Auto Insurance

Protect Yourself and Others

Your car gets your family to work, school, and everywhere else that matters. Guerra Insurance helps Wichita families find auto insurance that keeps life moving when accidents happen.

We explain coverage in plain English or Spanish and shop multiple insurance companies to find you the right protection at fair rates.

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(316) 633-3567

Types of Auto Coverage

Liability Coverage

Liability insurance pays when you cause accidents that injure others or damage their property. This covers medical bills, lost wages, and legal defense costs. Higher limits protect your assets from lawsuits.

Collision Coverage

Collision repairs or replaces your vehicle after crashes regardless of fault. You choose a deductible from $250 to $2,500. This makes sense for newer vehicles you can’t afford to replace out of pocket.

Comprehensive Coverage

Comprehensive protects against theft, vandalism, fire, animal strikes, and weather damage. Your deductible applies, and coverage ends once repair costs exceed your vehicle’s value.

Uninsured & Underinsured Motorist Coverage

About one in eight Kansas drivers operates without required insurance. Uninsured motorist coverage protects you when at-fault drivers can’t pay for damages they cause to you and your family.

Personal Injury Protection (PIP)

Kansas requires $4,500 minimum PIP. This pays your medical bills, lost wages, and replacement services regardless of fault. Many families increase limits to $25,000-$50,000 for adequate protection.

Medical Payments Coverage

Med pay supplements PIP by covering additional medical expenses for you and passengers. Unlike PIP, it doesn’t cover lost wages or childcare costs during recovery.

Rental & Roadside Coverage

Rental reimbursement pays for cars while yours is repaired. Gap insurance covers loan balances exceeding your vehicle’s value. Roadside assistance provides towing and emergency services.

Why You Need Auto Insurance

Kansas roads present unique risks. Icy winter highways cause pileups on I-135. Distracted drivers run red lights at busy Wichita intersections. Spring hailstorms crack windshields and total vehicles in minutes.

We live in Tornado Alley. Weather that seems normal to us terrifies people from other states. But insurance companies from coastal states don’t understand Kansas risks. They write generic policies that barely meet legal requirements.

Guerra Insurance knows Kansas. We explain coverage built for our weather, our roads, and our risks. Your family deserves insurance that works when accidents happen — not policies that leave gaps when you need protection most.

How Much Auto Coverage Do You Need?

State minimums meet legal requirements but your actual needs depend on your financial situation and risk exposure.

Factors to Consider

Your assets and income: Lawsuit judgments can target savings, home equity, and future wages. Higher liability limits protect what you’ve built over years.
Your vehicle’s value: Newer cars justify collision and comprehensive coverage. Older vehicles under $3,000-$4,000 might not warrant the extra premium.
Your family situation: Families with multiple drivers or teen drivers face higher risk exposure. More people driving means more chances for accidents.
Your health insurance: Strong health coverage can coordinate with lower PIP limits. We help you avoid paying twice for the same medical protection.

Guerra Insurance calculates coverage that protects your family without wasting money on unnecessary extras.

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Kansas Auto Insurance Requirements

Kansas law requires drivers to carry minimum liability coverage of $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage. You also need $4,500 in personal injury protection (PIP).

These state minimums meet legal requirements but rarely provide adequate protection. Emergency room visits after serious crashes often exceed $75,000. One lawsuit can wipe out savings and target your home equity.

Most Kansas families need higher limits to protect their assets. Guerra Insurance helps you determine coverage amounts that actually protect what you’ve built.

Why Choose Guerra Agency for Auto Insurance

We Know Kansas Driving Risks

Wichita sits in Tornado Alley where spring hail storms destroy hundreds of vehicles in minutes. I-135 floods during heavy rain. K-96 sees frequent winter accidents. National call centers don’t understand these local risks. We live here and deal with the same weather and roads you do.

We Support You Through Claims

We walk you through the claims process after accidents or storm damage. We explain what adjusters need, connect you with reputable repair shops, and follow up to ensure fair treatment. Your relationship with Guerra Insurance continues for years.

We Explain Everything Clearly

No confusing insurance jargon. No pressure tactics. Just honest guidance about protecting your family on Kansas roads. We explain coverage in plain English or Spanish so you understand exactly what you’re buying.

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Frequently Asked Questions About Auto Insurance

Kansas requires all drivers to carry liability insurance with minimum limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. You must also carry $4,500 in personal injury protection (PIP) coverage. These are absolute legal minimums. Driving without insurance results in license suspension, fines up to $1,000, and SR-22 filing requirements. However, these state minimums rarely provide adequate protection for serious accidents. Guerra Insurance recommends significantly higher limits to protect your family and assets from unexpected events.

