A recent survey discovered that the vast majority of consumers have stayed with the same insurance company for four years or more, and roughly 40% of drivers have never even shopped around for affordable coverage. With the average auto insurance premium being $1,500, Kansas City drivers could save 25% each year, but they mistakenly think it’s difficult to compare rate quotes.
It takes a few minutes, but the best way to find lower priced auto insurance prices is to compare prices at least once a year from insurers who can sell car insurance in Kansas City.
- First, take a few minutes and learn about policy coverages and the modifications you can make to drop your rates. Many factors that cause rate increases like traffic tickets, fender benders, and a negative credit score can be controlled by making minor changes in your lifestyle. Read the full article for instructions to prevent high rates and get discounts that may be available to you.
- Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.
- Third, compare the quotes to your existing policy and see if there is a cheaper rate in Kansas City. If you can save some money and switch companies, verify that coverage does not lapse between policies.
The critical component of shopping around is that you’ll want to make sure you compare the same level of coverage on every quote request and and to get prices from as many car insurance companies as possible. Doing this ensures a fair rate comparison and a thorough price selection.
The companies shown below can provide comparison quotes in Missouri. In order to find cheap auto insurance in MO, we suggest you visit two to three different companies in order to find the most competitive rates.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium |
|---|---|---|---|
| Chevrolet Equinox LS 2WD | $784 | $392 | $65 |
| Chevrolet Malibu LS | $784 | $392 | $65 |
| Chevrolet Silverado LS Crew Cab 4WD | $856 | $428 | $71 |
| Dodge Ram Crew Cab Sport 4WD | $922 | $461 | $77 |
| Ford Escape XLS 4WD | $662 | $331 | $55 |
| Ford Explorer XLT 4WD | $732 | $366 | $61 |
| Ford F-150 XLT Regular Cab 4WD | $732 | $366 | $61 |
| Ford Focus SE 4-Dr Sedan | $764 | $382 | $64 |
| Honda Accord LX 4-Dr Sedan | $662 | $331 | $55 |
| Honda CR-V LX 2WD | $662 | $331 | $55 |
| Honda Civic EX-L 4-Dr Sedan | $886 | $443 | $74 |
| Hyundai Elantra GLS Touring Station Wagon | $662 | $331 | $55 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $748 | $374 | $62 |
| Nissan Altima 2.5 S 4-Dr Sedan | $836 | $418 | $70 |
| Toyota Camry XLE | $836 | $418 | $70 |
| Toyota Corolla XLE | $836 | $418 | $70 |
| Toyota RAV4 2WD | $784 | $392 | $65 |
| Get Rate Quotes for Your Vehicle Go | |||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in zip code location which can increase or decrease premium rates greatly.
Discounts mean cheaper rates
Some companies do not list every policy discount very well, so here is a list both the well known and also the lesser-known discounts you could be receiving when you buy Kansas City auto insurance online.
- Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- College Student – Kids who attend college more than 100 miles from Kansas City without a vehicle on campus can receive lower rates.
- E-sign Discounts – A few insurance companies provide a small discount for buying a policy and signing up over the internet.
- Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save a little on medical payment and PIP coverage.
- Anti-theft Discount – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a Kansas City auto insurance quote.
- Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may get savings of more than 20%.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
- Discount for Multiple Policies – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find low cost Kansas City auto insurance.
- Save over 55 – Drivers over the age of 55 could receive reduced rates.
You can save money using discounts, but some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts should definitely cut your policy cost.
The best auto insurance companies and their offered discounts are included below.
- State Farm has discounts for anti-theft, multiple autos, Steer Clear safe driver discount, accident-free, and safe vehicle.
- Esurance policyholders can earn discounts including multi-policy, paid-in-full, claim free, good student, anti-theft, and good driver.
- Progressive has savings for multi-policy, multi-vehicle, online quote discount, good student, homeowner, and online signing.
- Liberty Mutual offers discounts for new vehicle discount, new graduate, safety features, newly married, new move discount, and multi-car.
- Auto-Owners Insurance includes discounts for company car, group or association, mature driver, teen driver, good student, and air bags.
- GEICO may include discounts for air bags, defensive driver, daytime running lights, anti-theft, anti-lock brakes, and five-year accident-free.
If you want cheaper Kansas City auto insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be offered in Kansas City. If you would like to view providers with the best auto insurance discounts in Kansas City, click this link.
