Wichita Car Insurance

Did you know that in 2005, Kansas was number 45 for the states with the highest auto insurance premiums? This is good news for those searching for Wichita auto insurance, because it means that only 5 state’s have lower average auto insurance premiums.

 However, if you are looking for Wichita, KS auto insurance there are some things you should keep in mind in order to find the best policy. The way to find the best auto insurance in Wichita is much like anywhere else: 1) Do your research 2) Compare quotes from a variety of different insurance companies 3) Repeat the process every 6 months to make sure you still have the best value.

Tips for Finding Cheap Auto Insurance Rates

Whether young or old, sports car owner or pickup truck owner, here are some tips for finding the absolute cheapest Wichita car insurance rates possible while still maintaining quality coverage:

 1.      Discounts – Take advantage of discounts like the senior discount, good student discount, multiple lines discount (having both auto and homeowners insurance with the same company), military discount, and many more. Keep in mind that different companies have different discounts.

2.      Shop Around – It is key to shop around because not only do different companies have different discounts and different rates but rates can change often and even if you may have had the very cheapest rates possible just months ago that can all change. It is definitely worth it to spend 15 minutes every 6 months to compare rates from multiple companies.

3.      New Vehicle – Different vehicles have different rates for car insurance. If you purchase a new vehicle then don’t just stay with the same insurer automatically without first shopping around all over again. Different companies are competitive in different areas and on different models and types of vehicles. If you get a new vehicle then spend a few moments to find the company that will best meet your Wichita auto insurance needs.

 Required Minimum Auto Insurance Coverage in Wichita, Kansas

According to the Kansas Insurance Commissioner the required car insurance coverage minimums are as follows:

Liability Coverage

  • $25,000/person for bodily injury
  • $50,000/accident for bodily injury
  • $10,000/accident for property damage

Personal Injury Protection (PIP or No Fault)

  • Minimum amount required by law:
    • $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 expense
    • $4,500 for rehabilitation expense
  • Survivor Benefits: Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year

Uninsured/Underinsured Coverage

  • $25,000/person
  • $50,000/accident

These are the state of Kansas required minimums according to law and everyone that drives a vehicle must have at a minimum this level of coverage.

 Is this minimum coverage enough? Well, there is certainly additional coverage that can be purchased from almost every company that offers car insurance in Wichita and it often makes sense to pay a little extra to have more coverage than the minimums that are required.

Work with a qualified and professional Wichita car insurance agent so that they can help you to decide exactly how much coverage is needed for your specific situation.

How Your Rates Are Determined

Every insurance company determines rates in a different way, so no one insurance company is the best choice for everyone. One main factor that is used to determine rates is location.

 The factors that go along with location include traffic statistics, number of accidents, and number of vehicle thefts. Many times rural areas have lower insurance rates than urban areas.

 For example, here are the top five intersections with the most car accidents in Wichita in 2009 according to the City of Wichita Police Department:

  • Kellogg/Rock with 20 accidents
  • Kellogg/Mid Continent with 16 accidents
  • Central/ Rock with 14 accidents
  • Kellogg/ Seneca with 14 accidents
  • 13th/ Rock with 13 accidents

Also, here are the top five vehicles that are stolen in Wichita, Kansas according to the Wichita Police Department. Vehicles that are more likely to be stolen will also cost more to insure.

  • Chevy
  • Ford
  • Dodge
  • Pontiac
  • Honda

Public, Independent or Company Adjuster – Which Florida License Is Right For You?

Florida offers three different All Lines Adjuster licenses and the qualifications for each are also different. A 6-20 Company All Lines license is reserved for those who are already employees of insurance companies.

A Florida 5-20 Independent All Lines adjuster license is available to those who are not insurance company employees. These applicants plan to work on behalf of insurance companies through independent adjusting companies. A 3-20 Public Adjuster represent property owner’s against insurance companies, and the qualifications for this license are different from the first two categories.

Do you have any experience in the insurance profession adjusting claims? Do you have any experience in the construction industry? Are you an employee of an insurance company who will be employed as an adjuster? If your answer to these to questions is ‘no’, you may want to consider the 5-20 Independent license.

The 5-20 independent adjuster license is available to those wishing to enter the profession who do not have experience and who are looking for their first job in the profession.This license is granted when an applicant applies for the license with the Department of Financial Services, submits fingerprints, and either completes an approved designation, such as the Accredited Claims Adjuster Designation with the University of Central Florida’s Continuing Education department, or takes and passes the state exam.

An approved designation excuses the applicant from the state exam. If the 5-20 license is subsequently hired by an insurance company, the 5-20 Independent license will be converted into a 6-20 Company license.

For those who are already employed by an insurance company, apply for the Florida 6-20 Company license and follow the same procedures as described for the 5-20.Most insurance and adjusting companies offer invaluable on-the-job training which is essential to the new adjuster and you are paid while you are being trained.


