Best Cheap Auto Insurance for Handicapped Drivers in Kansas

Ideally, we could tell you the company that has the lowest rates in Kansas. Regrettably, it’s not quite that easy, as there are many unknowns such as the level of liability coverage you want, how old you are, whether you are female or male, and if you have maintained coverage continuously. We will try to teach you about the best ways to save on auto insurance and will hopefully give you a solid foundation to find cheaper car insurance in Kansas.

When shopping for auto insurance for drivers with handicaps, one of the many factors that help set car insurance rates is your zip code. Cities that have higher claim levels or more people like Garden City, Liberal, and Great Bend tend to pay more, whereas areas with less traffic congestion and claims receive better rates.

The next table lists the most expensive areas in Kansas for handicapped drivers to buy car insurance in.

Information shown are comparative as the specific geographic location can affect coverage prices considerably.

We all have different tastes in cars, and the vehicle needing coverage is a large consideration when quoting the best cheap car insurance for handicapped drivers in Kansas. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost much more to insure than safer models. The information below estimates auto insurance premiums for some of the most affordable automobiles to buy coverage for.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location which can increase or decrease coverage prices significantly.

Above prices assume single female driver age 40, 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. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect price quotes noticeably.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can revise premium rates considerably.

Determining which companies quote the best auto insurance rates for handicapped drivers involves a little more effort than just comparing rates from one or two companies. Each auto insurance company has their own unique process for determining rates in each state, so we will examine the lowest cost auto insurance companies in Kansas.

Cheapest Insurance Rates in Kansas

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USAA may have some of the lowest car insurance rates in Kansas at around $773 a year. The Hartford, Travelers, Auto-Owners, and Allied also make the cut as some of the best Kansas insurance companies.

In the above example, if you currently buy coverage from The Hartford and switched to USAA, you could see annual savings of around $66. Kansas drivers with Travelers could save as much as $289 a year, and Auto-Owners customers might realize rate reductions of up to $312 a year.

To find the best cheap car insurance for handicapped drivers in Kansas, click here to start a quote or visit several of the following companies.

Be aware that those estimates are averages across all drivers and vehicles in Kansas and and are not calculated with a rate decrease for handicapped drivers. So the company that fits you best may not even be in the list above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

Discounts on Kansas auto insurance

Car insurance companies that offer the best cheap car insurance for handicapped drivers in Kansas may additionally offer price discounts that could potentially reduce rates by as much as 25% or more if you can meet the requirements. A list of companies and a selection of discounts are shown below.

• State Farm offers premium reductions for driver’s education, defensive driving training, good student, passive restraint, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
• Progressive includes discounts for online quote discount, continuous coverage, homeowner, good student, multi-vehicle, and online signing.
• Progressive has discounts for good student, online quote discount, multi-vehicle, multi-policy, online signing, and continuous coverage.
• MetLife discounts include good driver, accident-free, defensive driver, multi-policy, and claim-free.
• Farm Bureau may have discounts that include good student, driver training, renewal discount, multi-policy, youthful driver, and 55 and retired.
• GEICO offers discounts for multi-policy, anti-theft, daytime running lights, military active duty, federal employee, and driver training.
• SAFECO may include discounts for safe driver, teen safety rewards, accident prevention training, anti-lock brakes, homeowner, and teen safe driver.

The example below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The data is based on a male driver, a clean driving record, no at-fault accidents, Kansas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, safe-driver, defensive driving course, passive restraint, claim-free, and accident-free discounts applied. When these discounts are applied, the the average yearly reduction on auto insurance for handicapped drivers is 28% or $454.

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