How Much Does Insurance Cost for Used Cars in Kansas?

This would be a much quicker read if we could tell you the one auto insurance company that has the cheapest coverage in Kansas. Regrettably, it’s not quite that easy, as there are a ton of unknown aspects such as the vehicle you drive, if your vehicle is for work or personal use, and if you had any at-fault accidents in the last few years, that all impact the price you pay. This article goes into detail about these topics and also should give you a good start in finding the cheapest car insurance.

Finding out which companies quote the cheapest auto insurance rates for used cars may require a little more sweat than just comparing a company or two. Every auto insurer has their own process to set premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Kansas.

We do need to point out that Kansas auto insurance rates are impacted by many things that will increase or decrease the cost of your policy. Simply turning a year older, buying another vehicle, or having an accident can cause premium changes resulting in some rates now being more affordable than competitors.

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USAA generally has some of the best car insurance rates in Kansas at around $773 each year. The Hartford, Auto-Owners, Travelers, and Allied would also be considered some of the best Kansas insurance companies.

In the rate table above, if you buy coverage from Travelers and switched to USAA, you may see annual savings of roughly $289. Policyholders with Allied may save as much as $325 a year, and Farmers customers might cut rates by $391 a year.

To see if you’re overpaying, click here to begin a quote or quote rates from the companies below.

These policy rates are averages for all insureds and vehicles and and are not figured with a price decrease for used cars. So the auto insurance company that has the cheapest rates for you may not even be in the above list. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

The car, truck, or SUV you are buying coverage for is one of the primary factors when consumers are trying to find low-cost car insurance for used cars. Vehicles with high performance engines, poor safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.

The next table showcases car insurance prices for the cheaper automobiles to insure in Kansas.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can influence premiums greatly.

Looking at the numbers, you can expect cars like the Ford Escape, Honda Accord, Toyota Prius, and Ford Focus will definitely be some of the most affordable vehicles to insure for pre-owned vehicles.

The illustration below demonstrates how choosing different deductibles can affect insurance costs when getting quotes for cheap insurance for used cars. The premium estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2435,2225,1993,1771],[‘Age 30’, 1281,1171,1041,917],[‘Age 40’, 1233,1131,1011,897],[‘Age 50’, 1127,1035,927,825],[‘Age 60’, 1105,1015,909,809],[‘Age 70’, 1267,1167,1057,951]]);var options = {title: ‘Impact of Deductibles on Insurance Rates in Kansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 40-year-old driver could reduce rates by $200 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $302 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, have the ability to save $664 every year by using a higher deductible. When using a larger deductible, it will now be necessary to have enough in a savings account to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Drive safe and save

The ideal way to find affordable auto insurance premiums in Kansas for pre-owned vehicles is to drive cautiously and not get tickets or have accidents. The example below illustrates how speeding tickets and at-fault claims raise auto insurance rates for different insured age categories. The premiums are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2571,2761,3289],[‘Age 30’, 1351,1541,2073],[‘Age 40’, 1327,1519,2051],[‘Age 50’, 1211,1399,1931],[‘Age 60’, 1171,1361,1893],[‘Age 70’, 1425,1617,2145]]);var options = {title: ‘Impact of Tickets and Claims on Kansas Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy in Kansas per year with no accidents or violations is $1,509. Get written up for one speeding ticket and the average cost swells to $1,700, an increase of $190 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance for used cars goes up to an average of $2,230. That’s an increase of $721, or $60 per month, just for a couple of infractions!

Cheapest insurance quotes for pre-owned vehicles

Due to technology, there are many ways to compare auto insurance quotes in Kansas, but the most frequently used are through an independent agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive.

Each way has the same basic process, but it’s important to point out the distinctions in how they provide price quotes.

Independent agencies write business for many companies and can get rate quotes from every one. These types of agencies are appointed with more than one company and can give you more rates, which may give you the best idea of how your rates compare. If the agent locates a cheaper price, your policy can be easily switched to a new company and you can remain with the same agent.

A captive, or exclusive, agent is only able to write with one insurance company, two examples being Farmers Insurance or State Farm agents. They are unable to provide rates from more than one company, so if the price isn’t competitive there isn’t much they can do.

Buying auto insurance direct means you do not use an agent and instead shop direct from companies such as Progressive or Esurance. This auto insurance option can be good for people who do not need advice for risk management and have knowledge of what is covered and what is not.

What is the best way to buy cheap insurance for used cars in Kansas? Most people assume that buying from a direct company yields the cheapest rates since no commissions are paid to an agent, but in reality, that argument does not hold true. We could also say that using an independent agent is the best way to go because they can quote many companies, but that idea is not necessarily true either. And occasionally, the exclusive agents have very competitive rates that are well below what direct and independents offer.

Because of the variability of auto insurance rates, the only real way to get the cheapest rates is to get rate quotes and compare. We highly recommend getting quotes from all three to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.

How to get cheap insurance for used cars in Kansas

Below you’ll find some of the recommended money-saving suggestions that can help Kansas drivers buy cheap auto insurance.

• Prevent rate increases by staying accident-free
• Don’t waste money on full coverage for older vehicles
• Drivers with good credit ratings often pay less
• Maintain a clean driving record
• Vehicles with good safety ratings are usually cheaper to insure
• Higher comprehensive and collision coverage deductibles will save money
• Look for cheaper rates once a year by shopping around

That last idea is highly important, as we discussed in this write-up. Auto insurance rates in Kansas vary considerably, so don’t be unwilling to switch to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that faithfulness ends up costing you money that could be going to better use. It takes less than five minutes to shop around to find cheaper insurance for used cars.