Auto Insurance in Wichita, Kansas

Auto insurance is a critical aspect of responsible vehicle ownership in Wichita, Kansas. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Kansas.

Understanding Vehicle Coverage in Wichita

When it comes to vehicle coverage in Wichita, Kansas, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Kansas

Car insurance holds paramount importance in Kansas, and Wichita is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Kansas, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Wichita, Kansas involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Kansas, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Wichita, Kansas, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Wichita Kansas Auto Coverage

Understanding the intricacies of auto insurance coverage in Wichita, Kansas, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Kansas law, and additional coverage options that residents in Wichita might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Wichita have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Kansas: Every state, including Kansas, has its own set of minimum auto insurance requirements. In Kansas, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Wichita: While meeting the state's minimum requirements is mandatory, many Wichita residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Wichita requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Wichita Kansas

Affordable Auto Insurance in Wichita, Kansas is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Wichita:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Kansas, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Wichita.

Wichita Car Insurance Rates

Car insurance rates in Wichita, Kansas, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Kansas, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Wichita, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Wichita, Kansas:

Keeping an eye on insurance rate trends in Wichita is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Wichita market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Wichita, Kansas.

Best Auto Insurance Companies in Wichita

When it comes to securing the best auto insurance in Wichita, Kansas, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Wichita residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Wichita Assurance Services

• Why Choose Wichita Assurance: Known for its local presence and personalized service, Wichita Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Wichita Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Wichita Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Wichita, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Wichita, Kansas

Insuring your vehicle in Wichita involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Wichita

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Wichita residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Wichita residents.

Tips for Insuring Your Car in Wichita

Insuring your car in Wichita, Kansas, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Kansas's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Kansas.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Wichita becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Wichita Kansas

When it comes to securing auto insurance in Wichita, Kansas, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Wichita, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Kansas's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Wichita area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Wichita region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Wichita:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Wichita. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Wichita. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Wichita not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Wichita, Kansas

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Wichita residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Wichita, Kansas, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Wichita, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Kansas's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Kansas. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Wichita, Kansas, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Wichita's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• Sign Up for Specials

• At Costco Auto Program, great value goes beyond prearranged pricing. Sign up to receive updates on limited-time specials and manufacturer incentives plus other available offers.

• To subscribe, enter your e-mail below.

• Zip code

• Buy a car with confidence.

• Discover the ease and convenience of using Costco Auto Program. Get started on the purchase or lease of a new vehicle or learn more about buying a used car, truck or SUV.

• Enter your Zip Code to get started.

• Easy Auto Savings

• Parts & Service Discount

• Get 15% off* parts, service and accessories from participating service centers.

• Specials & Incentives

• Receive even greater savings by combining, prearranged pricing with manufacturer rebates and incentives, limited-time sales events, automotive discounts and more.

• Recreational Vehicles

• Choose from a wide variety of recreational vehicles to suit your lifestyle and save at a Costco Auto Program Approved Dealership.

• Benefits of Costco Auto Program

• Save more – stress less when you purchase or lease your next vehicle through Costco Auto Program.

• More ways to shop for a car

• Search by Type

• What Members Are Saying

• “This is great program that has saved me money. I hope that it continues.”

• – David B., National City, CA

• “Dealership was great. Worked with us to get the car we wanted at a fair price.”

• – Denise S., Jacksonville, FL

• “The process is simple, straightforward, and quick. We were happy and pleased.”

• – Arulalan R., Annandale, NJ

• Testimonials featured are provided by real Costco members. Individual experience may vary.

• Car-Buying Research Tools

• Manufacturer Incentives

• Stack your savings by combining our prearranged pricing with rebates and incentives.

• Compare Vehicles

• Compare cars side by side. Choose up to three, and get a comprehensive overview of specs, features and advantages.

• Safety Information

• Evaluate the safety rating of a vehicle, including options, crash test ratings and more.

• Automotive Buyer's Guide

• Get a head start on your vehicle search with our buyer's guide – offering you a breakdown of the buying process, tips and more.

• Finance Calculator

• Three-in-one calculator: Use our vehicle calculator to find an affordable price or estimate the cost of a rebate versus a low interest rate.

