Kansas law mandates car insurance coverage, with premiums depending on a variety of factors such as driving history, claims history and location. Drivers can reduce premium costs by purchasing safer vehicles or increasing coverage limits and decreasing deductibles while bundling policies like home, life or disability coverage together. There are discounts available to eligible Kansas drivers such as students, veterans, good drivers, homeowners and loyal customers as well as those willing to go paperless.

Kansas state minimum car insurance policies require bodily injury liability, property damage liability and uninsured/underinsured motorist coverage as minimums; higher limits may provide extra protection in an accident. The average yearly cost of minimum coverage in Kansas is $502.

Your driving record plays a large part in determining your rate. Insurance companies take into consideration your accident history, whether there have been prior accidents and their severity when setting premiums for policyholders with more at-fault incidents on their driving records; their premiums will become more costly in comparison.

A good credit score can play an integral part in determining your rate. As more negative items, such as late payments and collections, appear on your report, the greater the risk and higher will be your premiums. You can improve your credit by making payments on time, reducing debt and raising your score.

Location can have an enormous effect on car insurance rates, as different regions experience different levels of crime and accidents. You can get an idea of the impact your location has by visiting NerdWallet’s car insurance calculator for each state.

While it is technically legal to drive without car insurance in Kansas, you will incur penalties such as fines and other sanctions if caught driving without coverage. Furthermore, your license could even be suspended if too many tickets or gaps in policy gaps accumulate – you can avoid this penalty by keeping coverage current and selecting a company with excellent claims satisfaction ratings like JD Power’s Claims Satisfaction Ratings.

Kansas drivers can save even more by bundling their auto and home policies with InsureOne; InsureOne will customize a bundle package to meet each driver’s individual needs and budget; they also offer discounts such as safe-driver, homeownership and loyalty rewards – giving drivers access to an array of coverage and savings that could fit perfectly into their lives. Get in touch today for your free quote from InsureOne!