Did you make the mistake of buying an expensive car insurance policy? Believe me, you’re not alone.
A recent study showed that most drivers have bought car insurance from the same company for four years or more, and almost 40% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,500, Missouri drivers can save hundreds of dollars each year by just comparing rate quotes, but they just feel it’s too hard to find cheap car insurance rates. Lots of insurers contend for your business, so it can be very hard to choose a provider to find the best rate on Volkswagen Golf SportWagen insurance in Kansas City.
You need to compare rates every six months since prices tend to go up over time. Despite the fact that you may have had the best rates on Volkswagen Golf SportWagen insurance in Kansas City six months ago you can probably find a lower rate today. You’ll find a ton of advice on Golf SportWagen insurance on the internet, but in a few minutes you can learn some solid techniques on how to slash your car insurance rates in Kansas City.
If you have coverage now or just want a better rate, you can use these tips to find better prices without reducing protection. Locating the best insurance company for you in Kansas City is really quite easy. Smart buyers just have to know the best way to get comparison quotes using one simple form.
The most recommended method to get rate comparisons for Volkswagen Golf SportWagen insurance in Kansas City takes advantage of the fact most of the larger companies have advanced systems to provide you with a free rate quote. To get started, all you need to do is give the companies some data including whether you drive to work or school, types of safety features, if the vehicle is leased, and whether you are married. The data is submitted instantly to multiple auto insurance providers and they return rate quotes instantly to find the best rate.
To check Volkswagen Golf SportWagen insurance prices now, click here and complete the form.
The companies shown below are our best choices to provide quotes in Kansas City, MO. If you want to find the best cheap auto insurance in Missouri, it’s highly recommended you compare several of them to find the most competitive car insurance rates.
Why you need to buy auto insurance
Even though it’s not necessarily cheap to insure a Volkswagen in Kansas City, insurance is required in Missouri but also provides important benefits.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car legally. 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 your Volkswagen has a loan, it’s guaranteed your bank will require you to carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Volkswagen for a lot more money and force you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your Volkswagen but also your assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in Missouri is currently overpaying as much as $855 a year so you should quote your policy with other companies at least once a year to save money.
Earn discounts on Kansas City insurance
Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but less common discounts must be specifically requested before they will apply.
- Paperwork-free – A few companies will give you a small discount shop Kansas City car insurance digitally online.
- Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one insurance company they may give you a discount of up to 20% and get you cheap Golf SportWagen insurance.
- Early Renewal Discounts – A few larger companies give discounts for switching to them before your current expiration date. It could save around 10% when you buy Kansas City car insurance online.
- Membership in Organizations – Being a member of a qualifying organization may earn a discount on insurance.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the PIP or medical payment premium.
While discounts sound great, it’s important to understand that some credits don’t apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.
Insurance companies who might offer some of the discounts shown above include:
If you need affordable Volkswagen Golf SportWagen insurance quotes, ask each company to give you their best rates. Some of the earlier mentioned discounts may not be offered in every state. To see insurance companies that offer the discounts shown above in Missouri, follow this link.
Car insurance agents can help
Certain consumers prefer to sit down and talk to an agent and often times that is recommended Licensed agents are trained to spot inefficiencies and help file insurance claims. The best thing about price shopping on the web is that you can find lower rates but also keep your business local. Buying insurance from small agencies is definitely important in Kansas City.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to companies in Kansas City who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house as quotes are delivered directly to your email. If for some reason you want to compare prices from a particular provider, just visit that company’s website to submit a rate quote request.
When researching a reliable insurance agency, it can be helpful to understand the different agency structures and how they work. Insurance agencies can be described as either independent or exclusive. Both sell and service insurance coverage, but it’s worth learning the difference between them since it could factor into the selection process.
Independent agencies are not limited to a single company and that enables them to quote your coverage through many companies enabling the ability to shop coverage around. If you want to switch companies, they simply switch companies in-house and that require little work on your part.
If you are comparing rate quotes, you will definitely want to compare quotes from several independent insurance agents for the best price selection.
Featured below is a small list of independent insurance agents in Kansas City who may provide comparison quotes.
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on sales techniques which helps overcome the inability to quote other rates.
The following is a short list of exclusive agents in Kansas City that are able to give price quote information.
Finding the right auto insurance agent is decision based upon more than just a cheap price. These questions are important to ask:
- By raising physical damage deductibles, how much would you save?
- If they are an independent agency in Kansas City, which companies do they recommend?
- Are there any discounts for paying up front?
- How much experience to they have in personal lines coverages?
- Does the company use OEM repair parts?
- What insurance companies do they work with in Kansas City?
- Are claim adjusters local or do you have to take your car somewhere else?
Once you have satisfactory answers to all your questions as well as a affordable price, chances are good that you have found a car insurance agent that will insure your vehicles.
Which policy gives me the best coverage?
Always keep in mind that when comparing adequate coverage, there really is no single plan that fits everyone. Your needs are unique to you.
Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.
- Does coverage follow the driver or the vehicle?
- Is a blown tire covered by insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Is my camper covered for physical damage?
- Which companies will insure me after a DUI?
- What exactly is covered by my policy?
- Do I have coverage when pulling a U-Haul trailer?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Insurance policy specifics
Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your Golf SportWagen to bring the cost down.
Comprehensive coverage (or Other than Collision)
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like pain medications, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
Coverage for liability
Liability insurance can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like court costs, repair bills for other people’s vehicles, attorney fees, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Missouri state law requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.
The illustration below shows why low liability limits may not provide adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many Missouri drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Be persistent and save
Throughout this article, we presented quite a bit of information on how to find lower-cost Volkswagen Golf SportWagen insurance in Kansas City. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Kansas City car insurance quotes. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
As you quote Kansas City car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage only to find out that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
Discount Volkswagen Golf SportWagen insurance in Kansas City can be found online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not provide internet price quotes and these small insurance companies provide coverage only through independent agencies.
How to find cheaper rates for Volkswagen Golf SportWagen insurance in Kansas City
If you want to save the most money, the best way to get more affordable Volkswagen Golf SportWagen insurance is to regularly compare prices from companies in Kansas City. You can compare prices by following these guidelines.
First, spend a few minutes and learn about how insurance companies determine prices and the things you can change to keep rates low. Many things that increase rates like speeding tickets, accidents and a not-so-good credit score can be controlled by being financially responsible and driving safely.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
Third, compare the new quotes to your existing rates and determine if cheaper Golf SportWagen coverage is available. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
A crucial key to this process is that you’ll want to compare the same liability limits and deductibles on every price quote and and to get rate quotes from as many carriers as you can. Doing this ensures a fair price comparison and a good representation of prices.
Additional detailed information can be found at these sites:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much is Kansas City Auto Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Kansas City? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)