Local agents and car insurance
A small number of people would rather buy from a local agent and doing that can be a smart decision Experienced insurance agents are trained risk managers and give you someone to call. The best thing about getting online price quotes is the fact that you can find cheap car insurance quotes and still choose a local agent.
By using this short form, the quote information gets sent to companies in Kansas City that provide free Kansas City auto insurance quotes to get your business. You never need to find an agent on your own since price quotes are sent instantly to you. If you wish to get a price quote from a specific company, feel free to find their quoting web page and submit a quote form there.
Finding a good insurance company needs to be determined by more than just the premium amount. The answers to these questions are important, too.
- Will they give you a referral list?
- What are their preferred companies if they are an independent agency?
- How many years of experience in personal auto insurance do they have?
- How long have they been in business?
- By raising physical damage deductibles, how much would you save?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they assist clients in filing claims?
- Do they specialize in personal lines auto insurance in Kansas City?
Smart buyers save more
Many factors are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as your marital status or how financially stable you are. Consumers need to have an understanding of the rating factors that are used to determine your premiums. When consumers understand what controls the rates you pay, this enables informed choices that will entitle you to big savings.
- Deter theft and pay less – Choosing to buy a car with an alarm system can save you some money. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft and help lower rates.
- Reduce car insurance rates by driving safer vehicles – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
- Don’t buy extra policy coverages you don’t need – Policies have extra bells and whistles that can waste your money if you don’t pay attention. Add-on coverages like personal injury protection, high-cost glass coverage, and term life insurance are some examples. They may seem good at first, but if you don’t need them consider taking them off your policy.
- High coverage deductibles lower premiums – Deductibles for physical damage tell how much you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more you have to pay, the better rate you will receive.
- Poor credit rating equals high prices – Having a good credit rating will be a significant factor in calculating your premium rate. Therefore, if your credit score can use some improvement, you could pay less to insure your vehicle if you clean up your credit. Insureds that have excellent credit scores tend to be more responsible than drivers who have bad credit.
Why you need to buy insurance
Despite the high insurance cost in Kansas City, insurance serves an important purpose.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, almost all lenders will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may insure your vehicle at an extremely high rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance preserves both your vehicle and your personal assets. Insurance will pay for medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $800 each year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.
Car insurance overall losses by make and model
Which vehicles have good claim ratings? The following statistics list the best and worst vehicle models for the probability of having to file claims for each type of coverage listed.
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Subaru Outback | Mitsubishi Mirage |
| Mercedes-Benz SL Class | Hyndai Accent |
| Acura MDX | Chevrolet Cruze |
| Volvo XC60 | Dodge Charger |
| Chevrolet Corvette | Mitsubishi Lancer |
| Audi A6 | Chevrolet Sonic |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Nissan Leaf | BMW M6 |
| Ford F-350 | Mercedes-Benz S Class |
| Chevy Silverado 2500 | Porsche Panamera GTS |
| Nissan Xterra | Bentley Continental GTC |
| Infiniti QX50 | BMW M6 |
| GMC Sierra 2500 | Maserati Quattroporte |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Ford F-250 SuperCab | Nissan GT-R |
| Jeep Wrangler | Maserati Ghibli |
| Nissan Xterra | Bently Continental GTC |
| Chevrolet Colorado | Bentley Continental Flying Spur |
| Smart ForTwo | Ferrari 458 |
| GMC Canyon | Audi RS7 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Chevrolet Corvette | Kia Forte |
| Chevrolet Silverado 2500 | Nissan Versa |
| Ford Expedition | Hyundai Accent |
| Audi A4 Allroad | Nissan Sentra |
| Tesla Model S | Chevrolet Sonic |
| Ford F-350 SuperCrew | Mitsubishi Lancer |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Shop around and save
In this article, we presented a lot of techniques to reduce auto insurance prices online in Kansas City. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with some of the lesser-known companies.
Consumers change insurance companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, denial of a claim or an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.
More affordable auto insurance in Kansas City can be bought online and with local Kansas City insurance agents, so you need to shop Kansas City auto insurance with both so you have a total pricing picture. Some auto insurance companies do not offer online rate quotes and many times these smaller companies provide coverage only through local independent agencies.
Other resources
- Understanding your Policy (NAIC.org)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Quotes for Nurses in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with Bad Credit in Kansas City? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Requiring a SR22 in Kansas City? (FAQ)
- Side Impact Crash Tests (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)