Average car insurance rates in Kansas vary widely based on your driving record, age, vehicle, and coverage choices. Full coverage auto insurance (liability, collision, comprehensive, and PIP) typically costs $1,200 to $2,500 per year for drivers with clean records. Minimum coverage runs $400 to $800 annually. Young drivers under 25 pay significantly more due to higher accident risk. Drivers with accidents or violations on their records pay premiums 40-80% higher than clean drivers. Your specific rate depends on dozens of factors. Guerra Insurance compares rates from multiple insurance companies to find you the most competitive pricing for your situation.

“Full coverage” isn’t an official insurance term, but most people use it to describe policies that include liability, collision, comprehensive, and PIP coverage. This protects you from most driving risks, including at-fault accidents, weather damage, theft, and injuries. Full coverage means your vehicle gets repaired or replaced after accidents, regardless of fault. It covers damage from Kansas hailstorms, vehicle theft, and hitting deer on rural highways. However, full coverage doesn’t literally cover everything. You still have deductibles to pay. Certain situations, like intentional damage or racing, aren’t covered. Guerra Insurance explains exactly what your policy covers so you understand your protection and any gaps.

This depends on your vehicle’s value and your financial situation. If your car is worth less than $3,000 to $4,000, collision and comprehensive coverage might not make financial sense. You’re paying $500 to $1,000 per year to insure a vehicle that’s only worth a few thousand dollars. After your deductible, the insurance payout might barely exceed what you paid in premiums. However, if you can’t afford to replace your vehicle out of pocket even though it’s older, keeping collision and comprehensive makes sense. Consider whether you have emergency savings to buy another car if yours gets totaled. Guerra Insurance helps you weigh these factors based on your vehicle’s actual cash value and your financial situation.

First, your own insurance pays your medical bills through your PIP coverage since Kansas is a no-fault state for medical expenses. For vehicle damage and other losses, you have several options. If you carry uninsured motorist coverage, your insurance pays for your injuries and vehicle damage and then pursues the at-fault driver for reimbursement. Without uninsured motorist coverage, you’re personally responsible for suing the at-fault driver to recover damages. This often proves worthless since uninsured drivers rarely have assets to pay judgments. About 12-15% of Kansas drivers operate without required insurance. Uninsured motorist coverage protects you from this common risk. Guerra Insurance strongly recommends this coverage for all Kansas families.

Kansas uses a no-fault system only for medical expenses, not for vehicle damage. After accidents, your own PIP coverage pays your medical bills regardless of who caused the crash. This means you don’t wait for fault determination or the other driver’s insurance to cover your immediate medical needs. Your PIP coverage pays medical expenses, lost wages, and replacement services up to your policy limits. For vehicle damage and non-economic losses like pain and suffering, Kansas uses traditional at-fault rules. The at-fault driver’s liability insurance pays for property damage. You can sue at-fault drivers for pain and suffering if your injuries meet Kansas’s serious injury threshold. This no-fault system speeds up medical payment but doesn’t affect property damage claims.

Personal injury protection (PIP) is required in Kansas and covers medical expenses, lost wages, rehabilitation, and replacement services like childcare if injuries prevent you from normal activities. PIP is broader protection. Medical payments coverage (med pay) is optional and only covers medical expenses for you and your passengers. Med pay doesn’t cover lost wages or replacement services. Most Kansas drivers carry both coverages since PIP minimum requirements ($4,500) rarely cover serious injury costs. Med pay supplements PIP for additional medical expense protection. If you have excellent health insurance with low deductibles, you might skip med pay. Guerra Insurance helps you coordinate these coverages with your health insurance to avoid paying for duplicate protection while ensuring adequate coverage.

A deductible is paid out of pocket before insurance coverage pays the rest. If you have a $500 deductible and file a $3,000 claim, you pay $500 and insurance pays $2,500. Lower deductibles mean higher monthly premiums but less out-of-pocket costs when you file claims. Higher deductibles reduce your premium but increase your financial responsibility after accidents. Collision and comprehensive coverage have deductibles. Liability coverage has no deductible since you’re not filing claims against your own policy. Common deductible amounts range from $250 to $2,500. Choose deductibles you can actually afford to pay if you need to file a claim. Guerra Insurance helps you balance affordable monthly premiums with manageable deductibles.

Yes, bundling multiple insurance policies with the same company typically saves 15-25% on both your auto and homeowners or renters insurance. You also get convenience of one bill, one point of contact, and simplified policy management. However, bundling doesn’t always provide the best value. Sometimes buying separate policies from different insurance companies saves more money than bundling. Guerra Insurance compares both scenarios for you. We show you bundled pricing and separate policy pricing from multiple carriers. You see which approach saves the most while maintaining the coverage your family needs. We also help you coordinate coverage between policies to avoid gaps or unnecessary duplication.

