Who Has the Cheapest Car Insurance Quotes for Homeowners in Kansas?

This would be a much shorter article if we could simply tell you the exact car insurance company that has the cheapest rate quotes in Kansas. Regrettably, it’s not quite that easy, as there are many unknown aspects like if you are married, whether you have good or poor credit, and if your vehicle is considered high performance, that all have an effect on the price of a policy. We will attempt to cover the different ways to avoid overpaying and will hopefully give you a good start in finding the cheapest insurance in Kansas.

One of the more important factors used to establish the amount you pay for auto insurance is where you choose to live. Areas with more people or even just a higher incidence of claims like Dodge City, Kansas City, and Great Bend likely pay more, whereas areas with less congestion benefit from lower coverage costs.

The illustration below rates the highest-priced places in Kansas for homeowners to buy auto insurance in.

Price information shown is estimated as the specific Kansas residence address can decrease or increase prices significantly.

Comparing rates for reasonably-priced insurance is hard enough, and figuring out which insurers offer the lowest-priced auto insurance rates for homeowners calls for even more diligence. Insurance premiums could be somewhat lower-priced than the average policy in Kansas because of the potential for less claims related to offering insurance for people who own their homes. Competitively-priced insurance should be achievable from a lot of good insurance companies.
Every auto insurer has their own guidelines for filing rates in each state, so we need to take a look at the overall cheapest auto insurance companies in Kansas.

Keep in mind that Kansas auto insurance rates are determined by lots of factors that can increase the price you pay for coverage. Simply turning a year older, buying a safer car, or getting into an accident can cause premium changes that may make certain companies more expensive than competitors.

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USAA may offer some of the most affordable car insurance rates in Kansas at around $743 annually. The Hartford, Travelers, Auto-Owners, and Allied also rank well as some of the lowest-priced Kansas car insurance companies.

In the above rates, if you are insured with Allied and switched to The Hartford, you might achieve a yearly savings of about $267. Kansas drivers with Farmers could save as much as $344 a year, and Farm Bureau Mutual insureds might see rate reductions of $368 a year.

To see how much you can save, click here to start a quote or click several companies below for low rates.

Remember that these premium estimates are averages across all drivers and vehicles in Kansas and do not factor in a rate discount for homeowners. So the insurer that fits your situation best may not even be featured in the list above. That points out the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Impact of careless driving on Kansas auto insurance rates

The ideal way to obtain good auto insurance rates in Kansas for people who own their homes is to drive attentively and not get tickets or have accidents. The example below shows how speeding tickets and accidents can affect premium costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

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’, 2819,3353,3891],[‘Age 30’, 1465,2005,2543],[‘Age 40’, 1451,1991,2527],[‘Age 50’, 1321,1859,2393],[‘Age 60’, 1275,1815,2349],[‘Age 70’, 1545,2081,2619]]);var options = {title: ‘Effect of Violations and Accidents on Kansas Auto Insurance Cost’,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);}

In the chart above, the average cost of an auto insurance policy in Kansas per year with no accidents or violations is $1,646. Receive two speeding tickets and the average cost jumps to $2,184, an increase of $538 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for homeowners increases to an average of $2,720. That’s an increase of $1,074, or $90 per month, just for not driving carefully!

Discounts on the cheapest car insurance for homeowners in Kansas

Auto insurance companies that offer cheap quotes for homeowners could also offer premium discounts that may potentially lower prices by as much as 35% if you qualify. A few of the larger companies and their possible discounts are:

• State Farm offers discounts including student away at school, driver’s education, good driver, accident-free, multiple policy, and multiple autos.
• GEICO may include discounts for military active duty, good student, multi-vehicle, emergency military deployment, daytime running lights, and seat belt use.
• Progressive offers discounts for multi-vehicle, continuous coverage, online quote discount, multi-policy, homeowner, and good student.
• 21st Century may have discounts that include defensive driver, student driver, good student, driver training, early bird, teen driver, and anti-lock brakes.
• American Family has discounts for good student, good driver, accident-free, defensive driver, bundled insurance, and multi-vehicle.
• The Hartford discounts include defensive driver, good student, anti-theft, bundle, air bag, and driver training.
• AAA offers premium reductions for multi-car, good driver, pay-in-full, education and occupation, multi-policy, and good student.

The chart below compares premium costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims, a clean driving record, Kansas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, safe-driver, multiple policy, vehicle safety, homeowner, and multiple vehicle discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for homeowners is 28% or $362.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2225,1595],[‘Age 30’, 1167,847],[‘Age 40’, 1141,829],[‘Age 50’, 1045,759],[‘Age 60’, 1011,733],[‘Age 70’, 1251,905]]);var options = {title: ‘Effect of Discounts on Insurance Price for Homeowners’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who has the cheapest insurance quotes for people who own their homes?

You have many ways to comparison shop for auto insurance in Kansas, but the most popular are through an independent agent, an exlusive agent such as State Farm or Allstate, or from a direct company like Progressive or Geico. Each way is similar, but auto insurance shoppers should know the differences in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from all of them. These types of agents are not employed by only one company and can provide you with more rate quotes, which can give you the best chance of finding a lower price. If you want to switch companies, your agent can just switch to a different company which prevents you from having to find an new insurance agent.

An exclusive agent is only able to write with one insurance company like State Farm and Auto-Owners agents. Exclusive agents cannot quote rates from more than one company, so if rates are not competitive, they cannot shop around.

If you buy direct, you skip the middleman (the agent) and buy direct from companies such as Geico or Progressive. This auto insurance option can be a good choice for people who do not need complex risk management and have a decent understanding of what auto insurance covers and what it doesn’t.

So which one of the three ways works best for finding the cheapest car insurance for homeowners in Kansas? It would be obvious to point out buying direct saves money since there is no need to pay agent commissions, but unfortunately, that is not the case. It could also be said going through an independent agent is the best way to save due to having more companies to select from, but again, it’s not necessarily true. In some circumstances, exclusive agencies may have very competitive prices that other auto insurance companies cannot touch.

Because of the variability of auto insurance rates, the best way to get the cheapest rates is to get as many comparison quotes as possible. If you have the time, get price quotes from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.