Cheap Auto Insurance Quotes for Drivers Requiring a SR22 in Kansas

It’s impossible to miss the catchy commercials from auto insurance companies like Nationwide and Allstate claiming enormous savings, so you should just choose the one with the flashiest ad, right?

It’s just not that simple, as there are many unknowns like which neighborhood you live in, if you have a spouse, and if you own the home you live in, that all help calculate your car insurance rates. If you keep reading, we will teach you about the best ways to find cheap car insurance and also should give you a good start to your coverage search.

The car, truck, or SUV on the policy is a significant factor when looking for the cheapest insurance for drivers requiring a SR22. Vehicles with more horsepower, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models.

The table below showcases insurance premiums for the most budget-friendly automobiles to insure in Kansas.

Premium data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in vehicle garaging location which can influence coverage rates substantially.

By looking at the data, you can infer that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be some of the most affordable vehicles to insure for high risk drivers. Prices will be more expensive just because there is more exposure for drivers requiring a SR22, but generally speaking those particular models will most likely have the lowest insurance rates compared to all other vehicles.

One of the many things that affect the cost of insurance is where you choose to live in Kansas. Urban areas that are densely populated like Garden City, Dodge City, and Wichita tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below lists the highest-priced places in Kansas for drivers requiring a SR22 in which to buy car insurance.

Price information shown is comparative as specific Kansas garaging address can lower or raise premiums substantially.

The example below highlights how deductible choice can affect insurance premiums when getting quotes for cheap insurance for drivers requiring a SR22. The premiums are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

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The data above shows that a 50-year-old driver could lower their car insurance rates by $226 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $344 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates as much as $576 each year by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is essential to have additional funds in a savings account to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Full coverage rates compared to liability-only

Finding cheap auto insurance for drivers requiring a SR22 in Kansas should be important to most drivers, and one of the quickest ways to pay less for insurance is to not insure for full coverage. The illustration below compares auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $500 deductibles, marital status is single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3093,1151],[‘Age 30’, 1601,633],[‘Age 40’, 1577,587],[‘Age 50’, 1439,549],[‘Age 60’, 1395,541],[‘Age 70’, 1727,721]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, full coverage costs an additional $1,805 per year more than carrying just liability coverage. Many people question when is the right time to remove full coverage. There is no definitive formula to delete full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $10,500 after you pay the deductible. If it’s costing you more than $1,050 annually for full coverage, then it may be the right time to buy liability only.

Does Allstate, State Farm, Progressive, or Geico have the cheapest car insurance?

If you want the best auto insurance for high risk drivers in Kansas, four companies to definitely compare rates with are Allstate, State Farm, Progressive, and Geico. If you add them together, they insure about half of all policies written in the United States. Each company has a unique set of features, discounts, and options that may steer you one way or another. The following table illustrates some of the different options offered by each one.