Who Has the Cheapest Car Insurance Quotes for State Employees in Kansas?

The type of vehicle to be insured is probably the biggest factor that determines whether or not you can buy the cheapest car insurance for state employees in Kansas. Vehicles with lots of horsepower, poor crash test ratings, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The next tables presents car insurance prices for some of the most cost-effective vehicles to insure in Kansas.

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

Price 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-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in zip code location which can change premium rates significantly.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can decrease or increase coverage rates greatly.

Trying to find low-priced auto insurance is not always easy, and deciding which company quotes the lowest-priced auto insurance rates for state employees involves a bit more work. Each auto insurance company uses their own calculation for filing rates in each state, so to begin we’ll rank the auto insurance companies with the most affordable rates in Kansas.

We do need to point out that Kansas auto insurance rates are determined by lots of factors that may substantially change the cost of coverage. Price variation is why it is crucial to perform an extensive rate comparison when trying to get the lowest insurance quotes for state employees. Auto insurance prices consist of many risk factors and can change substantially, so the cheapest rate a year ago may now cost much more than other companies.

Cheap Insurance Rates in Kansas

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USAA offers some of the cheapest car insurance rates in Kansas at around $766 each year. The Hartford, Auto-Owners, Allied, and Travelers also are some of the cheapest Kansas insurance companies.

As shown in the rates above, if you buy coverage from The Hartford and switched to USAA, you could realize savings of approxmiately $65. Customers with Auto-Owners may save as much as $319 a year, and Allied customers might lower prices by up to $321 a year.

Understand that those policy prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a price discount for state employees. So the insurer that is best suited for you may not even be included in the list above. That emphasizes why you need to compare as many prices as possible using your own individual information.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to receive the cheapest car insurance for state employees in Kansas is to drive attentively and avoid at-fault accidents and violations. The example below shows how violations and accidents can influence insurance prices for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

The data above shows the average cost of car insurance in Kansas per year with no violations or accidents is $1,608. Receive two speeding tickets and the average cost hikes up to $2,117, an increase of $509 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for state employees increases to an average of $4,256. That’s an increase of $2,648, or $221 per month, just for not driving attentively!

Difference between liability only and full coverage rates

Finding the cheapest car insurance for state employees in Kansas is the goal of most people, and a good way to pay lower rates for insurance is to buy liability only. The information below compares car insurance rates with full coverage and liability only. The premiums assume no claims or driving violations, $250 deductibles, drivers are single, and no discounts are factored in.

As an average for all age groups, physical damage coverage costs $1,509 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is worth the expense. There is no set guideline for eliminating full coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

How to find the cheapest car insurance for state employees in Kansas

Lowering your rates is not difficult, and here are many money-saving ideas that can help you buy more affordable coverage.

• Maintain a safe distance and avoid accidents
• Good credit can mean cheaper rates
• Serious violations like DUI or reckless driving can increase rates dramatically
• Assess whether full coverage is needed
• Safe vehicles generally have lower rates
• Raise deductibles to save money
• Ensure you have the best deal by shopping around regularly

The last idea is extremely valuable, as was affirmed in this write-up. Car insurance prices in Kansas change constantly, so you should be ready to switch companies if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a great idea if that devotedness results in you overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for state employees.