• Leasing vs Buying

• Make sense of your buying options. Learn the difference between leasing and buying before you purchase your next vehicle.

• Automotive articles

• Our car-buying experts will prepare you for your purchase with relevant and thoughtful advice.

• Car Upgrades to Improve Your Drive

• Get the most out of your next vehicle with these popular upgrades.

• About the Microchip Shortage

• If you’re in the market for a new vehicle, here’s what you need to know before you visit the dealership.

• Five Signs It’s Time for a New Car

• Here are five signs that it may be time to replace your old or worn-out vehicle.

• Does Costco Sell Cars?

• Discover how buying or leasing a car through Costco Auto Program is a simple, straightforward process from start to finish.

• Contact Us

• Talk to Us

• Join Our Newsletter

• Mon-Fri. 6am - 7pm PT | Sat & Sun 7am - 5pm PT

• Quick Links

• Follow Us

• About Us

• Costco Auto Program has provided prearranged pricing and a stress-free car-buying experience to Costco members for more than 30 years. We’ve developed a proven formula to maximize value, streamline the process and remove the hassle normally associated with buying a car. When you choose Costco Auto Program, you can shop with confidence knowing you’ll receive great value and exceptional member service.

• Costco and its affiliates do not sell automobiles or negotiate individual transactions. All vehicles arranged for sale are subject to availability and a price prearranged with the participating franchised dealer. A participation fee has been paid by the dealers participating in Costco Auto Program. Certain vehicles may be excluded from the program. Actual savings may vary based on vehicle purchased, dealer and location. All information and vehicle data available on this website has been provided by reputable third parties. Costco Auto Program, Costco Wholesale, Affinity Development Group and its subsidiaries make no implied guarantees or warranties to this data.

• *15% Discount only applies to work done at participating service centers, not Costco Tire Centers. It cannot be used toward the purchase of air bags, oil changes, tires, state-mandated vehicle inspections or be combined with other promotions or incentives. Not applicable to 1) prior services, parts or work; 2) items covered by a vehicle’s warranty or insurance policy; 3) or at the time of vehicle purchase or lease. Not all Costco Auto Program dealerships currently participate in this benefit. Maximum savings: $500. Costco member must pay sales tax, and tax is charged on the purchase amount prior to discount where required.

• Copyright © 2010 – 2024 Affinity Development Group, Inc., all rights reserved.

• Costco is a trademark of Costco Wholesale Corporation

• Privacy Policy

• Thank you for visiting Costco Auto Program and for reviewing our Privacy Policy. We want to ensure that you are well informed of the measures we have in place to protect any collected personal information. Your trust is a top priority and is embedded in everything we do. Costco Auto Program is committed to data privacy, data security and transparency in our data practices and processes.

• Updated as of: January 1, 2023

• Costco Auto Program is operated by Affinity Auto Programs, Inc. (“CAP”, “we”, “us” or “our”). CAP is an independent company, not an affiliate of Costco Wholesale Corporation (“Costco”). CAP respects your right to privacy and your ability to make informed choices about the information we collect and use about you. This privacy policy (“Privacy Policy”), which is separate from Costco’s privacy policy, describes our policies and practices regarding the collection, use and disclosure of information about you as part of Costco Auto Program and our technology platforms, including, without limitation, our website, mobile application, call center, text and chat communications, customer surveys, interactive features and social media pages (collectively, the “CAP Site”). This Privacy Policy applies to information collected from the CAP Site and offline unless different terms are specified in an online or other form or contract we provide you.

• Additionally, please note that Section 1 of this Privacy Policy, which describes our collection and use of information through the CAP Site, also serves as our Notice at Collection for California residents for purposes of the California Consumer Privacy Act (“CCPA”).

• This Privacy Policy has been designed to be reasonably accessible to people with disabilities. If you experience any difficulties accessing the information in the Privacy Policy, please contact us at privacyrequests@CostcoAuto.com.

• We collect two types of information: Personal Information and Other Information.

• Personal Information is any information:

• The table and language below summarize the categories of personal information we have collected over at least the last 12 months, the purposes for collection and use of that personal information, and how long we keep each category of personal information.

