Garrard finished with 18 completions on 27 throws for 264 yards.
Matt Cassell threw two touchdown passes to Chris Chambers during a 15-point Chiefs' surge in the final quarter, one for 54 yards and the other on a 5-yard play.
Cassell was 23-of-39 for 262 yards.
Ryan Succop kicked field goals of 45 and 21 yards for the Chiefs (1-7).
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