The personal auto insurance policy covers non-commercial vehicles including private passenger cars and any pickup truck or van typically weighing less than 10,000 pounds that is not used for freight or business deliveries. This policy is intended to cover vehicles that are for personal not commercial use. The personal auto insurance policy will also generally cover a leased vehicle as long as the lease term is greater than six months. Be sure to check with your agent to verify coverage.
There are four basic areas of coverage in the personal auto insurance policy:
In addition to the coverages noted above, there are additional policy endorsements that can be purchased if you desire. A good example would be towing and labor costs. Such an endorsement covers the additional cost of having a vehicle towed to the service center after an accident. You can also purchase an endorsement for rental coverage that would pay for a rental car while yours is being repaired after an accident. Definitions and requirements vary by state so be sure to discuss these with your agent.
Auto insurance policy rates vary widely so be sure to shop around and compare rates. You can compare car insurance rates by using the links in the right margin or on our home page.
We help our Kansas customers in Wichita, Overland Park, Kansas City, Topeka, Olathe, Lawrence, Shawnee, KS and other cities in The Sunflower State lower their premiums and save money on all types of insurance. Use the form above to find low cost auto, homeowners, health, medical, life and long term care insurance. Using our Kansas insurance agent and broker network, you can compare rates quickly from the comfort of your home.
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