• WE DO NOT “SELL” YOUR INFORMATION as the term “sell” is traditionally understood. NONETHELESS, “sale” under the CCPA interpreted does include the activities set out in this Privacy Policy. To comply with the applicable law of the definition of such activity we have included the following statements. We sell, and share for targeted advertising, the following categories of personal information: commercial information, device, internet, and network activity information, general location data, and inferences. Under certain U.S. State Privacy Laws, you may be able to request that we not sell or share for targeted advertising, Personal Information about you for targeted advertising. If you would like to opt-out of the sale and sharing of these categories of personal information, please click Your Privacy Choices

• Categories of Personal Information We Collect

• Our Business or Commercial Purposes for the Collection and Use of Your Personal Information

• Personal Identifiers, such as your name, email address, telephone number, home address, and Costco Membership Number.

• We use this information:

• Commercial Information, such as the vehicle makes and models you search for, vehicle makes and models purchased, and whether you search for new or used vehicles.

• We use this information:

• Device, Internet, and Network Activity Information, such as imprecise geolocation data derived from a zip code or IP address, browser type, device type, operating system, application version, the pages served to you, previous page views, the site from which you linked, the time and date of your visit to the CAP Site, your use of features on the CAP Site and your inquiries, IP address, cookie ID, and Mobile Ad ID.

• We use this information:

• Inferences drawn from the information identified above to create a profile reflecting your preferences.

• We use this information:

• Additional Uses. We may also use all of the Personal Information noted above:

• Vehicle Purchase and Lease Agreement. With your consent, we may collect and use your vehicle purchase or lease agreement in order to conduct price verification and program compliance audits with our dealerships and vehicle manufacturers, customer support, and the Additional Uses noted above.

• De-identified Information. To the extent we possess de-identified information, we will maintain and use the information in deidentified form and not attempt to reidentify the information, except that we may attempt to reidentify the information to confirm the information is truly de-identified.

• Retention. We will retain your Personal Information for as long as is needed to carry out the purposes we’ve described, or as otherwise required by law. The criteria used to determine the applicable retention period for your Personal Information includes the length of time we have an ongoing relationship with you as applicant or consumer and whether there is a legal obligation to which we are subject that requires us to retain your Personal Information.

• We collect or receive information from the following sources:

• During at least the past 12 months, we have disclosed your Personal Information outlined in the table above to the following categories of entities:

• A. Your U.S. State Privacy Rights

• You have specific rights with respect to Personal Information under certain U.S. state privacy laws. For purposes of this subsection, the terms “consumer”, “Personal Information”, “business purpose”, “third party”, “sell”, and “share” have the meanings ascribed to them respectively in the applicable state law. To the extent provided for under the applicable laws, you may have the right to:

• B. Promotional Communications and Newsletters

• You may unsubscribe from certain email communications by clicking the “Unsubscribe” link provided at the bottom of an email sent to you by CAP. Please note that we reserve the right to send you certain communications relating to your use of the CAP Site and these transactional messages may be unaffected if you choose to opt-out from marketing communications.

• C. Tracking Technologies

• We may communicate with you regarding any matter related to Costco Auto Program via mail, via telephone or via electronic communications, including via email to the email address you provide, via text message to the mobile phone you provide, or via the CAP Site.

• To opt-out of receiving text messages, please follow the instructions in the body of the text message. Note that in order for you to receive communications via text message, you must maintain, at your own cost, a mobile device capable of sending and receiving text messages. Message and data rates may apply to each text message sent and received in connection with Costco Auto Program. Please see your wireless provider to review your wireless plan details.

• We take information security seriously and use certain reasonable security measures designed to help protect your Personal Information. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the CAP Site and provide us with information at your own risk.

• The CAP Site may contain links to other websites or online services that are operated and maintained by Costco or third parties, and that are not under the control of or maintained by CAP. The inclusion of a link on the CAP Site does not imply endorsement of the linked site or service by us or by our affiliates.

• This Privacy Policy does not apply to Costco’s activity or to any Personal Information you may disclose directly to Costco. We encourage you to review Costco’s privacy policy, available here.

• The CAP Site is operated in the United States. If you are located in the EEA, Canada or anywhere else outside of the United States, please be aware that information we collect, including, without limitation, Personal Information, will be transferred to, processed and stored in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the CAP Site or providing us with any information, you consent to this transfer, processing and storage of information about you in the United States. Where required by law, we will transfer your personal data subject to appropriate or suitable safeguards, such as Standard Contractual Clauses.

