Great driver? Super! Not-so-great driver? Not an issue.
We’re an independent agency and shop multiple insurance carriers to always give you our best rate for the coverage you want (regardless of your circumstances). We help both new and long-term customers, great drivers and those with a few issues. We review all policies and re-check your rates at renewals. We can check your renewal rate even if you’re not a current client.
We’re also here for those drivers who might feel like they have nowhere else to turn.
At some agencies, new drivers drivers with SR22 requirements a history of no insurance violations or those with bad driving records might find it hard to get policies at affordable prices. We always give you reliable coverage, with our best pricing option, and have done so since 1994..
Effective coverage at the limits you want
By having car insurance, you get a sense of some financial security. Going without auto insurance puts you, others, your driver’s license, and your wallet at risk.
Let’s say you cause an incident; your policy helps pay for damage you caused to other people and their cars up to the limits you choose. If you get more than the basic coverage it could even help you pay for your car with comprehensive and collision coverage. Most policies have multiple uses, and you can usually mix and match your coverage to meet your needs. Going without can cause financial hardship by way of fees, fines and damages, license suspensions, vehicle registration suspensions and SR22 requirements.
Kansas Auto Insurance Requirements
We represent multiple top-name insurance carriers, the policies we provide can contain:
According the Kansas Insurance Department, Kansas mandates that every automobile insurance policy sold in the state must have these minimum coverages:
- Liability
- Bodily Injury-pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family are at fault in an auto accident.
- Property Damage-pays when you or your insured drivers damage other property in an accident. It pays for repair, replacement, or cash value of the other owner’s property (within policy limits).
- Minimum amount required by law:
- $25,000/person for bodily injury
- $50,000/accident for bodily injury
- $25,000/accident for property damage
- Personal injury protection (PIP or No Fault)-pays for medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their policy.
- Minimum amount required by law:
- $4,500/person for medical expenses
- $900/month for one year for disability/loss of income
- $25/day for in-home services
- $2,000 for funeral, burial or cremation expense
- $4,500 for rehabilitation expense
- Survivor Benefits: Disability/loss of income up to $900/month for one year
- In-home services up to $25/day for one year
- Uninsured Motorist/Under-Insured Motorist-pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured or underinsured driver with proof of their insurance status.
- $25,000/person
- $50,000/accident
Cars aren’t as simple as they used to be. Driving isn’t as simple as it used to be. There are more distracted drivers than ever before. Cars include more options for safety than in the past but in this isn’t the only protection you need.