Cheapest Car Insurance Quotes for Low Income Drivers in Kansas

Finding out which company has the most affordable auto insurance rates for low income drivers requires more work in order to find the lowest price. Every insurance provider has a different process for establishing rates, so we’ll go over the auto insurance companies with the overall best prices in Kansas.

Best Auto Insurance Prices in Kansas

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USAA may offer some of the lowest car insurance rates in Kansas at around $750 a year. The Hartford, Auto-Owners, Allied, and Travelers would also make the list of some of the most economical Kansas car insurance companies.

As shown above, if you currently have a policy with Allied and switched to USAA, you might see a yearly savings of upwards of $304. Drivers with Travelers may save as much as $345 a year, and Farmers customers might realize rate reductions of up to $390 a year.

Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with a rate discount for low income drivers. So the auto insurance company that can offer you the best price may not even be featured in the list of companies shown earlier. That emphasizes why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The make and model of vehicle that is being insured is probably the largest consideration when comparing cheaper coverage for low income drivers. Vehicles with higher performance, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next tables illustrates insurance premiums for a selection of the most economical automobiles to insure.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in zip code location which can decrease or increase rates considerably.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in zip code location which can impact insurance rates substantially.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific Kansas garaging location which can increase or decrease premiums substantially.

For poor drivers, one of the largest factors that is looked at to help calculate a rate quote is your address in Kansas. More populated areas like Garden City, Dodge City, and Great Bend tend to pay higher rates, whereas areas with less congestion benefit from lower rates.

The following table ranks the highest-priced areas in Kansas for low income drivers to purchase car insurance in.

Premium amounts are comparative as specific Kansas zip code can increase or decrease coverage prices considerably.

Get discount Kansas insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-low-income-drivers-ks.jpg" alt="Cheaper Kansas auto insurance for poor drivers” />Insurance providers that offer the cheapest auto insurance for low income drivers in Kansas may additionally offer special discounts that can lower rates by 40% or more if you qualify for them. A few of the larger companies and the discounts they provide include:

The information below illustrates the comparison of insurance premiums with and without policy discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, Kansas state minimum liability limits, comprehensive and collision 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 multiple policy, claim-free, accident-free, anti-theft, marriage, and vehicle safety discounts applied. When these discounts are applied, the the average amount saved on auto insurance for low income drivers is % or $.

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Driving violations and accidents

The obvious way to score the cheapest auto insurance for low income drivers in Kansas is to pay attention while driving and avoid at-fault accidents and violations. The chart below demonstrates how traffic citations and at-fault claims can influence annual premium costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1923,2337,2755],[‘Age 30’, 997,1413,1835],[‘Age 40’, 971,1385,1805],[‘Age 50’, 893,1307,1729],[‘Age 60’, 875,1289,1711],[‘Age 70’, 1021,1439,1859]]);var options = {title: ‘Effect of Citations and Accidents on Kansas Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance in Kansas per year with no accidents or violations is $1,113. Get written up for two speeding tickets and the average cost jumps to $1,528, an increase of $415 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for low income drivers increases to an average of $1,949. That’s an increase of $836, or $70 per month, just for a couple of infractions!

How to get the cheapest auto insurance for low income drivers in Kansas

The list below details many money-saving ideas that can help Kansas drivers quote cheap coverage.

• Choose a safer vehicle and pay lower rates
• Higher credit scores may earn you cheaper rates
• Prevent price hikes by avoiding at-fault accidents
• Increase the comprehensive and collision deductibles on your policy
• Maintain a clean driving record
• Comparison shop at least once a year

That last piece of advice is very crucial, as we pointed out in the prior information. Auto insurance prices in Kansas can be modified anytime, so don’t be unwilling to switch carriers if a cheaper rate is available. Staying with the same car insurance company is fine, but it isn’t a good idea if it’s costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for low income drivers.

Best cheap insurance quotes for poor drivers

There are many ways to purchase auto insurance in Kansas, but the most frequently used are through an independent insurance agent, an exclusive agency like State Farm or Liberty Mutual, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but it’s important to understand the differences in how they give price quotes.

Independent insurance agencies work with multiple companies and can quote your policy with each one. Agents of this type do not sell for just one brand and can give you a larger rate selection, which may provide you with the best chance of finding a lower price. If your agent finds a cheaper company, you can get a different policy which makes it simple for you.

Exclusive agents are only able to give rates for a single insurance company, two examples being State Farm and Allstate agents. They generally cannot provide rates from more than one company, so if their prices are high, they cannot shop around.

The last way is buying direct, which means you forego an independent or exclusive agent and instead shop direct either online or via phone. This option can be good for people who do not have a complex risk profile and know more than average about the exclusions of a policy.

Out of those three methods, which one works best to find the cheapest auto insurance for low income drivers in Kansas? We would first guess that buying direct results in the cheapest price because there is no agent involved, but in reality, that argument does not hold true. A valid argument could also be made that using an independent agent is the best way since they can quote with many companies, but that assumption is also not necessarily accurate. And sometimes, exclusive agencies may have prices that are the lowest in Kansas.

Because there is so much variation in auto insurance prices, really the best method to ensure the lowest rates is to compare lots of quotes. Take some time and get quotes from all three types in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.