• Please note, we may change information on the CAP Site and/or this Privacy Policy at any time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the CAP Site. We encourage you to periodically review this page for the latest information on our privacy practices.

• The CAP Site is a general audience website and we do not knowingly collect any Personal Information from children younger than the age of sixteen (16). We will delete any Personal Information collected that we later determine to be from a user younger than the age of sixteen (16).

• If you have any questions or concerns regarding this Privacy Policy, please contact us at: Costco Auto Program, 10590 W. Ocean Air Drive, Suite 300, San Diego, CA 92130, Attn: Privacy Policy.

• Again, this CAP privacy policy and practices are separate from Costco’s practices. Please visit Costco’s privacy policy for information about how Costco uses information.

• Terms Of Use

• Updated as of: Feb 2019

• PLEASE READ THE FOLLOWING CAREFULLY.

• The Costco Auto Program is operated in the United States by Affinity Auto Programs, Inc., doing business as “Costco Auto Program” (“CAP”, “we”, “us” or “our”), which is an independent company, not an affiliate of Costco Wholesale Corporation (“Costco”).

• This document sets out those terms and conditions (the "Agreement") under which we allow you ("you", "your") to use our website ("Website"), whether you do so just to find out about us and our services or to provide us with information in order to participate in the Costco Auto Program or in any other activities through the Website.

• If you are visiting our Website as a Visitor (see below for definitions), your use of the Website confirms that you agree to this Agreement. To access other services or parts of the Website, you may have to confirm that you have read, accepted and agreed to this Agreement by clicking on "Accept" or you will not be able to view or use those portions of the Website.

• THIS AGREEMENT LIMITS THE LIABILITY OF COSTCO AUTO PROGRAM, DISCLAIMS CERTAIN WARRANTIES, GRANTS YOU A LIMITED LICENSE AND GIVES THE COSTCO AUTO PROGRAM CONTROL OVER THE INFORMATION YOU ELECT TO PROVIDE TO US. ALL PERSONAL INFORMATION PROVIDED BY INDIVIDUALS ALSO BECOMES SUBJECT TO THE COSTCO AUTO PROGRAM'S PRIVACY POLICY https://www.costcoauto.com/privacy.aspx DO NOT USE THE WEBSITE OR PROVIDE US WITH ANY PERSONAL INFORMATION IF YOU DO NOT AGREE TO THESE TERMS,

• 1. Help and feedback

• If you require assistance using the Website or wish to provide us with feedback, please call us at 1-877-500-1470

• 2. Agreement May Change

• We may change any of the terms or conditions of this Agreement from time to time without notice. You should revisit the Website periodically to review the terms and conditions of the then-current Agreement. Any revisions to this Agreement are effective once posted on or accessible from or through the Website.

• 3. Definitions

• Many of the words and phrases in this Agreement have specific meanings so we have provided those for you to read:

• “Agent” means any person who provides Personal Information to the Costco Auto Program in any manner on behalf of another individual.

• “CAP Service(s)” means any one or more of the services or benefits offered by the Costco Auto Program from time to time; which may include a referral to a participating CAP dealer, issuance of a dealer parts and service coupon, or issuance of an authorization number to register to participate in an OEM promotion or any other service or benefit offered by the Costco Auto Program.

• "Data" means any and all records, documents, data and information collected by CAP related to any Guest’s use of any CAP Service from a Guest, an Agent, a Participating Dealer or an OEM; including, without limitation, certain non-Personal Information about vehicle purchases (such as a vehicle make, the vehicle model and model year, purchase date and price paid or capital cost of lease), Personal Information related to Guests, and related matters.

• “Guest” means an individual who submits information to the Costco Auto Program to participate in one of more of the CAP Services. A Guest may access the Website as a Visitor on a different occasion without disclosing information or requesting a CAP Service. A Guest may provide certain Personal Information personally and/or directly, or they may use instruct an Agent or representative to do so.

• "OEM" an original equipment manufacturer.

