Car Insurance in Prairie Village, KS

Anyone can be involved in a car crash. That is why vehicle owners in Prairie Village need to have car insurance. A good auto insurance policy can save you from significant financial losses in situations ranging from high-speed collisions on the highway to fender benders in a parking lot.

Finding the best and most affordable auto insurance is easy when you work with a local independent agent. These agents can help you obtain and compare customized quotes from some of the area’s most highly rated car insurance companies. Contact an independent insurance agent near you to learn more.

How Much Does Car Insurance Cost in Prairie Village, KS?

The good news for residents of Prairie Village is that insurance rates in Kansas tend to be on the lower side.

• National average annual car insurance cost: $1,311
• Kansas average annual car insurance cost: $1,147

Of course, average rates can only give you a general idea of what you might be expected to pay. Car insurance costs can vary from one driver to the next because they are based on several factors such as:

• The make, model, year, and condition of the vehicle(s) you are insuring
• Your age, occupation, and driving record
• Information about the other licensed drivers in your household
• Whether you own or rent your home
• The amount of liability coverage you are purchasing
• The coverage options you want to include in your policy
• The size of your deductible

Most insurance companies offer significant rate reductions if you bundle your car insurance with other policies like homeowners insurance or renters insurance. There are usually other car insurance discounts available, such as lower rates for safe drivers, good students, and members of the armed services.

Independent agents can ensure that you receive any available discounts for which you qualify and that you are getting your policy at a competitive price.

Is Car Insurance Required in Prairie Village, Kansas?

Kansas is a no-fault state, so if you or your passengers are injured in a collision, your car insurance will provide the first line of coverage for your injuries, regardless of who was at fault.

No matter where you live in Kansas, if you own a vehicle, you are required to have a car insurance policy that includes the following:

• Personal injury protection insurance (PIP): This pays for medical treatment and other related costs if you or your passengers are injured in a collision, regardless of fault. Your policy must include, at a minimum:
  • $4,500 in medical expenses coverage per person
  • $900 a month in lost income coverage for up to one year
  • $25 a day in at-home services coverage
  • $4,500 in rehabilitation expense coverage per person
  • $2,000 in funeral expense coverage per person
• Liability insurance: This pays for other people’s property damage and any medical bills and lost wages that go beyond what their PIP coverage can pay for if you are at fault for a collision. Your policy must include, at a minimum:
  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident
• Uninsured motorist insurance: This pays medical bills for you and your passengers if you are injured in a collision caused by an uninsured driver. Your policy must include, at a minimum:
  • $25,000 in UIM bodily injury coverage per person
  • $50,000 in UIM bodily injury coverage per accident

A local independent agent can ensure that your policy meets or exceeds the minimum coverage requirements set by the state of Kansas.

What Else Can Prairie Village, KS Car Insurance Cover?

In addition to the mandatory coverage mentioned above, your car insurance provider will offer optional coverage. You may want to include some of the following options in your car insurance policy.

• Physical damage insurance: This covers damage to your own vehicle. Though not required by law, it is typically required by lenders if you are still paying for your car and by dealerships if you are leasing it. Physical damage coverage includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Roadside assistance and towing insurance: This covers service costs if your car breaks down, such as if your engine overheats or you get a flat tire.
• Gap insurance: This can pay off your car loan if your vehicle is totaled in a covered event. It is usually only beneficial during the first year or two of new car ownership when your vehicle’s assessed value depreciates the fastest.
• Glass replacement insurance: This covers the cost to replace the safety glass in your car’s windshield or windows if it is cracked or shattered. This coverage typically kicks in with no deductible.
• Rental car reimbursement insurance: This covers the cost to rent a car while yours is being repaired for damage sustained in a covered event.
• Umbrella insurance: This is usually a policy you purchase in addition to your car insurance. It enables you to affordably obtain liability coverage at levels higher than your car insurance can provide.

Reviewing coverage details and costs can help you determine which of the coverage options available to you are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Prairie Village, KS?

In Kansas, driving without insurance is a Class B misdemeanor. It can result in consequences, including:

• For a first offense:
  • A fine of $300 to $1,000
  • Possible incarceration for up to six months
  • Suspension of your license and registration until you provide proof of insurance
  • A $100 reinstatement fee to get your driving privileges back
• For a second offense:
  • A fine of $800 to $2,500
  • Incarceration for up to one year
  • Suspension of your license and registration until you provide proof of insurance
  • A $300 reinstatement fee to get your driving privileges back
• For a third or subsequent offense:
  • A fine of $800 to $2,500
  • Incarceration for one to two years
  • Revocation of your license and registration for three years
  • A $300 reinstatement fee to get your driving privileges back

Additionally, following a conviction for uninsured driving, you will need to maintain an SR-22 certificate for three years and can find yourself paying higher car insurance rates.

Despite these penalties, many motorists in this state are driving without insurance.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Kansas drivers who are uninsured: 7.2%

If you are in a collision caused by an uninsured driver, that person is responsible for compensating you and your passengers for any medical costs that exceed what your PIP insurance can cover. However, this money can often be challenging to collect.

Uninsured motorist insurance was created to ensure that you can quickly receive coverage for the treatment of your injuries without the need to go through lengthy legal channels.

Does Prairie Village Car Insurance Cover against Auto Theft?

The auto theft rate in Kansas is higher than the national rate, but in Prairie Village, the rate is lower. On average, residents of this city report 43 stolen vehicles a year.

• National auto theft rate per 1,000 vehicles: 2.29
• Kansas auto theft rate per 1,000 vehicles: 2.69
• Prairie Village auto theft rate per 1,000 vehicles: 1.87

You can only be compensated for a stolen vehicle if your car insurance policy includes comprehensive coverage. It covers more than just car theft. It also covers loss or damage caused by many other non-collision hazards like tornadoes and floods.

If you are financing or leasing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to look into how much it would cost to include this optional coverage in your Prairie Village car insurance policy.

What Are the Best Car Insurance Companies in Prairie Village, Kansas?

The most highly rated insurance companies are the ones that consistently provide their policyholders with responsive customer service, reliable coverage, and affordable rates.

Independent insurance agents have teamed up with some of the best car insurance companies in Kansas. This lets you be sure that any policies your agent recommends are offered by providers you can count on if you need to file a claim.

How Can an Independent Agent Help Me Find the Best Car Insurance in Prairie Village?

When looking for the best auto insurance to meet your coverage and budgetary needs, an independent agent in Prairie Village can help. These agents work for you, not for a particular insurance company. This means they are free to shop around to find you a suitable policy at a competitive price.

Contact an independent insurance agent near you to get more information and to start comparing customized car insurance quotes.