Best cheap car insurance quotes in Chanute
To legally hit the road, Chanute drivers need to meet Kansas’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Chanute should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Chanute
To hit the road legally, Chanute drivers must meet Kansas minimum coverage limits.
Kansas minimum liability coverage includes $25,000 in
bodily injury liability per person, $50,000 per accident, and $25,000 of
property damage liability. These coverages are commonly known as 25/50/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Chanute, KS (Zip Code: 66720)
Do you need more than minimum coverage in Chanute?
For most Chanute drivers, purchasing more liability coverage than the 25/50/25 state minimum mandated by
Kansas car insurance laws is a very good idea.
If you cause an accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the replacement cost can be more than $40,000—well above that $25,000 property damage limit.
Kansas’ car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident date.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Chanute
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision insurance.
Collision coverage covers the cost of fixing or replacing your car after an accident, while
comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the vehicle, your lending agency will typically require both collision and comprehensive coverage.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
The table below shows some recent examples of the cheapest Chanute full coverage quotes that Jerry’s agents helped our customers obtain.
Last Updated Sep 25, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
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