• "Personal Information" means all information about an identifiable individual; including, without limitation, name, email address, telephone number, home address, geolocation, demographic information (such as postal code, gender and age), contact information, Costco membership number, and certain information about vehicle purchases whether provided by a Guest, Agent, Visitor Participating Dealer or OEM (such as the vehicle purchase agreement or a vehicle sales file which may include the vehicle identification number, model and model year, purchase date, price paid or capital cost of lease, MSRP and invoice price).

• “Visitor” means anyone who visits the publicly available parts of our Website, but who is not asked to provide information related to a request to use one or more of the CAP Services. Visitors can access information from the Website's publicly available areas without creating an account or otherwise submitting information about themselves. However, by using the Website, Visitors agree to accept all of the terms and conditions of this Agreement. A Visitor may not utilize a CAP Service and cannot request to access the Data.

• Please note that CAP collects and archives your IP address as provided in our Privacy Policy.

• 4. Purpose for access

• You agree that the purpose for our providing you with access to the Website is to (i) allow you to obtain information and (where applicable) upload, download, create, and add to the Data for purposes reasonably connected to a request to participate in one or more of the CAP Services on behalf of yourself or on behalf of another person for whom you have the authority to do so, and (ii) to allow CAP to generate and review reports on your activities, or those of Guests you act on behalf of as may be permitted by CAP from time to time. Once received by CAP, the Data becomes part of a database, which CAP owns. Any Personal Information in the Data will be collected, used and disclosed by CAP pursuant to the CAP Privacy Policy.

• 5. Your warranty and representations to CAP

• You warrant and represent to CAP as follows:

• 6. Compliance with rules and regulations

• You agree that you will follow all of the rules, requirements and regulations set forth by CAP from time to time. Those rules, requirements and regulations are currently as set out in this Agreement. These rules, requirements and regulations will apply to any use of the Website and access to the Data and will apply to you whether you are a Guest, Visitor or Agent.

• You agree and confirm that:

• 7. Privacy

• We respect your personal privacy. We will collect, use and disclose personal information as described in our Privacy Policy, which is available at www.costcoauto.com/privacy. By using or accessing the Website, you consent to the collections, uses and disclosures of your personal information for the purposes described in our Privacy Policy.

• 8. Your agreement

• You agree that at all times:

• 9. Prohibited Activities

• You will not use the Website for any purpose that is unlawful or prohibited by this Agreement.

• In addition to, and without limiting, any other prohibitions set out in this Agreement, you may not do any of the following when accessing, using or interacting with the Website:

• 10. Relationship

• You agree that by using the Website or by submitting personal information on your own or a Visitor or Guest's behalf, you and CAP are not entering into:

• 11. Withdrawal of access for cause

• This Agreement grants no rights, only privileges and permission. You agree that CAP, in its absolute discretion, will be the sole judge of whether you have breached any provision of this Agreement and that any privileges or permission granted to you under this Agreement may be revoked, suspended or terminated by CAP at any time without notice.

• 12. Waiver

• You acknowledge that the Internet and websites accessed by you are inherently dangerous and subject to computer, system and network failure as well as malicious human activity. While CAP will take such steps as are reasonable in the circumstances to maintain the security of this Website and the Data and your privacy and confidentiality with respect to information you provide, you agree that you use this Website completely at your own risk and that in no event shall CAP be held liable for any loss or damages, however caused, except as expressly provided in this Agreement, even if caused by the negligence or reckless behavior of CAP.

• 13. Disclaimer

• THE COSTCO AUTO PROGRAM DOES NOT WARRANT THAT THIS WEBSITE WILL OPERATE ERROR-FREE OR THAT IT AND ITS SERVER OR SERVERS ARE OR WILL BE FREE OF COMPUTER VIRUSES, TROJAN HORSES, OR OTHER HARMFUL CONTENT, DEVICES OR PROGRAMS. THIS WEBSITE AND ITS CONTENT AND MATERIAL, AND ACCESS TO THE DATA, ARE ALL PROVIDED ON AN "AS IS, WHERE IS", AND "AS AND WHEN AVAILABLE" BASIS WITHOUT ANY REPRESENTATIONS, GUARANTEES, CONDITIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY THE LAW, THE COSTCO AUTO PROGRAM DISCLAIMS ANY AND ALL CONDITIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE CONDITION OR WARRANTY OF MERCHANTABILITY AND THE CONDITION OR WARRANTY OF FITNESS FOR ANY PARTICULAR PURPOSE. THE COSTCO AUTO PROGRAM MAKES NO WARRANTY OR REPRESENTATION OF NON-INFRINGEMENT. THE COSTCO AUTO PROGRAM FURTHER MAKES NO WARRANTIES OR REPRESENTATIONS CONCERNING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE DATA ACCESSED BY USE OF THE WEBSITE.

