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Phone
316-265-3181
Locations
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502
Vehicle owners in Kansas face several risks on the road that could be financially devastating without proper auto insurance coverage. These risks include:
To protect against these risks, Kansas requires all drivers to purchase auto insurance. Buying the right amount of coverage can be difficult, so it's important to understand all the options available.
The cost of auto insurance in Kansas can vary depending on several factors. These factors include:
Full coverage auto insurance in Kansas costs $1,878 annually, with minimum coverage costing $416 per year. These costs may vary significantly depending on the factors listed above. Shopping around and comparing rates can help you find the right policy for your needs.
If you are looking for the best auto insurance coverage in Kansas, look no further than WINN Insurance Group. We understand that having the right car insurance can be a confusing and stressful process. That's why we are here to help you every step of the way.
With our knowledgeable agents and wide selection of policies, we will work with you to find an affordable policy that meets your needs. Whether you need full coverage or minimum liability, we'll make sure you get the protection you need while saving money on your premiums.
Contact us today for more information about our auto insurance policies. We look forward to hearing from you!
Having the right auto insurance coverage in Kansas is essential to protecting yourself, your vehicle, and others. Understanding the various types of coverage available can help you make an informed decision about which policy best fits your needs. There are six main types of car insurance coverage:
Bodily injury liability coverage protects you financially if another individual gets injured or killed in an accident caused by you. It covers medical expenses, legal fees, and any other compensation they may be entitled to. This type of coverage is mandatory in Kansas as it helps ensure that the costs associated with an accident are taken care of.
Property damage liability coverage helps cover repairs and replacement costs for property damaged due to an accident caused by you. This could include items such as another vehicle, a telephone pole, a building façade, or fences. This is also mandatory in Kansas and can help alleviate some of the financial burden from an unexpected accident.
Uninsured/underinsured motorist coverage helps protect you if you’re in an accident caused by a driver who either doesn’t have insurance or does not have enough to cover the damages. This type of coverage also includes medical payments for both you and your passengers. In Kansas, this is an optional coverage that should be carefully considered.
Collision coverage helps pay for repairs to your vehicle due to an accident with another car or object. It can also provide reimbursement if your car is totaled due to the accident.
While this type of coverage is optional, it’s strongly recommended as most other policies don’t cover damages caused by accidents. Without it, you’d be responsible for the full cost of repairs.
Comprehensive coverage helps cover damages to your car due to unforeseen events such as theft, fire, hail or vandalism. It also covers broken windshields and other glass damage. This is an optional coverage but can provide important financial protection if something unexpected occurs.
Personal Injury Protection (PIP) is also known as no-fault insurance. It helps cover medical expenses, lost wages, and funeral costs for you and your passengers due to an auto accident, regardless of who caused it. In Kansas, this type of coverage is required for all drivers.
In Kansas, it is mandatory for all car insurance policies to include certain minimum coverages. These coverages include:
The minimum required liability coverage amounts are:
The minimum PIP coverage required by law includes:
This coverage provides disability or loss of income benefits to the survivors of a deceased person involved in an accident. The minimum survivor benefits required are:
The minimum required uninsured/underinsured coverage amounts are:
Most auto insurance policies have some exclusions or circumstances when they will not cover certain losses. Common exclusions include:
These common exclusions may vary depending on the type of policy and coverage you purchase, but it is important to understand exactly what is excluded from a policy before signing up for one.
Kansas drivers can take advantage of various auto insurance discounts to save on their premiums. Many insurers offer a variety of discount programs and incentives that can help reduce monthly payments. Commonly available discounts include:
It’s important to discuss your options with an experienced Kansas auto insurance agent before purchasing a policy so that you can take advantage of all available discounts. Understanding which discounts apply to you can help reduce your monthly payments and make driving more affordable.
WINN Insurance Group is an independent insurance agency that specializes in finding the right auto insurance policy for you. We offer free quotes and personalized service to help you find the best policy for your needs.
Contact us today if you have any questions about Kansas auto insurance or would like to start comparing rates. Our experienced agents will take the time to explain all available options and help you make an informed decision on your coverage.
We look forward to helping you protect yourself on the road.
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502