Car Insurance in Overland Park, Kansas
When you need auto insurance in Overland Park, you need to go to Hubbard Insurance. We’ve helped thousands of Kansas residents find the best auto insurance that fits their budget and personal needs. Our car insurance clients keep coming back because they are fully satisfied with our expertise. We have unmatched skill in the insurance industry and find a great policy for just about everyone.
You can put your mind at ease when you have the right car insurance, as you know that you are covered in case you get in an accident. You’ll have confidence that an auto accident won’t deplete your life savings or destroy your busy schedule. Hubbard auto insurance gives you the assurance that you’ll be covered if something was to happen.
Auto Insurance – What are Your Options?
Choosing the right type of auto insurance for you can get very confusing. Most people do know all the different types of insurance that are available and which types of insurance best suit their individual family dynamics and driving needs. The agents at Hubbard Insurance are experience and certified with all types of car insurance policies and use that knowledge to help you decide which policy is best for your individual needs.
The types of car insurance coverage in Overland Park are:
- Bodily Injury Protection
- Personal Injury Protection
- Property Damage Reliability
- Uninsured Motorist Property Damage
- Uninsured Motorist Bodily Injury
- Rental Car Reimbursement
- Towing & Labor
All of the options are explained by our expert auto insurance agents.
Auto Discounts – How do you get the cheapest car insurance?
It is important for you to check with your agent to see which discounts are available. Auto insurance companies are continuously amending their offerings and those new policies could save you significant money. The most typical types of car insurance discounts in Overland Park, Kansas are the safe driver discount, multi-policy discount, multi-car discount, senior discount, and the good student discount.
Kansas Laws for Insurance Coverage
One of the key parts about choosing an insurance company is to find one that has policies designed specifically for your state. At Hubbard Insurance, our car insurance experts study Kansas insurance laws diligently. We stay informed of any significant changes or options to make certain our customers are covered according to the law if something were to happen.
Kansas State Minimums for Liability Coverage
In Kansas, a driver must have in their policy at least $10,000 for property damage expenses, $25,000 for bodily injury for one person, and $50,000 for bodily injuries to persons (per accident).
Kansas State Minimums for Underinsured/Uninsured Motorist
In nearly every state, there are rules that require drivers to have underinsured/uninsured coverage for their auto insurance policy. This protects them if they had a wreck caused by someone that was uninsured, or had inadequate amounts of coverage in their policy.
Overland Park Auto Insurance
We can help you find the best auto insurance in Overland Park, KS and help you get back on the road as quickly as possible if your car is destroyed or damaged by an accident, theft, fire, hail, or other event covered by your car or truck insurance policy. What’s more, your policy also protects against legal and medical expenses resulting from property damage, loss of a life, or injury caused by an accident involving your car or truck.
We know that there are a lot of car insurance companies in Overland Park to pick from and we want you to know that we’ll find you the right policy to fit your needs. We promise that we’ll diligently work to keep your costs low and your risks low, too.
Overland Park insurance premiums are pretty average as compared with the rest of the country. Average annual premiums top $2,000, much higher than the state average of just under $1,500. Why are Overland Park insurance premiums higher than the rest of the nation? Consider the following facts regarding Overland Park motorists.
- Overland Park residents commute an average of 22.6 minutes to work every day and drive an average of 35 MPH.
- There were 6 fatal car crashes in the city of Overland Park in 2011 (good for us!), which is one less than in 2010. However, the number of auto accidents in Overland Park is greater than the surrounding areas, most likely due to the suburban nature of the city.
- A total of 17 people and 9 vehicles were involved in those crashes.
- Lastly, there were 283 auto thefts in the city of Overland Park and surrounding areas in 2013! This was the lowest number of car thefts in the last 16 years.
What does all this mean to you, if you work and live in Overland Park? The occurrence, frequency or potential of an accident and/or theft has an impact on your ability to get car insurance at an affordable cost. Car accidents and thefts drive up insurance premiums. Becoming a safety-conscious driver can save you money in the long run and keep your insurance premiums low. Driving within the speed limit, wearing your safety belt and having your car equipped with airbags can save you money and save lives. Taking driving courses to keep your driving skills sharp can get you discounts on your auto insurance policy.
Being aware of where you park your car, especially at night, can reduce your chances of theft–and increased insurance costs. Your car may be inexpensive and small, but you will pay higher premiums if your car is a make and model that has a high theft rate. Overland Park insurance companies take into account the theft rate for each make and model of vehicle they insure. You may be surprised to find that the 10 most stolen vehicles in Kansas in 2013 were as follows:
- Honda Accord (53,995)
- Honda Civic (45,001)
- Chevrolet Pickup (Full Size) (27,809)
- Ford Pickup (Full Size) (26,494)
- Toyota Camry (14,420)
- Dodge Pickup (Full Size) (11,347)
- Dodge Caravan (10,911)
- Jeep Cherokee/Grand Cherokee (9,272)
- Toyota Corolla (9,010)
- Nissan Altima (8,892)
In 2012, the list was:
1 Honda Accord 1997
2 Chevrolet Pick-Up (Full Size) 1994
3 Ford Pick-Up (Full Size) 2003
4 Honda Civic 2000
5 Dodge Pick-Up (Full Size) 1998
6 Chevrolet Pick-Up (Small Size) 1996
7 Ford Taurus 1999
8 Dodge Caravan 2000
9 Dodge Intrepid 2000
10 Chevrolet Impala 2002
Lower insurance premiums are not a thing of the past once you have had a couple of accidents that landed you in the high-premium/high-risk category. If you keep your driving record clear of any further accidents and maintain timely payments and avoid cancellations or lapses in your coverage, your premiums will eventually decrease.
Get a free quote from a number of Overland Park insurance providers even if you have coverage to see if you’re paying a competitive rate, or more than you should be, especially if you’ve had your car for a while. Regardless of your situation, your insurance premiums should decrease as the value of your car depreciates. If you’ve had your car for three years, and you’re still paying the same premium, it’s time to show your insurer the quotes you got from the other companies and see what your insurer is willing to do to keep your business. If the insurer insists you’re getting the best deal, consider making a change to one of the many other Overland Park insurance agencies. Chances are your insurer will be glad to offer you a lower premium just to keep your business.