How to find the best car insurance in Kansas
Finding the best car insurance in Kansas doesn’t have to be difficult. While it does involve research and requesting several car insurance quotes, understanding how to evaluate your needs and your state’s unique requirements is generally the first step.
Consider minimum insurance requirements in Kansas
While you don’t need to memorize your state’s minimum coverage limits — it’s impossible to buy a policy with limits that are lower than the minimum — understanding what coverage types and levels are required can give you a basis for knowing how much coverage you need.
Kansas requires more coverage types than many states. While most states require bodily injury liability and property damage liability, Kansas requires those coverage types as well as uninsured motorist, underinsured motorist and personal injury protection (PIP) coverage. While minimum coverage might be the cheapest option, it also provides very little financial protection. Most insurance professionals recommend that you buy higher liability limits.
Consider lender requirements
If you have a loan or lease on your vehicle, you’ll likely be required to carry a full coverage car insurance policy. Full coverage adds both comprehensive and collision to a policy, which pays for damages to your vehicle regardless of fault. These coverage types are typically required if you have a loan or lease on a vehicle because the financial institution owns it (or at least part of it) and needs to make sure that the vehicle will be repaired or replaced should it be damaged or totaled.
You may also want to consider gap coverage if your vehicle is newer. New vehicles depreciate fast, which sometimes means that the price you’ll be paid after a claim is less than your loan amount. Gap coverage is designed to pay the difference so you aren’t left paying your lender out of pocket.
Consider your individual needs
Every driver brings a unique set of circumstances to their search criteria for car insurance in Kansas. Your individual needs will impact which company best fits your needs. If you have a teen driver in your household, for example, you may choose a company with several young driver discounts to help lower your premium.
Additionally, if you have made custom improvements to your vehicle, you may need to seek out a company with custom parts and equipment coverage. High-risk drivers might need to find non-standard car insurance companies. Understanding your specific situation might help you decide what features you need to look for as you search for auto insurance in Kansas.