Cheap Auto Insurance Quotes for Uber Drivers in Kansas

You have probably seen the catchy advertisements from insurers like Progressive and GEICO guaranteeing the cheapest price, so drivers should just choose the one with the flashiest ad, right?

It’s just not that easy, however, as there are a whole slew of unknown aspects such as whether you have good credit, how many years you have been driving, and whether you are a man or a woman. This article goes into detail about these types of topics and will give you a good start to your coverage search.

Locating affordable insurance is not easy, and determining which company offers the cheapest car insurance rates for Uber drivers will involve even more perseverance. Each auto insurance company uses a slightly different approach for determining rates, so let’s take a look at the most affordable car insurance companies in Kansas.

Best Insurance Companies for Your Uber Vehicle

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USAA generally has some of the cheapest car insurance rates in Kansas at around $743 annually. The Hartford, Auto-Owners, Allied, and Travelers would also be considered some of the cheaper Kansas insurance companies.

As shown in the rates above, if you are insured with Allied and switched to USAA, you might achieve a yearly savings of about $311. Drivers with Travelers could save as much as $319 a year, and Farmers customers might realize rate reductions of up to $432 a year.

Bear in mind that those premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate discount for Uber drivers. So the insurer that can offer you the lowest price may not even be shown in the list of companies above. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The type of vehicle on the policy is one of the largest considerations when quoting economical car insurance for Uber drivers. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The information below illustrates coverage rates for a selection of the most economical automobiles to insure.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific garaging location which can increase or decrease premiums considerably.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific Kansas garaging location which can alter auto insurance rates significantly.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in zip code location which can increase or decrease premiums noticeably.

Should you buy full coverage?

Finding cheap car insurance for Uber drivers in Kansas is important to the majority of drivers, and one great way to save on the cost of insurance is to only pay for liability coverage. The illustration below shows the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

As an overall average, physical damage insurance costs $1,646 per year over having just liability coverage. Many drivers may wonder when is the right time to remove full coverage. There isn’t a written rule to delete full coverage, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If it’s costing in excess of $800 annually for physical damage coverage, then it might be time to consider dropping full coverage.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to receive low car insurance prices for Uber vehicles is to drive safe and avoid accidents and traffic citations. The information below illustrates how violations and accidents can increase premium costs for different age categories. The premiums assume a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $1,229. Get two speeding tickets and the average cost surges to $1,737, an increase of $508 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for Uber drivers jumps again to an average of $2,263. That’s an increase of $1,034, or $86 per month, just for not keeping your driving record clean!

Who has the cheapest insurance quotes for Uber vehicles?

There are many different ways to find cheap car insurance in Kansas, but the most common ways are through an independent insurance agent, an exclusive insurance agent such as State Farm or Allstate, or direct either online or via phone. All three ways are similar, but car insurance shoppers should know the differences in how they give price quotes.

Independent agencies have contracts with many companies and can get policy pricing from every one. These agents are not employed by one specific company and can provide you with more rate quotes, which can give you a better chance of finding cheaper coverage. If they quote lower rates, it’s simple to move the policy which requires no work on your part.

An agent who is captive is able to place business with a single company, two examples are an Auto-Owners or State Farm agent. These agents are unable to place coverage with different providers, so it’s a take it or leave it situation.

Opting to purchase car insurance direct means you skip an independent or exclusive agent and buy direct either online or via phone. Shopping direct can be good for drivers who do not have a lot of assets and have an above average understanding of how their policy works.

Out of those three methods, which one works best for finding cheap car insurance for Uber drivers in Kansas? We wish we could say buying from a direct company yields the cheapest rates since there is no need to pay agent commissions, but that does not always hold true. A valid argument could also be made that an independent agency is the best way to go since they can provide multiple quotes, but that assumption is not true either. In many circumstances, exclusive agents may have very competitive prices that are the cheapest in Kansas.

Because there is so much variation in car insurance prices, really the only way to make sure you’re not overpaying for car insurance is to get quotes and compare the rates. If time allows, get quotes from all three types to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.