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Using Promiga for your Kansas Auto Insurance Quotes

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The rising popularity of price comparison shopping has led to a series of dedicated websites offering online auto insurance quotes from an increasing range of different providers. All of these sites seem to market themselves in much the same way and the main sales pitch usually centers on the promise of cheap auto insurance policies. Thankfully, most consumers in Kansas are fully aware that discounted coverage isn’t the be-all-and-end-all of purchasing car insurance. Equally as important is finding a policy that meets your own personal requirements coupled with reliable customer service and an easy claims process should a road traffic accident actually occur.

At Promiga Auto Insurance Quotes, we can provide promises on every single one of these issues in total confidence. We work in direct partnership with a series of A-rated car insurance companies to bring our visitors the best possible coverage at the best possible price. Every one of our auto insurance providers is renowned for providing competitive premiums without compromising on coverage quality.

By providing a Kansas ZIP code, motorists can enjoy a series of comparative auto insurance quotes within a few short minutes and Promiga will never ask you for personal information that could be needlessly passed on to mailing list compilers. When you apply for an auto insurance quote with Promiga, that’s exactly what you’ll get! There will be no unsolicited junk mail or unwanted telephone calls from us or any other third party companies. Best of all, in a time where every dollar counts, Promiga specialize in only providing free auto insurance quotes. There are never any charges for our services and we never take commissions directly from site visitors.

Minimum Requirements

One of the most important aspects of our online auto insurance quotes is coverage detail. All of our providers are licensed to operate within the state of Kansas and can offer policies that fulfill the minimum mandatory state requirements. Furthermore, there are a wide range of different add-ons available that can boost your coverage and help to produce the perfect policy. The minimum mandatory auto insurance requirements in Kansas are determined as follows

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability
  • $25,000 worth of uninsured/underinsured motorist protection per person
  • $50,000 worth of uninsured/underinsured motorist protection per accident
  • Personal injury protection

Personal injury protection must also be purchased to meet the minimum levels required by law and these are specified as follows:

  • $4,500 per person for medical fees and expenses
  • $900 per month for a full one year period to cover loss of earnings and disability
  • $25 per day for in-home services
  • $2,000 for funeral, cremation and burial expenses
  • $4,500 for rehabilitation expenses
  • $900 per month for a full one year period to cover loss of earnings and disability as survivor benefits
  • $25 per day for in-home services as survivor benefits

It is important to note that an auto insurance policy cannot be sold in Kansas unless the minimum mandatory requirements are in place. Promiga Auto Insurance Quotes only use premium-rated carriers who specialize in providing basic levels of car insurance for residents of Kansas.

Coverage Types

The state of Kansas has a number of mandatory requirements that related to online auto insurance purchases and understanding the type of protection that each policy addition provides can help motorists tailor their car insurance quotes to build a policy that is ideal for their personal circumstances and the type of vehicle they are driving. Mandatory coverage types are best outlined as follows:

Bodily Injury Liability – Bodily injury liability covers the cost of medical treatment, rehabilitation, funeral expenses and loss of earnings for third parties involved in an accident where the policyholder is deemed to be at fault. Bodily injury liability will also help to cover the cost of legal fees and settlements in the event of a subsequent lawsuit.

Property Damage Liability – Property damage liability covers the cost of repairs and replacement to an equal cash value of any third party property damage in a road traffic accident where the policyholder is deemed to be at fault. Legal expenses will also be covered by this policy addition.

Personal Injury Protection – Personal injury protection covers the cost of medical treatment, rehabilitation, funeral expenses, loss of earnings and in-home assistance for the policyholder and any other person travelling in their vehicle at the time of a road traffic accident. Under most circumstances, vehicle owners collect personal injury payments under the terms and conditions of their own auto insurance policies.

Uninsured/Underinsured Motorist Protection – Uninsured and underinsured motorist protection covers the cost of medical treatment, rehabilitation, funeral expenses and loss of earnings for the policyholder and any other person travelling in their vehicle at the time of a road traffic accident where an uninsured or underinsured motorist is deemed to be at fault. Protection will also cover the cost of legal expenses accrued during any legal action taken against an at-fault uninsured or underinsured motorist.

Collision Coverage – Collision coverage covers the cost of repairs or replacement to an equal cash value of any personal property damaged in a road traffic accident where the policyholder is deemed to be at fault.

Comprehensive Coverage – Comprehensive coverage covers the cost of repairs or replacement to an equal cash value of any personal property damaged outside of typical accident collisions. This can include damage caused by theft, vandalism or acts of God such as hail or flooding.

How do our Providers determine your Auto Insurance Rates?

When you purchase your policy through Promiga Auto Insurance Quotes, the company that you deal with will underwrite the policy based on the information you provide. Age, gender credit record, driving history and the type of vehicle being driven will all have an impact on your auto insurance rates. It should always be remembered that a policy application does not necessarily equate to a guarantee of coverage being issued and some motorists with DUI or DWI convictions may find auto insurance quotes more difficult to come by.

