It’s safe to assume that insurance companies don’t want you quoting rates from other companies. People who compare rates once a year will probably switch insurance companies because they stand a good chance of finding a cheaper policy. A recent survey discovered that people who routinely compared rates saved $865 annually compared to other drivers who never shopped around.
If finding the lowest rates on insurance is your ultimate target, understanding the best way to compare coverage rates can help you succeed in finding affordable rates.
The preferred way to get budget auto insurance rates in Kansas City is to make a habit of comparing prices annually from providers in Missouri.
First, get a basic knowledge of how insurance companies determine prices and the factors you can control to lower rates. Many things that drive up the price like your driving record and an unfavorable credit rating can be eliminated by being financially responsible and driving safely. Read the full article for more ideas to help prevent expensive coverage and earn a bigger discount.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.
Fourth, give notification to your agent or company to cancel the current policy. Submit the signed application along with the required initial payment for the new policy. Don’t forget to place the new certificate of insurance in a readily accessible location in your vehicle.
The critical component of shopping around is to compare the same physical damage deductibles and liability limits on each price quote and and to compare as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and a thorough price selection.
Cheap auto insurance in Kansas City, MO
The following companies are our best choices to provide comparison quotes in Kansas City, MO. To locate cheaper car insurance in MO, we recommend you visit as many as you can in order to get a fair rate comparison.
Get cheaper Suzuki XL-7 insurance in Kansas City with discounts
The cost of insuring your cars can be expensive, but you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specially asked for before you get the savings. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.
- Good Grades Discount – A discount for being a good student can save 20 to 25%. You can use this discount normally up to age 25.
- Discount for Multiple Policies – When you have multiple policies with the same company you will save at least 10% off all policies.
- Early Switch Discount – Some companies reward drivers for renewing your policy before your current XL-7 insurance policy expires. You can save around 10% with this discount.
- Kansas City Homeowners Pay Less – Just being a homeowner may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
- New Vehicle Savings – Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
- More Vehicles More Savings – Purchasing coverage when you have multiple cars or trucks on a single policy qualifies for this discount.
- Onboard Data Collection – Drivers who elect to allow driving data collection to spy on driving manner by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
- Paperwork-free – A few companies will give you a small discount for completing your application on the web.
- Active Military Service – Being deployed with a military unit may qualify for rate reductions.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount should help reduce the cost of coverage.
To see a list of providers that can offer you the previously mentioned discounts in Kansas City, follow this link.
Good Decisions Result in Lower Insurance Rates
It’s important that you understand the rating factors that go into determining your policy premiums. When you understand what controls the rates you pay, this helps enable you to make changes that may reward you with cheaper rates. Lots of things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, although some other factors are not quite as obvious like your vehicle usage or your commute time.
- Add-on coverages you don’t use – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying on your XL-7 policy. Things like rental car coverage, accident forgiveness, and Farm Bureau memberships may be wasting your money. These coverages may sound good when discussing your needs, but now you might not need them so eliminate the coverages to reduce your premium.
- Pay less if you’re married – Having a wife or husband may earn you lower rates on your insurance bill. Having a spouse may mean you are more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
- Teenagers are high risk – Older, more experienced drivers are viewed as being more responsible, are lower risk to insure, and receive fewer citations. Young drivers are proven to be inattentive with other occupants in the car therefore insurance rates are much higher.
- Does your employer cost you more? – Careers like doctors, business owners, and financial analysts tend to pay the highest average rates because of intense work-related stress and lots of time spent at work. Other careers like farmers, athletes and performers generally pay rates lower than average.
- Insurance rates are higher for high performance vehicles – The performance of the car you are trying to find cheaper insurance for makes a big difference in the rate you pay. The lowest performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
- Big cities have higher premiums – Being located in a rural area can save you money when shopping for auto insurance. Lower population means reduced accidents in addition to lower liability claims. Drivers in populated Missouri areas regularly have more auto accidents and much longer commute distances. The longer drive time means a statistically higher chance of an accident.
- Bad credit hurts insurance premiums – Credit history is likely to be a major factor in determining what you pay. If your credit score is lower than you’d like, you could pay less to insure your Suzuki XL-7 by spending a little time repairing your credit. Consumers who have good credit tend to file fewer claims and have better driving records as compared to drivers with lower ratings.
- Vehicle options that cut rates – Driving a car with advanced anti-theft systems can save you some money. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your car from being stolen.
Situations that may require an agent’s advice
Always keep in mind that when comparing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that.
These are some specific questions might point out if your insurance needs would benefit from professional advice.
- Am I insured when driving a different vehicle?
- Should I have combined single limit or split liability limits?
- Are there any extra discounts I can get?
- When should my teen driver be added to my policy?
- How do I insure my teen driver?
- If my Suzuki XL-7 is totaled, can I afford another vehicle?
- Can my babysitter drive my car?
- When should I not buy collision coverage?
- Will I lose any money if I cancel my policy before it expires?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Insurance agent or online?
Many drivers just want to buy from a local agent and that is a personal choice. Good insurance agents can help determine the best coverages and will help you if you have claims. One of the great benefits of comparing rate quotes online is that you can find cheap car insurance rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, the coverage information is transmitted to agents in your area who will gladly provide quotes for your coverage. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to you directly. If you have a need to compare rates from a particular provider, don’t hesitate to jump over to their website and complete a quote there.
Finding the right company shouldn’t rely on just the bottom line cost. Any agent in Kansas City should have no problem answering these questions:
- How long have they worked with personal auto insurance coverage?
- Does the company use OEM repair parts?
- Do they get paid more for recommending certain coverages?
- Do they see any coverage gaps in your plan?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
If you would like to find a local Kansas City insurance agency, you should know the different types of agencies and how they can write your policy. Car insurance policy providers can be described as either exclusive or independent. Both can insure your vehicles properly, but it’s worth learning why they differ because it may have an impact on the type of agent you choose.
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare rates from other companies so it’s a take it or leave it situation. These agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Many people use the same agent mostly because of the brand name rather than having the cheapest rates.
Listed below is a short list of exclusive insurance agencies in Kansas City who can help you get price quotes.
- American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 – View Map - American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map - Jamie Bilton – State Farm Insurance Agent
10901 Hickman Mills Dr Ste D – Kansas City, MO 64137 – (816) 763-5444 – View Map
Independent Car Insurance Agencies
These type of agents do not work for one specific company so they can write business with multiple insurance companies and help determine which has the cheapest rates. If prices rise, an independent agent can move your coverage and the insured can keep the same agent.
When comparing rates, you definitely need to check rates from independent agents to have the most options to choose from. Most have the option of insuring with smaller companies which can be an advantage.
Below is a short list of independent insurance agencies in Kansas City who can help you get rate quotes.
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map - DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map - Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map
How to find a good Missouri auto insurance company
Ending up with the best car insurance company is difficult considering how many companies sell insurance in Missouri. The company information below can help you analyze which coverage providers to look at when shopping around.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Affordable car insurance premiums are possible
As you prepare to switch companies, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage and learned later that the savings was not a smart move. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
You just learned some good ideas how you can compare Suzuki XL-7 insurance auto insurance rates in Kansas City. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.
More resources
- Understanding your Policy (NAIC.org)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Chevrolet Equinox? (FAQ)
- Who Has Affordable Auto Insurance for 16 Year Olds in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance for Uber Drivers? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Highlander in Kansas City? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)
- Driving in Bad Weather (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)