Cheapest Car Insurance Quotes for Low Mileage Drivers in Kansas

The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, in particular when shopping around for the best insurance rates for low mileage drivers. Because of the high cost, let’s open your eyes to some of the things that impact auto insurance prices, and figure out some ideas to reduce the cost of the next policy you buy.

We all like different vehicles, and the type of vehicle you are buying coverage for is probably the biggest factor when quoting the cheapest car insurance for low mileage drivers in Kansas. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than high performance models.

The lists below features insurance rates for the most affordable automobiles to insure in Kansas.

Table data represents married male driver age 30, 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. Rates do not factor in specific location information which can increase or decrease prices significantly.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can modify prices considerably.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in specific location which can modify auto insurance rates significantly.

When shopping for cheaper insurance for infrequent drivers, one of the many considerations that influence the policy price is where you call home in Kansas. Areas with a lot of weather claims or more people like Garden City, Liberal, and Wichita tend to have higher rates, whereas areas with less traffic congestion and claims get the luxury of paying less.

The table below illustrates the most expensive places in Kansas for low mileage drivers to buy an auto insurance policy in.

Table data uses estimated as the specific geographic location can increase or decrease premium rates greatly.

Should you buy full coverage?

Finding the cheapest car insurance for low mileage drivers in Kansas is important to most people, and a good way to buy cheap insurance is to not buy full coverage. The illustration below illustrates the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, comp and collision coverage costs $1,667 per year more than just buying liability only. That is a large expense which might make you wonder if full coverage is worth the money. There is no written rule to eliminate physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $12,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $11,000 after the policy deductible has been paid. If you are currently paying more than $1,100 a year for your policy with full coverage, then it might be time to buy liability only.