Finding affordable car insurance after 65 in kansas—anyone else struggling?

I usually just look for the summary page or call and ask what’s actually required by Kansas law (which is just liability, I think).

That’s exactly what I do—just liability, nothing fancy. My agent tried to upsell me on roadside assistance and glass coverage, but honestly, my car’s old and not worth much. I’ve found the online quote tools are hit-or-miss, though. Sometimes you get a decent rate, sometimes it jumps way up for no clear reason. It really does feel like trial and error, especially with all the jargon they throw at you.

It’s wild how much those online quotes can swing, right? I’ve seen the same thing—one day it’s $40 a month, next day it’s $70 for the same coverage. I get why folks stick to just liability, especially with older cars. Out of curiosity, have you ever actually needed to use any of those extras like roadside or glass? I’ve had clients swear by them, but for some people it just doesn’t add up.

Finding Affordable Car Insurance After 65 In Kansas—Anyone Else Struggling?

I get why folks stick to just liability, especially with older cars. Out of curiosity, have you ever actually needed to use any of those extras like roadside or glass? I’ve had clients swear by them, but for some people it just doesn’t add up.

That’s pretty much where I’m at right now. I’ve been comparing quotes for weeks and the numbers are all over the place. It’s honestly kind of stressful. I’m leaning toward just liability too, since my car’s not worth a ton, but I keep second-guessing myself about those extras. I haven’t needed roadside or glass yet, but I keep thinking about what would happen if I did. Feels like the one time I skip it is the time I’ll need it, you know?

I get the argument for skipping extras, especially when the price jumps so much from one day to the next. But I’m also the type who worries about being stranded somewhere or getting stuck with a big repair bill. I guess it’s a trade-off between peace of mind and saving a few bucks each month. I wish there was a way to just pay for roadside when you actually need it, instead of every month. Maybe there is and I just haven’t found it yet.

The glass thing is weird too. I’ve never had a cracked windshield, but I see rocks flying on the highway all the time. I guess it’s just luck? I’m probably overthinking it, but with how unpredictable these quotes are, it’s hard not to.

Anyway, I totally get why people just stick with the basics, but I’m still on the fence. I’d rather pay a little more and not have to stress about “what ifs,” but at the same time, these price swings make it tough to commit.

I get what you mean about the “what ifs,” but honestly, I’ve skipped extras for years and haven’t missed them.

“I wish there was a way to just pay for roadside when you actually need it, instead of every month.”

I hear you on skipping the extras. I’ve never bothered with roadside either—figured if I break down, I’ll just call a tow and pay up. It’s not like it happens every month, right? Honestly, I’d rather risk the occasional big bill than keep paying for stuff I barely use.

But here’s what I keep running into: after a couple of tickets and a fender bender, my rates shot up, and now every little add-on feels like a money grab. I get that some folks want the “peace of mind,” but at this point, I’m just trying to keep my insurance from eating my whole budget.

Has anyone actually had roadside save them a ton of money, or is it mostly just for convenience? I’ve always wondered if I’m missing something, or if it’s just another way for the companies to squeeze more out of us.

And about finding affordable insurance after 65—does it even matter if you drop all the extras, or do they still jack up your rates just because of age or your driving record? I’m starting to think it’s all just a losing game...