Kansas – Tips for Saving on Car Insurance


As is well known, the mandatory auto insurance coverages in Kansas State are much higher than the other states in the United States. Hence, the average insurance rates in this state vary between $1,000 and $3,000 for a male in Wichita, while it is between $600 and $2,000 for a female on an average. In Garden City, for a male the rates vary from $$1,000 and $3,500 and for a female, the rates are in the range of $700 to $2,500. In Topeka, the rates for male are between $1,000 and $2,500, while for a female, the rates vary from $700 to $2000. These rates had been computed for a 16-year old driver, single, male/female that drives the vehicle for more than 50% of the driving time but drives less than 7,500 miles in a year. The car could be a Chevrolet Impala of 2006 model. The coverages include the mandatory coverages required in the state of Kansas, along with deductible of $250 for collision coverage and $100 for comprehensive coverage.

From the above data, you would be able to understand that every dollar that you save on your car insurance is valuable and would reduce the financial burden substantially on your monthly budget. It is quite easy to save on car insurance and a few significant tips are presented here for saving on car insurance in Kansas State.

One of the best methods of saving on car insurance is to offer higher deductibles for comprehensive and collision coverage. If you offer deductibles in the range of $500 or $1,000 for each one of these coverages, the insurance company would most probably reduce your car insurance premium by up to 10%. If you are not involved in an accident during the policy period, the entire amount is a substantial saving for you. On the other hand, even if you get involved in an accident, the higher deductible would ensure that the insurance company responds immediately on your claim and comes to your rescue in the financial risk that arises from the accident.

If you offer to purchase your life insurance, health insurance, and home insurance, along with your car insurance from the same insurance company, you would be saving up to 15% on your insurance premium payments. When the insurance company knows that you are a healthy person, they consider you as lesser risk and offer lower car insurance rates.

Another factor in car insurance rates is your credit rating. Even if you have a bad credit score and are forced to pay a higher car insurance premium now, you would be able to get a better rate when the policy comes up for renewal if you make prompt payments on your insurance premium and other bills, loan dues, home loans, and other credit repayments. Such prompt payment would lift your credit score and the insurance company would definitely appreciate it.

Finally, try to get as many quotes as possible from several insurance companies. This would help you understand your weaknesses and strengths. You would be able to increase your strengths and work on your weaknesses to reduce or remove them totally.