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Multi-Car Policy Structure
A multi-car policy puts two or more owned vehicles on a single policy, and each vehicle can carry its own level of coverage—liability only, or liability plus collision and comprehensive—while the whole policy earns the multi-car discount.
Adding a Vehicle to Your Policy
Adding a vehicle mid-term re-rates the entire policy rather than adding a flat amount, so the multi-car discount recalculates based on the new vehicle count and driver assignments.
Combining Household Policies
Combining two separate policies into one multi-car policy earns the multi-car discount and eliminates one policy fee, but requires all vehicles to share a garaging address in Kansas.
Liability-Only on Paid-Off Vehicles
A paid-off vehicle on a multi-car policy can carry liability-only at the Kansas 25/50/25 minimum, while financed vehicles on the same policy carry full coverage to meet lender requirements.
Full Coverage on Financed Vehicles
Full coverage adds collision and comprehensive to the Kansas liability minimum, covering damage to your own vehicle from crashes, theft, weather, and vandalism, and is required by lenders on financed or leased vehicles.
Uninsured Motorist Coverage
Uninsured motorist coverage is mandatory on every vehicle in Kansas and pays when the at-fault driver has no insurance or insufficient limits to cover your damages.
