Mulvane, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mulvane, 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.
Cheapest Car Insurance in Mulvane, KS
The average cost of car insurance in Mulvane, KS, is $1,475. Auto insurance is mandatory in most states, which means failure to have the most suitable policy can produce many issues. If you attempt to obtain a policy that best suits your needs and falls within your budget, it will be critical to conduct detailed comparisons involving the price and terms provided. Zimlon, through its research, has shed light on the significant factors that car owners must know while considering car insurance in Mulvane, KS.
A few such factors that determine the cost of auto insurance in Mulvane, Kansas, include the driver's age, deductible, claims history, DUI reports, gender of the driver and many more.
a. Car insurance rates based on the age of the driver
Younger drivers usually have higher car insurance rates for several reasons, like their inexperience. Their age leads them to eagerness, leading them to decide in a rush. In addition, they tend to take more risks while driving, resulting in an accident, thereby increasing the repair costs of property and others' medical bills. This results in young drivers facing a much higher rate than an experienced drivers.
Teenagers pay $4,786 on car insurance in Mulvane, Kansas. In contrast, experienced drivers who are 30 and 40 years old pay $1,460 and $1,404, respectively, towards their car insurance in Mulvane, KS. When compared, teenagers pay an extra $3,326 to $3,382 on auto insurance in Mulvane, Kansas.
b. Car insurance rates Post-DUI
Did you know insurance providers review your driving patterns while determining car insurance rates in Mulvane, KS? If you get convicted of driving under the influence (DUI) or driving while intoxicated (DWI), the insurance rates skyrocket. For instance, in Mulvane, KS, the average auto insurance cost is $1,475. Post-DUI, the cost of insurance is $2,459. If the auto owner is convicted of DUI, they have to pay $984 extra on their average auto insurance rates in Mulvane, Kansas.
c. Car insurance rates based on credit history
Did you know that insurance providers go through your driving history when deciding your car insurance rates in Wilmot, SD? First, most insurance providers start with your credit score because how you handle credit indicates how responsible you are and how trustworthy you are as a driver. Car drivers with poor credit scores pay a higher premium when compared to those with excellent and exceptional credit scores. Car drivers with exceptional credit scores pay $1,266 towards their car insurance in Mulvane, KS whereas car drivers with poor credit scores pay $2,406 on their auto insurance in Mulvane, KS.
Factors that can influence the cost of car insurance in Mulvane, 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.
- Mulvane, KS Auto Insurance Rates
- Mulvane, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mulvane, KS
- Multi Vehicle Insurance Savings in Mulvane, KS
- How Credit Score Affects Car Insurance Rates in Mulvane, KS
- How DUI Affects Auto Insurance Premiums in Mulvane, KS
- Top Auto Insurance Agents Near Mulvane, KS
- How Driving Violations Affect Auto Insurance Rates in Mulvane, KS
- Mulvane, KS Auto Insurance Discounts on Anti Theft Feature
Mulvane, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mulvane, KS with that of other cities in and around Mulvane.
| Mulvane | Salem | Rockford | Maple | Riverside | Belle Plaine | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,475 | $1,456 | $1,500 | $1,546 | $1,461 | $1,437 |
Mulvane, 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 Mulvane, 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) |
|---|---|---|
| Mulvane | $1,964 | $1,659 |
| Rockford | $1,433 | $1,210 |
| Gore | $1,474 | $1,245 |
| Belle Plaine | $1,918 | $1,620 |
| Salem | $1,092 | $922 |
| Derby | $1,439 | $1,215 |
| Riverside | $1,981 | $1,673 |
| Maple | $1,342 | $1,134 |
Mulvane, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mulvane, 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 | $4,786 |
| 20 Years | $1,895 |
| 30 Years | $1,460 |
| 40 Years | $1,404 |
| 50 Years | $1,301 |
| 60 Years | $1,319 |
| 70 Years | $1,535 |
Mulvane, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mulvane, 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 | $2,596 | $354 |
| 3 Vehicles | $3,894 | $531 |
| 4 Vehicles | $5,192 | $708 |
Savings on 2 Vehicles bundle:$354
Savings on 3 Vehicles bundle:$531
Savings on 4 Vehicles bundle:$708
Mulvane, 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 Mulvane, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mulvane | $1,475 | $2,459 |
| Rockford | $1,500 | $2,500 |
| Gore | $1,449 | $2,415 |
| Belle Plaine | $1,437 | $2,395 |
| Salem | $1,456 | $2,427 |
| Derby | $1,510 | $2,517 |
| Riverside | $1,461 | $2,435 |
| Maple | $1,546 | $2,577 |
Mulvane, 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) | $1,266 |
| Excellent (740-799) | $1,445 |
| Good (670-739) | $1,537 |
| Average (580-669) | $2,005 |
| Poor (300-579) | $2,406 |
Mulvane, 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 |
|---|---|---|---|
| Rael Hodgson | State Farm | 1710 E Madison Ave Ste 100, Derby, 67037-2289 | 316-788-7788 |
| Lance Mead | Farmers | 112 E Main St, Mulvane, 67110 | (316) 777-2949 |
| Todd Benway | State Farm | 958 N Buckner St, Derby, 67037-1823 | 316-788-1964 |
| Castleberry Insurance, Llc | None | 7920 W Kellogg Ste 400, Wichita, 67212 | None |
| Insurors Inc-Trans | Travelers | 144 N OLIVER ST, WICHITA, 67208 | 316-683-7537 |
| Carson Insurance Group | Liberty Mutual Independent | 122 W Main Street, Mulvane, 67110 | None |
| Deborah Miller | Farmers | 9415 E Harry St Ste 407, Wichita, 67207 | (316) 684-6565 |
Mulvane, 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 | +$65 | $1,540 |
| Driver's Failure In Showing Documents | +$143 | $1,618 |
| Driving With An Expired Registration | +$152 | $1,627 |
| Driving At A Considerably Slow Pace | +$320 | $1,795 |
| Using A Cellphone While Driving | +$338 | $1,813 |
| Running A Red Light | +$344 | $1,819 |
| Speeding | +$361 | $1,836 |
| Driving A Vehicle Without The Required Permission | +$459 | $1,934 |
| Driving With An Expired/Suspended License | +$994 | $2,469 |
Mulvane, 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 | $1,416 |
| Active Disabling Device | $1,416 |
| Tracking Device | $1,387 |
| Passive Disabling Device | $1,372 |