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No. Kansas law requires the following four types of Kansas auto insurance:
Bodily Injury Liability
If you are responsible for injuring another person in an auto accident, bodily injury liability will provide coverage for medical expenses, rehabilitation and other covered costs. It will also provide money for legal expenses if you are sued.
Property Damage Liability
If you are responsible for damaging private or public property, property damage liability will provide funds to repair the damage.
Personal Injury Protection (No-Fault Insurance)
No-fault insurance provides coverage for medical and funeral expenses for you and your passengers in the event of an accident—regardless of who is at fault.
Uninsured/Underinsured Motorist Protection
This protection covers expenses resulting from an accident with an uninsured or underinsured driver.
How will the premium for my Kansas auto insurance be determined?
According to the Kansas Department of Insurance, there are five major factors used to determine your rates for Kansas auto insurance:
Your Driving Record. This is one of the largest indicators in determining the premium for your Kansas auto insurance. The more blemishes you have on your driving record, the higher your premiums will be.
Prior Insurance Coverage. Your new insurer will want to know about any auto insurance you have had prior to your new policy. Your relationship with past insurance companies will be an important element in determining your insurability.
Your Age and Gender. Statistically speaking, young, single men are at a higher risk for having an accident. Insurers look at such statistics when determining a rate for Kansas auto insurance
Where You Live. If you live in an urban area, you may pay more than folks in less populated areas—metropolitan areas have a higher incidence of accident and theft, so insurers raise the premium accordingly.
What You Drive. You may face higher premiums if you drive an automobile that is costly to repair or replace, so make sure you check insurance rates before buying that luxury car!
How can I save money on Kansas auto insurance?
Receiving discounts on your Kansas auto insurance is one of the best ways to lower your premiums. The Kansas Department of Insurance urges you ask your Kansas auto insurance agent about discounts for:
Kansas auto insurance agents may not offer discount opportunities up front, so be sure you ask!
What if I still have questions?
For more information on Kansas auto insurance, you may contact the Kansas Department of Insurance at (800) 432-2484.
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