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How Auto Rates are Set In Kansas

"Generally speaking, two factors govern what you pay for auto insurance: Underwriting and Rating


Underwriting is when an insurance company considers your application for auto coverage, it will take into account a number of different factors about you and your driving habits. Just because you apply with a certain company does not mean you will be provided coverage by that company. If approved for coverage, some of the factors that will influence your premiums are driving record, where you live, your car make and model, how much you drive, gender, age, and prior insurance coverage.

After completing the underwriting, the insurance company will place you in one of the three basic categories of drivers listed below. Each company adopts its own rating system for deciding whether to insure a person. Those with the lowest risk factors (least likely to have a claim) will receive the lowest rates."




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