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Auto Insurance

The Basics

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.  Claims are paid subject to the deductible.

Auto or car insurance provides property, liability and medical coverage:

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  • Property coverage pays for damage to or theft of your vehicle.

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  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

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  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

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Ready for your free no hassle auto insurance quote?​ Call (913)222-4080 email brett@cisperinsurance.com or complete our free quote form now!​

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Why do you need auto insurance?

It's really all about protecting yourself financially in the event of an accident:

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  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

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  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

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  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

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Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

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Things to Consider

Things to consider and questions to ask your agent:

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  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

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  • What is the insurance company's level of service and ability to pay claims?

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  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

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  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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