Auto coverage that's actuallyclearfairyoursplainclear
Coverage is full of fine print and “it depends.” We read it for you, shop 20+ carriers, and tell you in plain English what you actually need and what you can skip.
Auto coverage, line by line.
Every coverage on an auto policy, what each one does, and where drivers tend to come up short.
| Coverage | What it covers | Good to know |
|---|---|---|
| Liability | The other driver's injuries and property when you are at fault | Required in Kansas and Missouri. State minimums run low |
| Collision | Repairs to your own car after a crash | Pays regardless of fault, minus your deductible |
| Comprehensive | Theft, hail, glass, fire, and animal strikes | Earns its keep through a hail-prone Midwest season |
| Uninsured and underinsured motorist | Your bills when the at-fault driver cannot pay | About one in seven drivers carries no insurance |
| Medical payments | Injuries for you and your passengers, any fault | Quietly fills the gaps your health plan leaves |
| Roadside and rental | A tow when you are stuck, a loaner while you wait | The smallest line, gladdest to have at 11 p.m. |
Liability is required in Kansas and Missouri. The rest we tailor to how you actually drive.
Already insured? Send us your dec page and we will read it line by line, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Auto coverage, answered.
The questions drivers ask before they switch.
Enough to protect your savings if you are at fault in a serious crash. State minimums are low and run out fast. We size your limits to your real exposure and show you what an umbrella would add on top.
Collision pays to repair your own car after a crash. Comprehensive covers the non-crash losses, theft, hail, glass, fire, and hitting an animal. Most lenders require both while you have a loan.
It depends on the claim. Comprehensive losses like hail or glass usually do not move your rate much. At-fault collision and liability claims often do. We will tell you honestly whether a small claim is worth filing.
Usually yes, and bundling is often where the savings are. We check whether bundling or splitting actually serves you better across the carriers we shop.
Often your liability and collision follow you into a rental, but it varies by policy. Send us yours and we will tell you exactly what carries over before you decline the counter coverage.
Ready when you are
Send us your current auto policy. We will tell you what it is missing, free.
Drivers usually pair auto with
Home insurance
Bundle it with auto and both policies usually come down. One company also makes a claim simpler.
Explore homeUmbrella coverage
When a serious accident runs past your auto liability limits, umbrella catches everything above it.
Explore umbrellaRenters insurance
Do not own yet? Renters bundles with auto the same way, your things and your car on one bill.
Explore renters