Get the Real Story on Lawrence Insurance Quotes

The city of Lawrence, Kansas, is no stranger to disasters, at least on the small screen. Soviet nuclear bombs devastated the city in the 1983 television movie, The Day After and it was destroyed by a nuclear blast in the television series Jericho in 2006. Although residents of Lawrence aren't likely in real life to suffer those kinds of catastrophic losses, some will face damage to their homes, possessions or automobiles due to fires, theft and accidents. When they do, they want to be sure that they have the best insurance coverages on the market. Shopping around for Lawrence insurance quotes will help them make the right insurance selection.

Low Rates for Lawrence Insurance

Kansas requires its drivers to have liability coverage of $25,000 per person/$50,000 per accident for bodily injury and $10,000 per accident for property damage. An auto policy must also include personal injury protection (no fault) coverages that will help pay for medical expenses, disability income, in-home services, rehabilitation services and funeral expenses.

The National Association of Insurance Commissioners (NAIC) reported that in 2007 Kansas drivers paid an average of $568 in automobile premiums, making them the fourth least expensive state in the nation for automobile insurance. The rate that the insurance company sets for a particular policyholder, however, depends on factors like the age, make and model of a car.

Insurers base the rates they offer drivers on the risk that those drivers present. That risk is calculated by considering their age, the number of accidents they've had and the number of moving violations like speeding tickets that they've received. Drivers with the best records fall into the preferred category, and they pay the lowest premiums. Insurers classify moderate risk drivers as standard category, and place the highest risk drivers in the non-standard category. When non-standard drivers are looking for Lawrence insurance quotes, they can expect to pay the highest premiums.

Vehicle owners can reduce their automobile insurance premiums by increasing their deductibles or adding anti-theft devices to their cars. When purchasing a new or used vehicle they can also check with insurers to see which models have the lowest insurance rates.

Lawrence Insurance Coverages for the Home

The Kansas Insurance Department estimates that in 2009, Kansas residents lost more than $600 million dollars due to windstorms, tornadoes, hail damage and other weather-related problems. People looking for Lawrence insurance quotes may not realize, however, that such damage is not usually covered under standard homeowner's policies. Neither is damage from everyday events like sewer backups or sump pump failures. Homeowners need to check carefully any policy they're thinking of purchasing for their home to make sure that it includes all the coverages that they want.

NAIC's 2007 data shows that Kansas residents pay an average of $904 for their homeowner's policies. When comparing policies from several different companies --always a smart financial move --homeowners should check to make sure that the coverages are similar and that they understand how much they must pay if they want some additional insurance protection.

The Easy Way to Shop Around for Lawrence Insurance Policies

It could take some time to visit or call several insurance agents in Lawrence to get them to provide auto and homeowner insurance quotes. That's why people who want to save time --and money --are heading to Instead of filling out countless forms and answering the same questions over and over, they enter the information one time at and submit it. Shortly after, they'll receive insurance quotes from five or more companies to compare. It's simple and fast, which means there's no reason not to be well protected financially if a real-life disaster strikes.