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Auto Insurance

The best coverage and policies you can find.

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Auto Insurance

Central National Bank offers a variety of policy options to keep you and your loved ones safe out on the road.

Car in parking lot


  • Liability Insurance
  • Comprehensive Coverage
  • Collision Insurance
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Accident Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Personal Injury Protection (PIP)
  • Medical Payments Coverage
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We get a lot of questions about "full coverage" policies. If you combine Comprehensive Insurance with Collision Insurance, that is often referred to as "full coverage".

What is the difference in each policy?

Trying to figure out what coverage is best for you can be difficult. We're here to make it easier for you to understand. Here is a breakdown of the different policies and the details of the policies.

Man inspecting car

Liability Insurance

Liability is designed to cover you by paying for damages to another person or their property during an accident. This includes medical bills, legal settlements and repairs that you caused.

Generally, when a vehicle is not worth much, people tend to drop a policy to liability only because it is the least expensive policy to carry. When you register a vehicle with the state you must prove that you have Liability Insurance.

All auto policies include liability insurance.

Tree on car

Comprehensive Insurance

Comprehensive coverage will cover damage to your vehicle not caused by a collision. This includes theft, natural disasters, vandalism as well as damage caused by accidents involving an animal, like a deer. Comprehensive Insurance does not cover damage to your car, another person's car in a collision, or medical expenses.

Two car collision

Collision Insurance

Collision will cover your damages in an accident regardless of who is at fault. This is different from liability as liability will cover damage to someone else’s property, this will cover damages to you vehicle. Comprehensive and collision group together is often referred to as "full coverage".

Car accident

Personal Injury Protection (PIP)

PIP is designed to cover you in case you are injured in an accident. Coverage can include hospitalization, operations, rehabilitation costs, lost wages if you're unable to work, as well as other various costs while you recover. PIP is required in the state of Kansas.


Uninsured/Underinsured Motorist Coverage

Protects you when someone does not have insurance to cover the damages, or the damages exceed their coverage following an accident. Uninsured/Underinsured Motorist coverage will also cover medical expenses if you are in an accident.

Not Sure? That's OK.

We have agents all over the region who are happy to help you learn more about coverages and help you figure out what's best for you.

Our Agents

Independent Insurance Agency

Operating as an Independent Insurance Agency allows us to get you a quote from over 80 different insurance companies. A few of the companies we can quote for include, but are not limited to:

Upland Insurance
Marysville Insurance
Farmers Alliance Insurance
BFMIC Insurance
Kansas Mutual Insurance Company
AllState Insurance

Auto and Much More

Roadside Service icon

Roadside Service

An add-on service that can cost between $5 and $10.

Rental Reimbursement icon

Rental Reimbursement

Don't get left without a ride while your car is undergoing repairs following an accident.

Bundle Your Policies icon

Bundle Your Policies

Many companies offer discounted rates for bundling a home and auto policy together.

Auto Loans

One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater.

Auto Loans

One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater.

Frequently Asked Questions

Where can I get a Central Insurance Agency policy?

We are accessable from any Central National Bank location, and have insurance offices in many of our branches. We have Agents that are licensed to sell in Colorado, Kansas, Missouri and Nebraska.

What factors go into determining my monthly premium?

The best way to estimate your premium is to get a quote as there are many factors that go into the determination of your monthly premium. Some of those factors are age, marital status, the type of car, driving record, your credit history and much more.

What information do you need from me?

At a minimum, we will need your name, address, phone number, Social Security number, and drivers license number.

How can I make payments?

You can make payments by mail, in person with your agent, by phone; or you can set up an automatic payment at the time of application.

Do you insure Commercial Autos?

We do! Visit with your local agent to learn more.

How do I get a quote?

You can visit your local branch and get a free quote from one of our Agents, or you can request a quote online.

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Please Note

Insurance products:

•are NOT a Deposit

•are NOT FDIC Insured

•are NOT Insured by any Federal Government Agency

•are NOT Guaranteed by the Bank

•MAY Go Down in Value when an Investment Component is Present

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

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