Your Free, No Obligation, Auto Insurance Quote
Let us help you by providing a free, no obligation, auto insurance quote, including various coverage options to choose from. We’ll help you identify the right insurance policy, and the best insurance company, to financially protect your car, truck, and other passenger vehicles. Call or fill out our online insurance quote request today.
Integrity Insurance Agency can help you find an auto policy that covers your needs and fits within your budget. Unlike other some other agencies, we are an Independent Insurance Agency that represents multiple insurance companies, which allows us to compare both coverage and rates, ensuring you receive the best deal possible. Another benefit to choosing an Independent Insurance Agency, is that you have an advocate that will not only help you with purchasing the best policy for your specific needs, but someone that will act as your advocate, and personally assist you through the claims process in the event you should have a loss.
Car Insurance FAQs
How much auto insurance do I need in Kansas?
The Kansas minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Kansas, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $25,000 per accident for Property Damage Liability Coverage. The minimum amounts for uninsured/underinsured motorist coverage are $25,000 per person and $50,000 per accident. Personal Injury Protection (PIP) coverage is also required.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Major Auto Insurance Coverage
There is a variety of different auto coverage options to suit different people, family situations, financial statuses and more. While Kansas state law requires certain coverages and minimum limits, most drivers should carry much higher limits to protect themselves and family should an accident take place. The primary coverages included the following:
Collision Coverage – Covers the costs of repairs or replacement of a vehicle in the event of an accident.
Comprehensive Coverage – Pays for the costs and damages associated with events such as engine fires, hail damage, hitting a deer and other damages not caused by collision.
Bodily Injury Coverage – Provides financial compensation for injuries or death due to an auto accident, within the policy’s coverage limits.
Property Damage – Reimburses for damage to property, such as another vehicle, a fence, a building, and other types of features.
Personal Injury Protection or PIP – Because Kansas is a no-fault state, you are required to carry PIP coverage to pay for initial medical costs, any resulting disability, and other related costs.
Uninsured / Underinsured Motorist – Offers added protection and much higher limits to pay for medical expenses, disability, and other related expenses should you have an accident with another driver who is uninsured or underinsured.
Auto Insurance Discounts
Everyone loves discounts, and we have a number of them that will help you save money on your car insurance premiums. Depending on your unique situation. Some potential discounts offered by Integrity include:
- Multi-Car Discount – Insure more vehicles on one policy for combined savings.
- Good Driver Discount – Earn rewards for having no accidents or moving violations.
- Good Student Discount – As and Bs in school can be worth dollars and cents when it comes to your insurance premiums.
- Paid in Full Discount – Rather than paying for your insurance in installments, pay it all at once and save even more money!
Bundle Your Policies for Auto Insurance Savings
One of the most common discounts is a multi-policy discount. When you purchase your auto insurance from the same company as your other policies, such as your home, renters, motorcycle, or RV policy, you will receive a substantial discount of up to 25% or more! Be sure to ask us to quote all of your policies to maximize your savings.
