Car insurance rates depend on many variables that impact them, including age and status as an add-on driver, coverage levels and more. With so many elements at play affecting rates, finding an insurer offering affordable car coverage may seem impossible; but with MoneyGeek’s Kansas Car Insurance Calculator drivers can easily estimate what their cheapest rate may be in their region.
The calculator considers various factors that could affect an individual’s car insurance rate, such as credit scores, driving records and prior insurance history of drivers. Additionally, information regarding current vehicles such as model year is taken into account, in addition to location factors like driving amount and ownership status of homes. It then estimates the annual premium as estimated by this calculator; its results should only be used as comparison tools since each driver’s situation differs.
Kansas car insurance premiums can be heavily influenced by a driver’s credit score. A low score typically indicates that they will file more claims, which poses more of a risk to insurers, leading them to charge them higher premiums – on average drivers with poor credit pay around $1,419 more annually compared with those who boast exceptional scores.
Other factors that may impact a driver’s premium include their driving record and past accidents or traffic violations, age of driver (younger drivers typically pay higher premiums), as well as adding teens onto your policy, which could increase premiums by as much as 3.1x.
Kansas state law mandates drivers carry at a minimum bodily injury liability, property damage liability, and uninsured/underinsured motorist coverages; it is wise for them to consider purchasing additional coverages such as comprehensive and collision for their own benefit; these can help cover damages from theft, natural disasters, vandalism etc. Additionally, drivers leasing or financing vehicles should consider gap coverage which will pay out their remaining loan amount in case the vehicle is totaled.
Progressive currently offers the lowest car insurance rates for drivers with poor credit in Kansas, however drivers should get multiple quotes to ensure they find the most competitive price possible. Bundling car and homeowners policies with one provider could lower monthly costs up to 10%! Furthermore, drivers should speak with local agents or companies in their area regarding discounts available, then make an informed decision as to which is the most suitable for them.