How to Save on Auto Insurance in Kansas City

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.

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.

Car Insurance Rates for Popular Vehicles in Kansas City
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.Auto insurance discounts

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.

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.

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.

Why you need to buy insurance

Despite the high insurance cost in Kansas City, insurance serves an important purpose.

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.

Liability Coverage Claims by Vehicle Make and Model
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

Comprehensive Coverage Claims by Vehicle Model
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 and Highest Collision Coverage Claims by Vehicle
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

Medical Payment Coverage Claims by Vehicle Model
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.

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