Cheapest Car Insurance Quotes for Veterans in Kansas

Wouldn’t it be nice if you could just magically know the one perfect auto insurance company that has the best insurance prices for veterans? It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns like the crime level of your neighborhood, the performance level of your vehicle, if you are wanting full coverage, and whether you have good credit. This article will discuss the different ways to avoid overpaying and hopefully give you enough understanding to have a good start in finding the cheapest insurance.

One of the key considerations that is used by auto insurance companies to calculate the amount you pay for auto insurance is where you choose to live in Kansas. Cities with larger populations or higher claim trends like Garden City, Liberal, and Wichita will most likely pay more, whereas areas with less traffic congestion and claims benefit from having to pay less for coverage.

The information below displays the priciest cities in Kansas for veterans to purchase auto insurance in.

Rates are approximated as vehicle location can revise rates greatly.

The vehicle model that is being insured is a large consideration when trying to find the cheapest auto insurance for veterans in Kansas. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models. The next table estimates car insurance rates for a handful of the most affordable vehicles to insure.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location which can lower or raise prices considerably.

Based upon the table data, you can figure that makes and models like the Ford Escape, Honda CR-V, and Chevrolet Impala are likely to be some of the most budget-friendly vehicles to insure for veterans.

Irresponsible driving raises your rates

A great way to enjoy low insurance prices in Kansas for veterans is to drive attentively and avoid traffic citations and accidents. The chart below shows how speeding tickets and accident claims drive up insurance costs for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

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The data charted above shows the average cost of car insurance in Kansas per year with no violations or accidents is $1,877. Factor in one speeding ticket and the average cost increases to $2,156, an increase of $279 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for veterans increases to an average of $4,509. That’s an increase of $2,632, or $219 per month, just for not being more responsible behind the wheel!

Picking the highest-rated insurer can be difficult considering how many choices drivers have in Kansas. The company ratings shown next could help you select which auto insurers to look at purchasing from.

The rankings below are only comprised of large nationwide companies, so companies without a large exposure are not taken into consideration for this list. To compare rates and find the cheapest rates for veterans, follow this link.

Top 10 Large Auto Insurers in Kansas Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Travelers
10. The General

Top 10 Large Auto Insurers in Kansas Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Travelers
8. Allstate
9. The Hartford
10. Esurance

Tips for buying low-cost car insurance for veterans

Lowering your rates is not difficult, and here are some thrifty ideas that can help you buy cheap coverage.

• Buy a safer vehicle
• Good credit can help you save money
• Bundle car and home insurance and save money
• Save money by only buying liability coverage for older vehicles
• Avoid having at-fault accidents
• Compare rates regularly and switch companies to save money

The last suggestion is particularly critical, as was stressed in this piece. Insurance rates can change considerably based on profitability, so drivers shouldn’t hesitate to buy a different policy if a more affordable rate is found. Brand loyalty is great, but it’s not recommended if that dedication is costing money that could be spent on other things. Take a few minutes and compare rates and find cheaper insurance for veterans.

Best cheap insurance quotes for veterans

Drivers have a lot of different ways to compare cheaper insurance rates in Kansas, but the most common are from an exclusive agency like State Farm or Liberty Mutual, an independent agent, or from a direct company like Geico or Progressive.

Each way is similar, but they are slightly different in how they function.

Independent agents have contracts with multiple insurance companies and can get rate quotes from each one. These agents do not sell for just one brand and can compare multiple rates, which may provide you with better odds of saving money. If they quote lower rates, the business is moved internally and you can keep the same agent.

An agent who is captive is only able to write with one company, two examples are a Farmers or Allstate agent. Exclusive agencies are unable to provide a range of price quotes, so if rates are not competitive, they cannot give other choices.

When you buy insurance direct, you skip a local agent and buy direct from companies such as Geico or Esurance. This insurance option may be the best choice people who do not need high levels of coverage and know more than average about how insurance works and possible exclusions.

So which of those three methods works best to find the cheapest auto insurance for veterans in Kansas? The quick answer would be buying direct results in the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, that is not always true. It could also be said an independent agent can save the most money due to increased selection, but again, it’s not necessarily true. And occasionally, the exclusive agents have really good rates that are the lowest in Kansas.

Since insurance companies use so many rating factors, the guaranteed way to ensure you are not overpaying for insurance is to get rate quotes and compare. Smart shoppers will get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.