Low Cost Auto Insurance in Kansas

Reader’s Question:

I am from Kansas. What are the proven ways to maintain low cost auto insurance without having to slash off other coverage on my car insurance?

Cameron

Wichita, KS

Most Kansas residents think that they should just accept the premiums their auto insurance companies charge them. What many are not aware of is that there are surefire ways to maintain low cost auto insurance without scaling down on coverage.

Homeowners and car insurance, if taken from the same carrier, will entitle an individual to multiple-policy discount and may mean an annual savings of 12 to 15% on insurance rates. Owners of cars that have safety features such as anti-lock brakes, electronic stability control, traction control, seat belts or airbags are given competitive insurance rates. The government has ordered that a 5% slash on annual auto insurance rates for three years be given to drivers that have successfully completed defensive driving classes in Kansas. Bear in mind, though, that there must not be any traffic violation for three years or you will forfeit the discount.

If you have been paying a bundle on your comprehensive insurance, then you may need to inform your agent if your car has an anti-theft system so as to qualify for discounts on your comprehensive coverage. Occupational discounts are also given to individuals with college degrees. Meanwhile, students who maintain a grade point average of 3.0 or higher and do not have unexcused absences are eligible for good student discounts. This may mean from a $280 to a $500 discount yearly. Elderly drivers also qualify for up to 10% cut on their rates if they take the Department of Motor Vehicles (DMV) certified mature driving classes. Lastly, keeping up that clean driving record will boost your chances of not getting any increase in your rates.