TOPEKA, Kan. (AP) — Three Kansas community colleges have created an insurance consortium in response to higher insurance rates and new laws that allow weapons on campus. The Independence Community College board of trustees voted last week to join Coffeyville and Neosho community colleges in the consortium. The three community colleges are all insured by EMC Insurance Company, which told colleges last week that it was raising rates in response to a law that allows some guns on campus. The Topeka Capital-Journal reports that the three colleges will buy a policy from Wright Speciality, which has a neutral stance on the new guns laws. Officials say the policy offers a modest savings in the first year but members believe the savings will grow as more education groups join the consortium.