It is always important to remember that when you are looking for vehicle coverage that the cheapest deal is not always the best for your situation. You could be missing out on some of the important extras by selecting the cheapest policy without reading the fine print. You do not want to sacrifice quality service for a discount. Browse through the policies, check the discounts and coverage options and determine which suits you best, based on your budget as well as your driving lifestyle. With an online search of Wichita car insurance, you are in control of your own insurance destiny.


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