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In Kansas, vehicle insurance is mandatory. Kansas law mandates that each vehicle must comply with insurance requirements before it can legally be used in the state. There is a good reason why auto or vehicle insurance is required. It protects you, as the vehicle owner, from financial losses should troubles come your way while driving your vehicle.

A vehicle insurance policy has different types of coverages, each providing you protection from different kinds of losses. This may include:

• Bodily injury liability - insurance pays for the other person if you or a family member is responsible for the accident:
• Property damage liability - insurance pays for damages caused by the accident;
• Personal injury protection - the insurance company pays for expenses due to an accident, regardless of who caused the accident;
• Uninsured motorist protection - pays for damages and medical expenses for accidents caused by an uninsured or hit-and-run motorist;
• Collision - where insurance pays for repairs of the car if collision or rollover happens; and
• Comprehensive coverage - where the company pays for damages caused by outside factors such as fire, hail, windstorm, etc.

The state of Kansas does not require vehicle owners to have each and every kind of vehicle insurance coverage. However, Kansas laws and regulations mandate that each vehicle insurance policy comply with a certian minimum coverage:

• Liability coverage must at least be $25,000 for bodily injury incurred by one person, $50,000 for accidents where more than one person is involved, and $10,000 per accident for property damage.
• Personal injury protection is also required with certain minimum values: $4,500 per person for medical expenses, $900 monthly for a period of one year due to loss of income or disability, $2,000 for funeral and burial, $4,500 (survivor benefits) for rehabilitation expenses, and $25 for services just within the home.
• An uninsured or underinsured protection is required in Kansas, which should cover $2,500 per person, and $50,000 if more than one person was involved.

There are two factors which determine how much you pay for your vehicle insurance. First, a number of factors about you and your driving habits is considered. The insurance company will check what kind of car you own, your driving record, your age and gender, where you live, how often you driver and whether you had previous insurance coverage. Second, the insurance company will categorize you based on a rating scheme: preferred, standard and non-standard. If you belong to the preferred, you are considered by the insurance company to be the best risk - the safest driver. You will generally pay less than moderate risk (standard) and high risk (non-standard) categories.

There are ways to save on your premiums, so remember to shop around for the best deals before deciding on an insurance company.