Are you wondering how to get car insurance quotes? Tom Rich Insurance Agency offers free quotes to Kansas residents and has been for over 30 years. Whether you need insurance for your car, motorcycle, RV, boat, or protection for your commercial vehicles, let Tom Rich see how much you could save through insuring through him.

How to get car insurance quotes is as easy as 1-click or 1-call away. Fill out this form or call Tom Rich Insurance at 913-281-0808 and let us know what type of insurance you need, and we’ll get the ball rolling on requesting additional quote information (year, make, model, VIN, your info, etc.).

Need help with how to get car insurance quotes in Kansas? Let our insurance experts guide you today. We have over 50 years of industry experience!

Types of Car Insurance

The most basic kind of auto insurance is liability coverage. It refers to the bare minimum of insurance coverage needed to operate a car in your state legally. Motorists are now opting for full coverage car insurance because it offers both comprehensive and collision insurance. Full coverage provides more value than basic coverage. This coverage includes aid in managing the expense of repairing damage caused by calamities like fire, flooding, theft, vandalism, and collisions that were not your fault.

Liability Coverage

To legally drive your car, you need liability coverage as a bare minimum. Liability coverage refers to protection for bodily injury and property damage. If you injure another party or damage their vehicle, this coverage will pay for those costs. It should be noted that this coverage kicks in if you are determined to be at fault for the accident.

Comprehensive Insurance

This type of coverage adds protection for events not related to collisions. Some examples of incidents that comprehensive insurance covers are a tree limb falling on your car, a pebble shattering the window, hitting a deer, a hailstorm cracking your windshield, or your vehicle being damaged during a riot. These instances are mostly called “acts of God” and are covered by comprehensive insurance.

Collision Insurance

This type of coverage is different from comprehensive insurance. It covers losses and damage to your car resulting from a collision. For example, if you hit a pole or another car from behind, your vehicle’s damage is covered. Also, some insurance companies provide full glass coverage with insurance, which can only be used for glass repair and replacement. There’s no deductible attached to such claims.

Ensuring you are legally and adequately insured is crucial for your financial well-being. Give Tom Rich a call today for car insurance quotes if you’re in Kansas City, Overland Park, Shawnee, Merriam, Mission, or Johnson, Wyandotte, and Leavenworth Counties!