• CAP strives to ensure information is accurate and current. However, we make no representations to you about the accuracy of the information contained on the CAP Website. This includes, without limitation, the availability of any CAP Service to you on a local or national basis.

• 14. Limitation of damages

• You further agree THAT THE COSTCO AUTO PROGRAM will not be liable to you for any damages you may suffer and that IN NO EVENT WILL COSTCO AUTO PROGRAM BE LIABLE FOR indirect, general, special, economic, consequential, EXEMPLARY or punitive damages resulting from the use of (or inability to use) this Website or any cap service, whether in tort (including negligence), contract or any other cause of action, including without limitation, for availability of any cap service, loss of data, information or programs, or damage to computers or networks, or from breach of privacy and similar personal rights, or from infringement of intellectual property rights, OR FROM DEFAMATION, LIBEL OR SLANDER, or any other damages whatsoever, whether or not CAP shall have been advised of the possibility of such damages.

• 15. Exceptions to disclaimers and limitations of damages

• THIS AGREEMENT DOES NOT EXCLUDE OR LIMIT CAP’S LIABILITY (IF ANY) FOR DEATH OR PERSONAL INJURY CAUSED BY CAP’S NEGLIGENCE, FRAUD, FRAUDULENT MISREPRESENTATION OR ANY MATTER WHICH IT WOULD BE ILLEGAL FOR CAP TO EXCLUDE OR ATTEMPT TO EXCLUDE CAP’S LIABILITY.

• SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES; AS A RESULT, ONE OR MORE OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

• 16. Further disclaimer of CAP

• Except as provided in the Privacy Policy, while CAP will make reasonable commercial efforts to make access to review the Data available on a reasonable basis, CAP accepts no obligation to do so on any pre-agreed basis or at all. CAP may interrupt access to the Data, or terminate access to the Data at any time, without notice or liability. Access to the Data shall in all cases be a privilege and not a right or proprietary interest of any kind. Subject to its privacy policies and applicable law, CAP shall be free to modify, change, delete, share the Data with Costco Wholesale, Participating Dealers and OEM’s and generally deal with the Data as it sees fit. Other parties may have access to the Data and can change, modify, amend or delete the Data. CAP has no control over such third parties and no event will CAP be liable for any reliance by you on the Data.

• 17. Events Outside our Control

• CAP will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under this Agreement that is caused by events outside our reasonable control. CAP’s performance will be deemed to be suspended for the period that any such event continues, and we will have an extension of time for performance for the duration of that period or such longer period as we may reasonably require. We will use our reasonable efforts to end the event or to find a solution by which our obligations may be performed despite the event.

• 18. Enforcement

• CAP's performance of its obligations under this Agreement is subject to all applicable laws and regulatory requirements. Nothing contained in this agreement is in derogation of CAP’s rights and obligations to comply with law enforcement requests or requirements relating to your use of the Website or information provided to, or gathered by CAP with respect to such use.

• 19. Evidence

• Computer records stored in reasonably secure conditions by CAP with respect to the Data, the Website and your access to them will be accepted as conclusive evidence of your conduct, communications and dealings with the Data and the Website. Computer records will be deemed to be stored in reasonably secure conditions if systematically recorded on a durable and inalterable medium, including a write-protected disk, tape, CD or DVD or similar medium, or, if upon an alterable medium, upon reasonable proof that such record has not been altered.

• 20. Injunctive and similar relief

• You agree that any breach by you of this Agreement will not be fully compensable in damages and you therefore agree that CAP shall be entitled to immediate equitable, injunctive and other similar relief against you without notice and without the necessity of proving damages or the likelihood of damages.

• 21. Indemnity

• You agree to indemnify and save harmless CAP for any damages sustained should you breach your warranties and representations or any term or condition of this Agreement.

