It takes a few minutes, but the best way to get budget auto insurance rates in Kansas City is to make a habit of regularly comparing prices from insurance carriers in Missouri. Price quotes can be compared by completing these steps.
Step 1: Try to comprehend what is in your policy and the changes you can make to drop your rates. Many rating factors that are responsible for high rates like careless driving and a less-than-favorable credit history can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple insurance companies. View companies
Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you can save money, verify that coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the new insurer. As soon as you receive it, place your new proof of insurance certificate in a readily accessible location in your vehicle.
An important part of this process is to compare the same deductibles and limits on each price quote and and to get rates from every insurance company. Doing this enables the most accurate price comparison and the best price quote selection.
We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Consumers who shop around at least once a year will probably switch to a new company because the odds are good of finding a policy with better rates. Remarkably, a study showed that consumers who routinely shopped around saved as much as $850 each year compared to policyholders who don’t regularly compare prices.
If saving money on car insurance in Kansas City is your intention, then learning a little about how to shop and compare insurance premiums can help you succeed in saving money.
The quickest way to compare insurance rates in your area is to take advantage of the fact car insurance companies have advanced systems to compare rate quotes. All consumers are required to do is take a few minutes to give details such as types of safety features, which vehicles you own, if you went to college, and if the car is leased. Those rating factors is instantly provided to multiple insurance providers and they return quotes instantly.
If you wish to get multiple quotes for your Saab 9-5 now, click here and see if a lower rate is available in Kansas City.
The companies shown below are our best choices to provide free quotes in Missouri. To locate cheap auto insurance in Kansas City, it’s a good idea that you compare several of them in order to find the most competitive rates.
Auto insurance is not optional but you don’t have to overpay
Despite the high cost of buying insurance for a Saab 9-5 in Kansas City, buying auto insurance serves an important purpose.
- Most states have mandatory insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to get the vehicle licensed. 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 lien on your Saab, it’s most likely the lender will stipulate that you carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Saab at a significantly higher premium and force you to pay the higher premium.
- Auto insurance protects not only your car but also your financial assets. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your Saab gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is wasting up to $825 a year so you should quote rates at least once a year to save money.
Saab 9-5 insurance charts and tables
The price information displayed below highlights different policy rates for Saab 9-5 models. Learning more about how insurance prices are figured is important to be able to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $152 | $344 | $302 | $18 | $90 | $906 | $76 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can modify insurance rates considerably.
How high should deductibles be?
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below may help to illustrate the premium difference of buying low and high physical damage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in zip code location which can alter coverage rates greatly.
Based on the figures above, using a $250 deductible costs approximately $15 more each month or $180 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 17 months between claim filings, you would probably come out ahead if you choose a higher deductible.
The information below demonstrates how deductible levels and can increase or decrease Saab 9-5 insurance rates for each age group. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Gender-based insurance rates by age
The illustration below compares Saab 9-5 insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Saab 9-5 liability-only versus full coverage
The information below shows the comparison of Saab 9-5 auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no accidents or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Saab 9-5 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your deductible. If you are paying in excess of $600 annually for full coverage, then you might consider buying liability only.
There are some scenarios where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Lower-cost Saab 9-5 insurance quotes in Kansas City
Some companies don’t always advertise every discount in an easy-to-find place, so the below list has both the well known and also the more inconspicuous credits that may apply to you.
- Switch and Save Discount – Some insurance companies provide a discount for switching policies early. You may see this discount when you get Kansas City car insurance quotes online.
- College Student Discount – College-age children who live away from home at college without a vehicle on campus can be insured at a reduced rate.
- Savings for New Vehicles – Insuring a new 9-5 can cost up to 25% less because newer vehicles are generally safer.
- Defensive Driver – Taking part in a defensive driver course is a good idea and can lower rates and also improve your driving technique.
- Save with More Vehicles Insured – Buying coverage for multiple cars on one policy can reduce rates for all insured vehicles.
- Club Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates on your bill.
While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.
The information below visualizes the comparison of Saab 9-5 car insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, multi-car, and marriage discounts applied.
To view insurers that offer many of these discounts in Missouri, click here to view.
Comparing quotes from local Kansas City insurance agencies
Certain consumers just prefer to talk to an insurance agent and there is nothing wrong with that. An additional benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent.
Upon completion of this quick form, your insurance data is sent to local insurance agents that give free quotes for your insurance coverage. You never need to find an agent on your own because prices are sent immediately to your email address. Get lower rates AND a local agent. If you have a need to compare rates from a specific insurance provider, just find their quoting web page and give them your coverage information.
Deciding on a insurance company requires you to look at more than just the premium amount. These are some questions your agent should answer.
- Will you get a loaner vehicle if you car is being repaired?
- Can you use your own choice of collision repair facility?
- Are they involved in claim handling?
- Do they specialize in personal lines auto insurance in Kansas City?
- Will their companies depreciate repairs to your car based on the mileage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How long has their agency been open in Kansas City?
- Is the coverage adequate for your vehicle?
The difference between Kansas City auto insurance agents
When narrowing the list to find a reliable insurance agency, you must know there are a couple types of agencies and how they function. Insurance agencies in Kansas City can be described as either independent or exclusive.
Exclusive Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents are trained well on their company’s products which aids in selling service over price. Consumers sometimes use the same exclusive agent mostly because of high brand loyalty and solid financial strength.
Shown below are exclusive insurance agents in Kansas City who can help you get comparison quotes.
- American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map - Debbie Baker Krough – State Farm Insurance Agent
6300 Walnut – Kansas City, MO 64113 – (816) 361-4200 – View Map - American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map
Independent Agents (or Brokers)
Independent agencies are appointed with more than one company and that allows them to write policies amongst many companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house which is easy for the insured.
If you are comparing insurance prices, we recommend you get some free quotes from at a minimum one independent agency to get the most accurate price comparison. Many write coverage with companies you’ve never heard of that may provide cheaper insurance rates.
Listed below are independent insurance agencies in Kansas City that are able to give comparison quotes.
- Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
It’s not one size fits all
When it comes to buying the best insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different and your insurance should unique, too.
For example, these questions might help in determining whether your personal situation could use an agent’s help.
- Am I covered while delivering pizza?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I pay a claim out-of-pocket?
- Do they offer discounts for home and auto coverage?
- Am I covered when pulling a rental trailer?
- How can I get the company to pay a claim?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is a fancy paint job covered?
- What is covered by UM/UIM coverage?
- Is business equipment covered while in my vehicle?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Cheaper insurance rates are possible
Throughout this article, we presented a lot of ways to compare Saab 9-5 insurance premium rates in Kansas City. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from the least-expected company. Regional companies may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.
Budget-friendly insurance in Kansas City can be found both online and from local insurance agents, so get free Kansas City car insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not provide rates over the internet and usually these smaller providers prefer to sell through independent insurance agents.
For more information, link through to the articles below:
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Ford Fusion? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Auto Insurance 101 (About.com)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)