Personal lines · independent broker
Auto insurance.
Coverage for the cars, trucks, and SUVs in your driveway. Whether it's a daily driver, a teen behind the wheel, or a household with multiple vehicles, we'll structure liability and physical damage limits that actually protect what you own.
What it is.
It's a six-line contract. Bodily injury liability, property damage liability, uninsured motorist, PIP/medpay, comprehensive, collision. Each one is its own knob. Most quotes you've seen are tuned at state minimum — which is the cheapest legal way to drive, and almost never the right answer for someone with assets, a commute, or a car worth keeping.
The lines in your policy.
Each one is its own knob. The carrier's default rarely fits a real life.
What a claim looks like.
Three anonymized files. Numbers are illustrative.
Driver carries comprehensive at $500 deductible. Roof of car is dimpled top to bottom. Carrier totals it at $14,200; client receives $13,700 after deductible. Claim closes in 11 days. The reason it works: comprehensive is tuned right and the carrier handles hail cleanly.
Driver is rear-ended at a red light on the I-35 service road. Other driver carries state-minimum liability ($25K PD in KS). Repair is $3,200; their carrier pays. No claim filed against driver's policy — premium doesn't move.
Driver hits a deer on K-10 westbound at dusk in November. $6,800 in damage. Comprehensive (not collision — important distinction we walk every client through), $500 deductible, paid in full at $6,300. Premium tier moves up one notch on next renewal; we shop early and find a flat replacement.
How to read a auto policy.
The four things worth looking for on the dec page, in the order we read them.
The first page tells you who's actually covered, on what address, and under whose legal entity. A surprising number of policies have the wrong name, the wrong address, or a missing additional insured, and you don't find out until you file a claim. Cross-check it against your driver's license, your title or lease, and any contract that requires you to be insured.
Policy limits are abstract until you stack them against the assets they protect. A $300k liability limit feels generous in isolation; against a $1.2M home and a college fund, it isn't. Walk down each numbered line on your dec page and ask: if this were the cap on the worst day, would I be okay?
Page one shows you the base form. Pages four through twelve show you what the endorsements added, and, more importantly, what they took away. Water-damage exclusions, roof-payment schedules, named-storm deductibles, scheduled-valuables caps. These small numbered forms decide more claims than the headline limits do.
Carriers re-rate, re-form, and re-endorse policies at every renewal. If you keep last year's dec page, a side-by-side read takes ten minutes and tells you which limits drifted, which sublimits got cut, and which endorsements quietly disappeared. It's the single most useful habit in personal insurance.
Frequently asked questions.
How much auto insurance do I need?
MO and KS minimums leave you exposed in any real-world wreck. We typically recommend 100/300/100 with PIP at $4,500-$10,000 in KS, MedPay at $5,000+ in MO. We walk through it on the call.
Why is my rate higher than my friend's in the same city?
Three reasons usually: ZIP-level loss history (hail and theft show up by ZIP), credit-based scoring (KS allows it; MO regulates it more tightly), and traffic density on your daily route. We can tell you which lever is moving your number.
Will switching mid-policy cost me?
Most carriers refund unused premium pro-rata, so no. The exception is a small number of policies with short-rate cancellation — we read your current declarations to check before we recommend switching.
Do you handle just auto, or auto + home together?
Both. Most of our personal-lines clients bundle with us. The right answer depends on which carrier wins each line — sometimes it's two different carriers, and we'll tell you so.
Want a second read on your auto policy?
Send us your declarations page. You'll get it back marked up, in plain language, with the gaps and the over-coverage flagged, yours to keep, no obligation to switch.
or phone (913) 408-7280
We're an independent broker. We represent you, not the carrier , paid by the carrier we ultimately place with, but accountable only to the person whose name is on the policy. Read more about how we work.