Paying for expensive car insurance in Lenexa can sap your family's budget and put a big crunch on your finances.
Sad but true, nearly 70% of consumers have remained with the same car insurance company for a minimum of four years, and approximately 38% of consumers have never even compared rates from other companies. Lenexa consumers could save 55% a year, but they won't spend time to compare rates online. Online insurance companies like Progressive, State Farm and GEICO all claim big savings with ad campaigns and it is difficult to ignore the flashy ads and find the best price available.
If you have coverage now or just want a better rate, you can learn to find better prices while maximizing coverage. Locating the best rates in Lenexa is much easier if you know where to start. Vehicle owners just need to know the proper way to find the lowest price online.
The method we recommend to compare car insurance company rates is to know most of the larger companies have advanced systems to give you rate quotes. The one thing you need to do is give them some information such as what your job is, if you are currently licensed, if you're married, and how many miles driven. Your rating data is sent automatically to multiple companies and they return rate quotes almost instantly.
To compare rates for your car now, click here and find out if you can get cheaper insurance in Lenexa.
The following companies have been selected to offer free rate quotes in Lenexa, KS. If multiple companies are shown, we recommend you compare several of them in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS AWD||$1,018||$509||$85|
|Chevrolet Silverado LTZ Crew Cab 4WD||$940||$470||$78|
|Dodge Ram Crew Cab Laramie 4WD||$1,070||$535||$89|
|Ford Edge SE AWD||$990||$495||$83|
|Ford Escape XLT 4WD||$824||$412||$69|
|Ford Explorer Eddie Bauer 2WD||$914||$457||$76|
|Ford F-150 XLT Super Cab 2WD||$930||$465||$78|
|Ford Focus SE 2-Dr Coupe||$948||$474||$79|
|Honda Accord LX 4-Dr Sedan||$650||$325||$54|
|Honda CR-V EX 2WD||$1,038||$519||$87|
|Honda Civic LX 2-Dr Coupe||$1,104||$552||$92|
|Hyundai Elantra GLS 4-Dr Sedan||$900||$450||$75|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$816||$408||$68|
|Nissan Altima 2.5 4-Dr Sedan||$1,016||$508||$85|
|Nissan Rogue SL 2WD||$894||$447||$75|
|Toyota Camry LE||$758||$379||$63|
|Toyota Corolla XLE||$1,214||$607||$101|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can influence rates substantially.
Auto insurance rates based on gender in Lenexa
The diagram below illustrates the comparison of car insurance costs for male and female drivers in Lenexa. The prices are based on no claims or violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied on a Chevrolet Tahoe LTZ.
Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Physical damage deductible comparison
When buying auto insurance, a common question is how low should you set your deductibles. The comparison tables below can help show how much more you'll pay of buying low and high comp and collision deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$222||$306||$286||$16||$86||$941||$78|
|Pilot EX 2WD||$250||$306||$286||$16||$86||$969||$81|
|Pilot EX 4WD||$250||$306||$286||$16||$86||$969||$81|
|Pilot EX-L 2WD||$250||$372||$286||$16||$86||$1,035||$86|
|Pilot EX-L 4WD||$250||$372||$286||$16||$86||$1,035||$86|
|Pilot Touring 2WD||$250||$372||$286||$16||$86||$1,035||$86|
|Pilot Touring 4WD||$250||$372||$286||$16||$86||$1,035||$86|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$136||$192||$286||$16||$86||$716||$60|
|Pilot EX 2WD||$154||$192||$286||$16||$86||$734||$61|
|Pilot EX 4WD||$154||$192||$286||$16||$86||$734||$61|
|Pilot EX-L 2WD||$154||$234||$286||$16||$86||$776||$65|
|Pilot EX-L 4WD||$154||$234||$286||$16||$86||$776||$65|
|Pilot Touring 2WD||$154||$234||$286||$16||$86||$776||$65|
|Pilot Touring 4WD||$154||$234||$286||$16||$86||$776||$65|
|Get a Quote for Your Vehicle Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in garaging location in Lenexa which can decrease or increase coverage prices significantly.
We can estimate from the data above that using a $250 deductible costs an average of $20 more each month or $240 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 38 months between claim filings, you would save money if you decide on a higher deductible.
