A car is considered a classic in Kansas if it's at least 35 years old and has not been altered from the original manufacturer's specifications. When a vehicle in Kansas meets these requirements, the owner can register it as an antique vehicle, which will allow the car to use special license plates.
Classic Car Qualifications in Kansas
At least 35 years old
Unaltered from the original manufacturer's specifications
Keep in mind that even if your vehicle is registered as a classic car in Kansas, it might not qualify for classic car insurance from certain companies. Each classic car insurer has its own eligibility requirements, so your car will need to meet those standards in order to qualify.
Classic car insurance costs less than regular car insurance because a classic spends less time on the road than a vehicle used for commuting or errands. The average classic car insurance policy costs between $400 and $1,000 per year.
Like with any auto insurance policy, each driver’s classic car insurance premium will vary based on individual risk factors such as location, driving history, the driver’s age, and the vehicle’s value. Classic car insurance usually applies to antique vehicles as well as to old, high-performance cars. Requirements and prices vary by company, though.… read full answer
Why Classic Car Insurance Costs Less Than Normal Car Insurance
Almost every classic car insurance provider forbids regular use of the vehicle, which reduces the risk for the insurer and keeps costs low. Classic cars are generally limited to parades, car shows, and pleasure driving up to a mileage limit stated in the policy. As a result, you may need to provide proof that you own a regular car for daily use when purchasing classic car insurance.
Another key difference is that most classic car insurers pay the vehicle’s “agreed value” if it is totaled. This amount is decided when the policy is purchased and reflects the fact that classic cars maintain their worth over time. On the other hand, standard car insurance policies usually pay a vehicle’s actual cash value in the event of a total loss, accounting for depreciation.
How to Lower the Cost of Classic Car Insurance
You can lower the cost of a classic car insurance policy by comparison-shopping for quotes and taking advantage of discounts. Many discounts will be the same as those for regular car insurance, such as discounts for having an anti-theft device or taking a defensive driving course. Some companies also offer discounts for membership in certain car clubs or for switching from a different insurer.
Car insurance in Kansas costs $47 per month, on average, or $558 per year. The average cost of car insurance in Kansas is 22% lower than the national average auto insurance premium, and Kansas ranks 20 out of 50 for the most affordable car insurance rates in the U.S.
There are several factors that affect how much you’ll pay for car insurance in Kansas, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in Kansas are Geico, Auto-Owners, and USAA. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
Finally, it’s worth noting that car insurance premiums in Kansas are average, compared to the cost of coverage in neighboring states like Missouri and Nebraska. You can find more details in the table below.
Cost of Car Insurance in Kansas vs. Neighboring States
Kansas car insurance laws require bodily injury liability coverage of $25,000 per person (up to $50,000 per accident), $25,000 of property damage liability coverage, and $4,500 of personal injury protection coverage.
The first two categories - bodily injury liability and property damage liability - cover injuries or damage that you accidentally cause with your car. Your car insurance pays up to a specified limit for each category. If you want additional coverage, you can choose higher limits than the ones required by Kansas law.… read full answer
Kansas has no-fault insurance. Most states that require personal injury protection coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That’s when personal injury protection can come in handy for an injured driver.
Since insurance is required by Kansas law, you can face multiple penalties if you’re caught driving without it, including fines, suspension of registration, and impounding your car. Another important Kansas car insurance law to note is the grace period for new residents: You have 90 days to register your car when you move to Kansas. You’ll need to bring proof of Kansas car insurance when you go to register, with at least the following coverage types and amounts.
Minimum Coverage Required by Kansas Car Insurance Laws:
Bodily injury liability: $25,000 per person / $50,000 per accident
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