Do you have experience adjusting claims? Do you have experience in the construction or building industry? Are you trained in negotiations? If your answer to these questions are ‘yes,’ then you may wish to consider becoming a public adjuster.An applicant for the public adjuster apprentice license must currently take and pass only the ACA (Accredited Claims Adjuster Designation), no other designation is acceptable.

An application for the temporary public adjuster apprentice license must be filed with the state, along with fingerprints and a $50,000 bond; The state exam must be taken and passed. A 12 month apprenticeship must be then served under the direction of a licensed public adjuster before the 3-20 license will be granted.

Since the state exam for the Florida Public Adjuster license is challenging, it is advisable to take an exam review course prior to taking the test. Do not expect to earn any substantial income during the apprenticeship period.

Public adjusters work on a contingency fee (a percentage of the claim) and the work is much like running a small business. Public Adjusters are responsible for attracting clients, advertising, maintaining an office and generating their own income.

Florida law regarding the practice of Public Adjusting has substantially changed over the past few years and an applicant must be familiar with these changes since the law affects everything from the questions posed on the state exam, to referrals, solicitation, to the amount of fees that may be collected from any one claim.

So, which license is right for you? The adjusting profession is thriving, even during the recent economic downturn. Be realistic in your assessment of your own background and abilities and choose the license that is right for you.

Cheapest Auto Insurance Quotes – Compare Chicago and Other Places

This article looks at some of the functional ways to locate auto insurance quotes. It concentrates on specific resources like online searches, carrier websites, and independent quote provider websites to locate this information. Readers will be able to quickly access and spot quotes for auto insurance needs.

Technology has made finding car insurance quotes much faster. In the near past ago there were limited means to get these quotes. Consulting with your car insurance representative in his/ her business or your residence was one difficult way. Phone calls to insurance carriers or independent insurance agents were the most preferred ways of gathering three or four quotes. Presently, however, the internet has made this assignment an easy process to deal with. Within few minutes it is a great possibility to find a substantial number of great quotes for your insurance needs.

It is vital to take particular things into account as you look for your car insurance. The type of auto will normally make a disparity in the type of policy you are able to find. The vehicle year, make and model are all sections of these issues. Other factors also factor into this process.

If there are a number of drivers on your policy, the premium and coverage offerings will be impacted. Youth operators are typically more expensive to include. All of this will be projected into your search for the best insurance carrier. Locating quotes for your needs is the best way to make this decision. Here are some of the easy methods of finding quotes:

1 – Internet Searches

The cyberspace has become an potent way to do business. There are many types of insurance businesses, including car insurance companies online. A simple Google, Yahoo or Bing search can provide you with access to quote information. Certain search engines return quote access along with carrier proposals.

2 – Insurance Companies Websites

As you start your search for car insurance companies, you will find a wide number of insurance companies. Each carrier has its own internet website for potential customers to visit and obtain car insurance quotes. You can visit individual internet sites to find quotes for car insurance. This can be a time consuming way of locating your quotes.

3 – Quote Provider Sites

There are plenty of insurance quote provider sites accessible on the web today. These sites can be for independent insurance brokerage with real physical locations in specific geographical area such as Chicago, or internet-based insurance brokerage houses that exist only in the contemplation of the world wide web. While both types have to be accurately licensed by your state to offer you the quote and sell you the insurance policy, the second type lacks the ‘personal service touch.’ In this setting consumers will be able to get auto insurance quotes from various different carriers. This is a one-stop kind of website to find the suitable car insurance policy for your special needs. Utilizing these sites save customers time, by providing information on several insurance carriers in one central location.

Before You Decide

Look for certain testimonials of the company and the agency you trying to do business with. Again the world wide web is full of information, evaluations, and comments about merchants and insurance companies. If you live in large metropolitan area such as Los Angeles or Chicago, there are many brokers providing these quoting services online and they have physical locations on the ground. For example, there are more than 2,000 physical addresses for insurance agencies in Chicago. Most of these Chicago insurance companies do have internet sites (to get get comparable car insurance quotes from, and physical sites. Once you decide to buy, pay them a visit. Visiting your agent will give you information that you cannot get from the information super highway.

Chicago Illinois Compared To Other Places

Chicago is one of the unique cities in the United States. While Chicago has certain similarities with other large metropolitan areas like New York and Dallas, Chicago auto insurance rates portfolios are different other larger metro areas. The main differences are:

  • Illinois does not subscribe to the ‘no fault’ auto insurance principle like states with large metro areas similar to Chicago (Texas or New York for example) and that makes insurance less expensive in Chicago.
  • With over 40 different languages spoken in Chicago, the city is perhaps the most ethnically diverse large city in the United States. Many Chicago based auto insurance companies are offering people with no license or, for example, the Mexican license, or even the Mexican Metricula, lower insurance rates than their US-licensed drivers!

It is clear that Chicago has some of the lowest, if not the lowest, auto insurance rates for a number of classes of people who have no state documents to support their driving status. For those people and other, shopping among Chicago based insurance companies is the key to get the best rates. Using the above three steps will save time and money.