Cheap Auto Insurance for Retired Military in Kansas

Buying low-cost insurance is hard enough, and deciding which insurers offer the best insurance rates for retired military requires additional perseverance. Every insurance company has a proprietary formula to set policy rates, so let’s take a look at the most competitive insurance companies in Kansas.

It’s important to know that Kansas insurance rates are impacted by many things that may substantially change the price you have to pay. Simply improving your credit score, buying a different vehicle, or getting a DUI may prompt premium changes resulting in some companies being more expensive than competitors.

Best Car Insurance Prices for Vets

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USAA quotes some of the best car insurance rates in Kansas at around $766 each year. The Hartford, Travelers, Allied, and Auto-Owners would also make the list of some of the best Kansas auto insurance companies.

In the above example, if you have coverage with Auto-Owners and switched to The Hartford, you might achieve an annual savings of upwards of $280. Drivers with Farmers might save as much as $349 a year, and Farm Bureau Mutual insureds might lower prices by $384 a year.

It’s important to note that these prices are averaged for all drivers and vehicles and and are not calculated with a price discount for retired military. So the insurer that has the cheapest rates for you may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

For veterans, one of the big criteria that control the cost of insurance is your zip code. Areas that are more densely populated like Garden City, Dodge City, and Wichita tend to have more expensive auto insurance rates, whereas less populated areas have the enjoyment of a little cheaper coverage.

The information below ranks the highest-priced places in Kansas for retired military in which to buy car insurance.

Rate quotes are comparative as the specific zip code location can decrease or increase insurance rates greatly.

Discounts on cheap car insurance for retired military in Kansas

Insurance companies that sell policies for retired military may additionally offer discounts that can lower rates by 40% or more if you qualify for them. A list of companies and a summarized list of policyholder discounts are detailed below.

• American Family may include discounts for good student, multi-vehicle, TimeAway discount, Steer into Savings, and good driver.
• State Farm includes discounts for driver’s education, safe vehicle, anti-theft, Drive Safe & Save, multiple policy, good driver, and good student.
• 21st Century offers discounts for air bags, anti-lock brakes, defensive driver, good student, driver training, and teen driver.
• Travelers policyholders can earn discounts including continuous insurance, hybrid/electric vehicle, home ownership, new car, multi-car, payment discounts, and save driver.
• GEICO may offer discounts for emergency military deployment, seat belt use, multi-policy, anti-lock brakes, military active duty, defensive driver, and federal employee.

The chart below illustrates the comparison of car insurance rates with and without discounts. The premiums assume a female driver, no claims, a clean driving record, Kansas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, anti-theft, defensive driving course, vehicle safety, passive restraint, and safe-driver discounts applied. When discounts are factored in, the the average amount saved on insurance for retired military is 28% or $320.

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Picking the highest-rated company is difficult considering how many different companies insure vehicles in Kansas. The company information below may help you choose which providers to look at when trying find the best insurance for retired military. The ratings below only include the largest companies in America, so smaller regional companies are not included in this list.