Cheap Car Insurance - Topeka, Kansas
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Topeka—Seat of Shawnee County and the state capital of Kansas. Throughout its history, this metro area of more than 230,000 has served as a hub for transportation, including stagecoach, railroad, river and interstate movement. It is a vital commercial center in the Sunflower State.
Drivers in the area have to cope with a significant highway system. This leads to an increased chance of encountering congestion, hazardous driving and accident risks. Residents of T-Town will need adequate car insurance to protect themselves on the road. Action Insurance Agency wants to be your hometown resource for getting the appropriate coverage.
Why Do Topeka Residents Need Car Insurance?
When it comes to having auto insurance, every driver can benefit. Accidents might lead to vehicle, property or other types of damage. Or worse, you might injure (or even kill) yourself or others. Every wreck has the potential to cause significant harm for victims—including financial depletion.
In 2016, the Kansas Department of Transportation recorded that Topeka had 3,696 crashes, while Shawnee County had 4,493. That’s a lot of chances for physical and monetary loss. However, it doesn’t have to be. With appropriate car insurance, you can pay for personal vehicle repairs and medical bills. You can also use your policy to compensate third parties you might harm in the accident.
Kansas Insurance Requirements
The State of Kansas understands the impact that a vehicle accident might have on those involved. State law requires most drivers to carry car insurance valued at:
Topeka, Kansas Liability coverage
- $25,000/person for bodily injury
- $50,000/accident for bodily injury
- $25,000/accident for property damage
Topeka, Kansas Personal injury protection (PIP or No Fault)
- $4,500/person for medical expenses
- $900/month for one year for disability/loss of income
- $25/day for in-home services
- $2,000 for funeral, burial or cremation expenses
- $4,500 for rehabilitation expenses
- Survivor Benefits:
- Disability/loss of income up to $900/month for one year
- In-home services up to $25/day for one year
Topeka, Kansas Uninsured/Underinsured Coverage
Going without the required coverage might lead to various penalties. Kansas operates as a type of hybrid no-fault state. Drivers can use their own PIP and uninsured/under-insured protection to cover damage or injuries sustained in an accident, regardless of who was at fault. However, drivers still have the ability to file a claim or sue other at-fault drivers for access to their existing liability coverage.
Kansas Car Insurance That’s Right for You
We understand that every Topeka driver will need uniquely-tailored car insurance. For example, most drivers need higher liability limits than the state’s minimums. Furthermore, you might want to add comprehensive coverage, collision protection, roadside assistance or other forms of insurance to your policy. Additional coverage can help you better protect your financial risks in case of an accident.
Getting extensive coverage doesn’t mean you have to break the bank. Topeka’s average car insurance rate is around $1,230, and we can make that premium work for you. Action Insurance’s agents will compare the policy options of multiple insurers to make sure you get the most affordable rate based on the coverage you select.
We love people, and we love insurance. We’ve got the know-how to help Topeka Residents enroll in car insurance. The correct protection will make all the difference for being a safe driver.
So, what are you waiting for? Contact Action Insurance Agency right now. You can reach us over the phone at 785.433.5040 or by filling out one of our online forms!
Don't forget we also offer: Home Insurance, Business Insurance, Motorcycle Insurance and Renters Insurance