SR-22 isn’t actually insurance. It’s a certificate your insurance company files with the Kansas DMV proving you carry the minimum required auto insurance coverage. Kansas requires SR-22 filing after certain violations, including DUI convictions, driving without insurance, multiple serious traffic violations, or license suspension. The DMV tells you if you need an SR-22 filing. Your insurance company charges a small fee (usually $15-$50) to file the SR-22 form. You must maintain continuous coverage for the required period, typically three years. If your insurance lapses even one day, your insurer notifies the DMV, and your license gets suspended again. SR-22 requirements don’t directly increase insurance rates, but the violations that triggered SR-22 filing do raise your premiums significantly. Guerra Insurance helps high-risk drivers find coverage even after serious violations.

Most traffic violations affect your car insurance rates for three years from the violation date. This includes speeding tickets, at-fault accidents, and most moving violations. Minor violations like parking tickets don’t affect insurance rates. DUI convictions impact rates for five to ten years depending on the insurance company. Some carriers drop DUI drivers entirely for at least three years after conviction. Major violations like reckless driving or hit-and-run affect rates for three to five years. After the lookback period ends, these violations drop off your insurance record and your rates decrease. Maintaining a clean record after violations helps you regain better rates faster. Some insurance companies offer accident forgiveness programs that don’t increase rates after your first at-fault accident. Guerra Insurance finds you the most lenient pricing even with violations on your record.

First, check for injuries and call 911 if anyone needs medical attention. Move vehicles out of traffic if possible and turn on hazard lights. Call the police even for minor accidents, especially if there’s any dispute about fault. The police report helps during the claims process. Exchange information with the other driver including names, phone numbers, insurance company names, policy numbers, and license plate numbers. Take photos of vehicle damage, the accident scene, road conditions, and traffic signs or signals. Get contact information from witnesses. Don’t admit fault or apologize at the scene. Report the accident to Guerra Insurance as soon as possible, even if you’re not sure you’ll file a claim. We guide you through the claims process and help determine the best approach. Kansas requires accidents causing injury, death, or property damage exceeding $1,000 to be reported to law enforcement.

Your personal auto insurance typically extends to rental cars you drive in the United States. Your liability, collision, and comprehensive coverage usually transfer to rental vehicles. However, rental car companies often charge for damage even if you have personal insurance, and then your insurance reimburses you after filing a claim. This means paying upfront costs and dealing with claims processes. Rental car reimbursement coverage on your personal policy is different – it pays for rental cars while your vehicle is being repaired after covered accidents. This typically provides $30 to $50 per day up to 30 days. Credit cards also offer rental car coverage as a benefit, usually covering collision damage but not liability. Guerra Insurance explains how your personal coverage applies to rental cars and whether rental company insurance makes sense for your situation.

Guerra Insurance remains your advocate throughout the claims process. When you buy insurance directly from large insurance companies, you’re on your own after accidents. You navigate their claims system, deal with adjusters, and figure out repair processes without guidance. As an independent insurance agency, we work for you, not insurance companies. We help you file claims correctly the first time. We explain what adjusters need and follow up if processing delays occur. We connect you with reputable repair shops in the Wichita area. If insurance companies deny claims unfairly or offer insufficient settlements, we challenge those decisions on your behalf. We’ve guided Kansas families through thousands of claims and know how to get fair treatment. Your relationship with Guerra Insurance continues years after purchase, providing support when you need it most. This personalized service makes the difference between frustrating claims experiences and smooth resolution.

Most insurance companies offer multiple discounts that can significantly reduce your premiums. Good driver discounts reward accident-free and violation-free records, typically saving 20-30%. Multi-policy or bundling discounts give you 15-25% off when you combine auto insurance with homeowners or renters insurance. Good student discounts help families with teen drivers who maintain B averages or better, saving 10-25%. Defensive driving course discounts reduce rates 5-15% after completing approved driver safety courses. Vehicle safety feature discounts apply to cars with anti-theft devices, airbags, and collision avoidance systems. Low mileage discounts benefit drivers who travel fewer than 7,500 miles annually. Paid-in-full discounts save 5-10% when you pay your entire premium upfront rather than monthly. Loyalty discounts reward long-term customers. Guerra Insurance identifies every discount you qualify for across multiple insurance companies, maximizing your savings.

This depends on your deductible amount, repair costs, and claims history. If damage costs $1,500 to repair and your deductible is $1,000, filing that claim only nets you $500. However, filing claims increases your rates for the next three years. That small claim might cost you $300 to $600 per year in higher premiums, totaling $900 to $1,800 over three years. You’d lose money filing the claim. Generally, avoid filing claims when damage costs less than $2,000 above your deductible. Save claims for significant damage you can’t afford to repair yourself. Some insurance companies offer accident forgiveness programs that don’t increase rates after your first at-fault accident. Ask Guerra Insurance before filing any claim whether it makes financial sense. We help you calculate potential rate increases versus insurance payout to make informed decisions.