Kansas Auto Insurance Quotes

The historic home of great numbers of bison which once roamed America’s central plains has seen a few changes in the past two hundred years, and travelers through the Sunflower State are more likely to encounter the many parks along historic Lewis and Clark and California trails then buffalo. Kansas auto insurance quotes are imperative to ensuring that your long drives through this flat state are satisfyingly pleasant.

Kansas Minimums

One of the more strict states in terms of minimum insurance requirements, Kansas mandates drivers maintain bodily injury coverage of $25,000 for a single injured person up to $50,000 for persons with bodily injuries in an accident. Property damage minimum coverage is $10,000, unlike most other states, Kansas requires PIP (personal injury protection) and uninsured motorist coverage. PIP covers expenses for any hurt drivers and passengers in accidents, and standard amounts are $4,500 for medical expenses, $2,000 for funeral expenses, and $900 per month for survivor benefits and disability or loss of income both, with $25 a day for any in-home services. Uninsured coverage is typically set at $25,000 per person and $50,000 per accident!

No Fault System

With Kansas’ No-Fault laws, car insurance companies must pay injured drivers expense regardless of who was at fault in an accident. This curbs car insurance fraud, and in a state with lower premiums than many others, you can save yourself some money by remembering to speak to your online quote representative about how to decrease your rating.

Kansas Penalties

Three separate convictions for driving without car insurance in a five-year period can result in state revocation of one’s license for three years, with first offenses carrying $300-$1000 fines, and subsequent infractions resulting in $2,500 fines. Being smart by getting a low Kansas auto insurance quote online that meets minimum requirements is the only guaranteed way to avoid such fees.