Cautious drivers save money
The example below highlights how speeding tickets and at-fault collisions raise Honda Accord insurance premiums for each different age category. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance is not optional
Even though it's not necessarily cheap to insure a vehicle in Lenexa, buying auto insurance may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage in order to drive the car legally. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank or lender will purchase a policy for your vehicle at a more expensive rate and require you to pay for it.
- Auto insurance protects not only your vehicle but also your financial assets. It will also reimburse you for many types of medical costs for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. But the average American driver is currently overpaying as much as $810 a year so shop around each time the policy renews to ensure rates are competitive.
Save a ton with these nine discounts
Car insurance can cost a lot, but there could be significant discounts to help bring down the price. Many discounts should be triggered when you quote, but some must be inquired about before you will receive the discount.
- Low Mileage Discounts - Fewer annual miles could be rewarded with lower prices due to less chance of an accident.
- Memberships - Joining a qualifying organization could qualify you for a break on car insurance.
- Discount for Good Grades - Excelling in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
- Include Life Insurance and Save - Not all car insurance companies offer life insurance, but some may give you better premium rates if you take out life insurance from them.
- Defensive Driver Discounts - Completing a safe driver course is a good idea and can lower rates and easily recoup the cost of the course.
- E-sign - A few larger online companies will provide an incentive shop Lenexa auto insurance on your computer.
- Pay Early and Save - By making one initial payment instead of paying each month you can actually save on your bill.
- Safety Restraint Discount - Forcing all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- New Car Discount - Insuring a new car is cheaper since newer models have better safety ratings.
You can save money using discounts, but some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn't be very happy.
Companies that have these money-saving discounts include:
When quoting, ask every company to give you their best rates. All car insurance discounts may not be available in your state. To locate insurance companies that have a full spectrum of discounts in Lenexa, click this link.
You may need help from an insurance agent
A small number of people just want to sit down with an agent and that is not a bad decision Experienced insurance agents are trained risk managers and give you someone to call. A good thing about comparing rates online is that you can find better rates and still have a local agent.
Upon completion of this quick form, your insurance coverage information is emailed to insurance agents in Lenexa that can give you free Lenexa auto insurance quotes for your insurance coverage. You won't even need to contact any insurance agencies since rate quotes are delivered to you instantly. If you wish to quote rates from a specific insurance company, just jump over to their website and complete a quote there.
Choosing the best insurer requires more thought than just a low price. Ask your prospective agent these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Do they assist clients in filing claims?
- What is the agency's Better Business Bureau rating?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the company have a local claim office in Lenexa?
- Do they specialize in personal lines auto insurance in Lenexa?
If you receive positive responses to these questions as well as offering an affordable quote, you may have found an insurer that can be trusted to insure your vehicles.
Will just any policy work for me?
Always remember that when buying the best auto insurance coverage, there isn't really a best way to insure your cars. Everyone's needs are different.
For instance, these questions might point out if your situation could use an agent's help.
- What if I owe more than I can insure my car for?
- Who sells insurance for high-risk drivers?
- Does my car insurance cover rental cars?
- Does insurance cover tools stolen from my truck?
- What is GAP insurance?
- Why am I required to buy liability insurance?
- Which companies will insure me after a DUI?
- Is a fancy paint job covered?
If you're not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
The coverage is in the details
Knowing the specifics of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, theft, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle's damage.
Because many people have only the minimum liability required by law (which is 25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Auto liability insurance
Liability coverage will cover injuries or damage you cause to other's property or people. It protects you against other people's claims, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/10 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims such as emergency aid, medical services, structural damage, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Kansas state minimum liability requirements are 25/50/10 but you should consider buying more liability than the minimum.
This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Keep this in mind when shopping around
Insureds who switch companies do it for many reasons like high rates after DUI convictions, high prices, lack of trust in their agent and being labeled a high risk driver. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.
When shopping online for car insurance, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut collision coverage and learned later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.
Lower-priced car insurance in Lenexa can be found online and from local agencies, so you need to quote Lenexa auto insurance with both to get a complete price analysis. A few companies may not have rates over the internet and most of the time these small, regional companies work with independent agents.
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Kansas Auto Insurance for a School Permit? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in Kansas? (FAQ)
- What is the Best Auto Insurance in Derby, Kansas? (FAQ)
- What is the Cheapest Car Insurance in Olathe, Kansas? (FAQ)
- Vehicle Insurance (Wikipedia)
- Auto Theft Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)