Best Cheap Auto Insurance Quotes for Government Employees in Kansas

The words “economical” and “insurance” really shouldn’t be used together, specifically when you are shopping around for the lowest insurance rates for government employees. To save some money, let’s go over some situations that can significantly affect car insurance rates, and see how we can help you take the bite out of the next policy you buy.

The make and model of vehicle you are insuring is one of the biggest factors when comparison shopping for the best cheap auto insurance for government employees in Kansas. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than higher performance models. The lists below estimates coverage costs for the more afforable automobiles to buy coverage for.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in Kansas location which can raise or lower premium rates considerably.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific garaging location which can increase or decrease prices considerably.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific Kansas garaging location which can increase or decrease insurance rates considerably.

One of the more important criteria that aid in calculating the amount you pay each year for auto insurance is the neighborhood you call home in Kansas. Regions with more people or even just more weather-related claims like Garden City, Liberal, and Wichita are more likely to pay higher prices, whereas areas with less congestion get the luxury of paying less.

The next table sorts the higher priced cities in Kansas for government employees to buy car insurance in.

Information shown are approximated as the vehicle garaging location can increase or decrease premium rates considerably.

Establishing which company quotes the cheapest car insurance rates for government employees will require more work than just getting one or two price quotes. Each auto insurer has a unique formula for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Kansas.

Keep in mind that Kansas car insurance rates are influenced by many factors that may substantially change the cost of a policy. Simply turning a year older, marrying your spouse, or getting a driving violation can trigger rate changes that may make certain companies affordable when they were higher priced.

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USAA has some of the lowest car insurance rates in Kansas at around $750 annually. The Hartford, Auto-Owners, Allied, and Travelers would also make the list of some of the most economical Kansas car insurance companies.

As depicted above, if you are currently insured with Auto-Owners and switched to USAA, you might realize an annual savings of in the vicinity of $335. Kansas drivers with Allied might save as much as $337 a year, and Travelers policyholders might lower prices by $356 a year.

Bear in mind that those prices are averages for all drivers and vehicles and do not factor in a price decrease for government employees. So the auto insurance company that can offer you the best price may not even be shown in the above list. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

How much more does full coverage cost?

Finding the best cheap auto insurance for government employees in Kansas is important to the majority of drivers, and an effective way to find cheaper insurance is to buy only liability coverage. The example below visualizes the comparison of insurance costs with full coverage and liability only. The data is based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

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If we average the cost for all age groups, physical damage coverage on your policy costs an additional $1,667 per year more than just insuring for liability. That raises the question if paying for full coverage is a waste of money. There isn’t a written rule of when to eliminate full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 annually for your policy with full coverage, then you might want to think about dropping full coverage.