Once the policy has been underwritten, motorists in Kansas will usually be offered coverage based on their placement in specific categories. These categories are used to establish the type of risk an individual road user presents and these are usually defined as follows:

Preferred – The ‘Preferred’ category is available for motorists who present the least level of risk. Usually, road users over the age of 25 with a clean driving history will be placed in this group. Preferred drivers are considered to be one of the safest groups of all.

Standard – The ‘Standard’ category is available for motorists who present a moderate level of risk. Auto insurance rates in this group will be higher than those set in the preferred category and motorists with family vehicles and minimal entries on their driving records will be usually classed as a standard risk.

Non-Standard – The ‘Non-Standard’ category is available for motorists who present a high level of risk. Motorists in this particular group will have to pay the highest auto insurance rates of all and typically, they will have an extensive number of accident claims, DUI/DWI convictions or poor payment histories. Young drivers (25 and under) will almost inevitably be placed in this category even if they have a clean driving record.

Recommended Levels of Auto Insurance

The recommended levels of auto insurance should never be confused with the minimum mandatory levels of coverage needed to drive on the roads of Kansas legally. Although a basic policy will cover most accidents of low-to-medium impact, it might not be sufficient in at-fault accidents where serious injuries or damage to property are sustained by third parties. Wherever it is affordable to do so, it is recommended that motorists in Kansas purchase the following levels of coverage:

  • $100,000 worth of bodily injury liability per person
  • $300,000 worth of bodily injury liability per accident
  • $50,000 worth of property damage liability
  • $25,000 worth of uninsured/underinsured motorist protection per person
  • $50,000 worth of uninsured/underinsured motorist protection per accident
  • Personal injury protection

These are the most common benefit plans sold within the state of Kansas and are defined in relation to the principal vehicle operator who drives the vehicle for the majority of the time.

How to Lower your Premium

Motorists in Kansas can take a series of steps to lower their auto insurance premiums. At Promiga Auto Insurance Quotes, we firmly believe that proactive action and preventative measures should be the key to cheaper policies and all of the following examples should be considered as a means of reducing coverage costs:

  • Always obtain multiple quotes and compare them to optimize auto insurance coverage and price
  • Maintain an incident-free driving record
  • Increase deductible costs to the highest affordable level wherever possible
  • Only purchase liability coverage on vehicles with a market value of $3,000 or less
  • Always try to make premium payments in advance of the due date to establish greater levels of trust with your auto insurance carrier
  • Be prepared to review coverage regularly and upgrade whenever it becomes cost-effective to do so
  • Add young drivers to an existing policy as occasional drivers on the least expensive vehicle within a household
  • Only place young drivers on their own policy if they actually own the vehicle concerned as a means of qualifying for multi-car discounts
  • Encourage young drivers within a household to maintain good grades at school and to take part in an advanced driving course to improve skills
  • Avoid high performance cars and vehicles fitted with a turbo engine
  • Older drivers should take a defensive driving course to qualify for discounts
  • Ensure vehicles are kept in a safe overnight location
  • Fit vehicles with the latest anti-theft and safety devices to secure discounts of up to 15%

By taking appropriate action at the earliest possible opportunity, road users in Kansas can easily make significant savings on their online auto insurance quotes.

Recognized Discounts

Most auto insurance companies will issue automatic discounts based on the information you provide during a policy application. However, there are still a significant number of carriers who try to avoid issuing reductions as a means of maximizing their profits. By being aware of key areas where discounts can apply, motorists in Kansas are advised to ask for reductions if they feel that they are not being offered during an original policy application. There are many different discounts to be aware of:

  • A multi-car discount should be applied if there are two or more vehicles on a policy
  • Discounts should apply if a motorist has taken a defensive driving course
  • Drivers under the age of 25 with good student grades should qualify for a reduction
  • Mature drivers who spend less time on the road after retiring from work and have less need for frequent vehicle use are also eligible for discounts
  • Airbags, anti-lock brakes and additional seatbelts all reduce the chances of serious injury in the event of an accident and should qualify for lower auto insurance quotes
  • Immobilizers, security-etched windows and GPS satellite tracking systems qualify for reductions as they lower the chances of theft
  • Reduced mileage is a great way of seeing your car insurance premiums lowered
  • Opting to take part in a car pooling scheme with friends or work colleagues will usually see a policyholder qualifying for additional discounts
  • Maintaining an accident-free record and avoiding excessive claims will always be looked upon favorably by your auto insurance carrier
  • Avoid traffic violations, speeding tickets and DUI/DWI offences to maintain a good driving history
  • Bundle all of your other insurance requirements with the same company to qualify for huge discounts

At Promiga Auto Insurance quotes, all of our A-rated providers will recognize your commitment to safe and responsible driving and will reward your efforts with significantly lower premiums that can literally save you hundreds of dollars throughout the duration of a valid policy period.

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