• 22. Ownership and Grant of limited license

• The Website, its organization and design (including all software code and architecture and the look and feel of the Website and its user interfaces), and all information, images, artwork, text, video, audio, pictures and other material and content on the Site, all of which CAP owns or has the right to use, are protected by copyright and other proprietary rights.

• CAP grants to you a non-exclusive, limited and revocable license to download and view the content available on this Website on your computer for the purposes stated in this Agreement and no other purposes.

• 23. Feedback

• If you send any communications, comments, questions, suggestions, or related materials to us by any method of communication suggesting or recommending changes to the Website, any CAP Service or any product, services or materials offered through the Website or that you would like to see offered through the Website (“Feedback”) then:

• 24. Assignment

• CAP may assign this Agreement to any affiliate or any third party at any time. You may not assign this Agreement or any rights or benefits offered to you by CAP. This Agreement shall remain personal between you and CAP.

• 25. Termination

• In its absolute discretion, CAP may terminate this Agreement at any time with or without notice to you. You may not terminate this Agreement or any provision. This Agreement will remain in force between you and CAP unless and until terminated by CAP and CAP may enforce any and all provisions of this Agreement against you, and, if you are an Agent, against any organization you are employed with or on whose behalf you access the Website or the Data.

• 26. Entire agreement

• This is the entire agreement, contract and understanding between you and CAP and supersedes any prior terms and conditions, agreement or understanding between you and CAP.

• 27. Other sites and Linking

• You agree that (i) CAP has no control over the content or performance of any website linked to or from this Website, (ii) CAP expresses no opinion concerning the content or performance of any such linked website, and, (iii) CAP shall not be held liable or responsible for the content or services of any such linked website. CAP provides all such links for your convenience only; they are not an endorsement or referral by CAP. You access and use those linked sites at your own risk. Those linked sites may have terms of use and privacy policies different from ours, and those terms and policies will apply to your activities on those sites.

• If you wish to provide a link to our Website from your own web site, you may only link to our home page at www.costcoauto.com. You may not use any of our icons or logos on your web site without our prior written approval, and you may not use the link to suggest that we sponsor, endorse, approve of or are affiliated with you or your web site.

• 28. Modifications and Updates

• We may from time to time add new features to the Website, remove existing features from the Website, or otherwise modify the Website, the CAP Services and any of the products, services and content made available through the Website (including their functionality, “look-and-feel”, universal resource locators and software components), all without notice to you or any liability to you.

• 29. Governing law

• This Agreement shall in all respects be governed by the laws of State of Delaware. You agree that any and all disputes will be adjudicated by the Delaware courts. You expressly submit to the jurisdiction of such Delaware courts. The use of the Website in any jurisdiction not giving effect to all provisions of these terms and conditions is unauthorized.

• 30. Severance

• Should any term or provision of this Agreement be held by a court of competent jurisdiction to be unenforceable, then such term or provision shall be severed from this Agreement; provided, however, that the remaining provisions terms and provisions of the Agreement shall continue to be valid and enforced.

• 31. Copyright and trademark notices

• All contents of the Website are: Copyright © Affinity Auto Programs, Inc. Other trade-marks of third parties displayed on the Website are the property of such parties, used with permission. All rights are expressly reserved.

• Your Privacy Choices

• Under certain U.S. State Privacy Laws, you can request that we do not sell Personal Information about you or share it for targeted advertising. To submit a request, complete the form below or call 877-722-4559 and visit our Cookie Preference Center.

• Locate your membership number on the back of the card. The Costco Membership Number is a 12-digit number that starts with 1, 3, or 8.

• By submitting this request, I confirm that the information is true and accurate, and that Costco Auto Program has the right to process this request.

• * Required Fields

• Program Not Available

• Sorry. This program is not available. Thank you for your interest. Unfortunately the program you selected is not available in your area. Please select the program(s) you’re interested in and provide your contact information to receive an email once available.

• Welcome back! Thank you for your continued interest in Costco Auto Program. You previously signed up to receive notifications using . We have updated your preferences to your new ZIP code: . Would you like to use this new ZIP code or keep your previous one?

• Thanks! You have signed up to receive updates for the following:

• We’ll let you know as soon as the program(s) you selected become available in your area.