Eudora, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Eudora, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Three Things You Need To Know About Car Insurance In Eudora, KS
Homeowners insurance in Eudora, Kansas, typically costs $1,523. Car insurance is a legal requirement in Eudora, KS. All drivers must have at least the minimum insurance to operate a vehicle on public roads. Insurance protects drivers financially in the event of an accident and helps cover the costs of property damage and injuries caused by an at-fault driver. There are many reasons why you need car insurance, even if you are a safe driver. For one, accidents can happen to anyone at any time, and you may be unable to avoid them. If you are involved in an accident, car insurance will help pay for your vehicle's repairs and any medical bills you may incur. If you are found to be at fault in an accident, the other driver may sue you for damages. If you have car insurance, your insurer will help to pay for the legal fees and any settlements.
Through its research, Zimlon has highlighted important aspects that drivers should be aware of while considering vehicle insurance in Eudora, Kansas. The driver's age, deductible, claims history, DUI records, and many other criteria play a part in determining auto insurance price in Eudora, Kansas.
1. Age of the Driver
Car insurance rates are often based on the age of the driver. In Eudora, Kansas, drivers under the age of 25 may be charged higher rates than older drivers. Insurance companies often charge younger drivers more because they are considered to be a higher risk. They are more likely to get into accidents and make insurance claims. On the other hand, older drivers are considered to have a lower risk. They are less likely to get into accidents and make insurance claims. This means that they may be able to get lower rates.
Drivers who are looking for the best rates should shop around and compare rates from different companies. They should also consider raising their deductibles to lower their rates. In Eudora, Kansas, teenagers pay $4,942 for car insurance. In comparison, experienced drivers in Eudora, Kansas, who are 30 and 40 years old, pay $1,507 and $1,450 in premiums, respectively.
2. Post-DUI
If you are convicted of a DUI, your car insurance rates will go up significantly. Insurance companies view a DUI conviction as a high-risk behavior and will charge you accordingly. The amount your car insurance rates will increase depends on several factors, including your state's laws, your insurance company's policy, and your driving record. In some states, your insurance company may cancel your policy entirely if you are convicted of a DUI. To avoid paying higher rates, it's best to avoid driving under the influence altogether. If you are convicted of DUI, shop around for a new car insurance policy to see if you can find a better rate. In general, DUI convictions will have a major impact on your car insurance costs. It's important to be aware of the potential consequences before you get behind the wheel. For example, the average car insurance price in Eudora, Kansas, is $1,523. Car insurance after a DUI costs $2,539. If the driver of the vehicle is found guilty of DUI, they must pay an additional $1016 on their average Eudora, Kansas, auto insurance rates.
3. Credit History
Your credit history can have a surprisingly big impact on your car insurance costs. Insurance companies often use a process called “risk-based pricing,” which means that they charge higher premiums to people who are more likely to file a claim. And one of the factors that insurers look at when determining whether you’re a high-risk customer is your credit history. Car drivers with poor credit scores pay a higher premium when compared to those with excellent and exceptional credit scores. Car owners in Eudora, Kansas, who have exceptional credit pay $1,307 toward their car insurance, compared to those with poor credit, which must pay $2,484 for auto insurance.
Factors that can influence the cost of car insurance in Eudora, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Eudora, KS Auto Insurance Rates
- Eudora, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Eudora, KS
- Multi Vehicle Insurance Savings in Eudora, KS
- How Credit Score Affects Car Insurance Rates in Eudora, KS
- How DUI Affects Auto Insurance Premiums in Eudora, KS
- Top Auto Insurance Agents Near Eudora, KS
- How Driving Violations Affect Auto Insurance Rates in Eudora, KS
- Eudora, KS Auto Insurance Discounts on Anti Theft Feature
Eudora, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Eudora, KS with that of other cities in and around Eudora.
| Eudora | De Soto | McCamish | Lexington | Lawrence | Wakarusa | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,523 | $1,563 | $1,628 | $1,657 | $1,203 | $1,605 |
Eudora, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Eudora, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Eudora | $2,894 | $2,445 |
| Lexington | $1,411 | $1,192 |
| Linwood | $1,347 | $1,138 |
| Wakarusa | $2,686 | $2,269 |
| Palmyra | $1,046 | $884 |
| Lawrence | $1,033 | $873 |
| McCamish | $1,878 | $1,586 |
| De Soto | $1,156 | $976 |
Eudora, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Eudora, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,942 |
| 20 Years | $1,957 |
| 30 Years | $1,507 |
| 40 Years | $1,450 |
| 50 Years | $1,343 |
| 60 Years | $1,362 |
| 70 Years | $1,585 |
Eudora, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Eudora, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,589 | $457 |
| 3 Vehicles | $3,884 | $685 |
| 4 Vehicles | $5,178 | $914 |
Savings on 2 Vehicles bundle:$457
Savings on 3 Vehicles bundle:$685
Savings on 4 Vehicles bundle:$914
Eudora, KS Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Eudora, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Eudora | $1,523 | $2,539 |
| Lexington | $1,657 | $2,762 |
| Linwood | $1,436 | $2,394 |
| Wakarusa | $1,605 | $2,675 |
| Palmyra | $1,557 | $2,595 |
| Lawrence | $1,203 | $2,005 |
| McCamish | $1,628 | $2,714 |
| De Soto | $1,563 | $2,605 |
Eudora, KS Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,307 |
| Excellent (740-799) | $1,492 |
| Good (670-739) | $1,587 |
| Average (580-669) | $2,070 |
| Poor (300-579) | $2,484 |
Eudora, KS Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Martin-Tines Agency Llc | None | 13600 Santa Fe Trail Drive, Lenexa, 66215 | None |
| Kolleen Bauman-Williams | State Farm | 2011 E Crossroads Ln Ste 310, Olathe, 66062-1657 | 913-764-2503 |
| Bob Carlson | State Farm | 2400 Iowa St Ste 2, Lawrence, 66046-4072 | 785-843-1292 |
| Miller & Associates Inc | Nationwide | 107 S Mur-Len Rd, Olathe, 66062 | (913) 469-9400 |
| Murphy Insurance Agency | None | 1617 W 27Th St, Lawrence, 66046 | None |
| Ea-J Goodman Insurance Agency | Travelers | 1990 E SANTA FE STE 103, OLATHE, 66062 | 913-829-0093 |
| Capitol Agency | Travelers | 1900 W 75TH STREET SUITE 100, PRARIE VILLAGE, 66208 | 913-652-2317 |
| Ambassador Insurance Midwest | None | 11233 Nall Ave, Ste 100, Leawood, 66211 | None |
| Tom Bottiger | State Farm | 8010 State Line Rd Ste 75, Prairie Vlg, 66208-3711 | 913-341-8888 |
Eudora, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$67 | $1,590 |
| Driver's Failure In Showing Documents | +$148 | $1,671 |
| Driving With An Expired Registration | +$157 | $1,680 |
| Driving At A Considerably Slow Pace | +$330 | $1,853 |
| Using A Cellphone While Driving | +$349 | $1,872 |
| Running A Red Light | +$355 | $1,878 |
| Speeding | +$373 | $1,896 |
| Driving A Vehicle Without The Required Permission | +$474 | $1,997 |
| Driving With An Expired/Suspended License | +$1,027 | $2,550 |
Eudora, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,462 |
| Active Disabling Device | $1,462 |
| Tracking Device | $1,432 |
| Passive Disabling Device | $1,416 |