How to Save on Scion tC Insurance in Kansas City

Insurance for Scion tCIt’s an obvious assumption that auto insurance companies don’t want you comparing rates. Drivers who shop around for better prices are inclined to switch companies because there are good odds of finding a policy with better rates. A recent study showed that people who shopped around saved approximately $70 a month compared to policyholders who never shopped around.

If finding the best price on Scion tC insurance is your ultimate goal, knowing how to find and compare insurance rates can help simplify the task of finding more affordable coverage.

Truthfully, the best way to get the cheapest car insurance rates is to begin comparing prices regularly from insurance carriers who provide auto insurance in Kansas City. You can compare rates by following these guidelines.

  1. Read and learn about how car insurance works and the things you can change to prevent expensive coverage. Many rating factors that increase rates like traffic citations and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes.
  2. Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide prices for a wide range of companies.
  3. Compare the quotes to your existing coverage to determine if switching companies saves money. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One important bit of advice is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. Doing this provides an accurate price comparison and a complete selection of prices.

Smart Choices Result in Lower Insurance Prices

It’s important that you understand some of the elements that help determine your premiums. If you understand what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The factors shown below are some of the major factors used by insurance companies to determine prices.

When comparison shopping, there are several ways of comparing rates from all the different companies. The best method to do a complete rate comparison involves getting comparison quotes online.

Online shopping is fast and free, and it makes it a waste of time to drive around to and from local Kansas City insurance agencies. Comparing Scion tC insurance rates online has reduced the need for local agents unless you want the trained advice of a local Kansas City agent. You can, however, price shop your coverage online but still have the advice of a local agent. It’s important to know that comparing more rates from different companies helps you find more affordable rates. Some regional insurers cannot provide Kansas City tC insurance quotes over the internet, so it’s important to compare quotes from them, too.

The companies shown below provide comparison quotes in Missouri. To buy cheaper auto insurance in Kansas City, we suggest you click on several of them in order to find the most affordable rates.

Statistics and details

The table displayed next covers a range of rate quotes for Scion tC models. Learning as much as possible about how auto insurance prices are figured helps drivers make decisions on which coverage to buy.

Scion tC Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $254 $690 $450 $26 $134 $1,554 $130
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in Kansas City location which can lower or raise coverage prices substantially.

The diagram below illustrates how your deductible choice and can affect Scion tC insurance prices for different age categories. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Drive responsibly or pay higher rates

The information below illustrates how traffic citations and accidents can affect Scion tC car insurance rates for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The chart below shows the comparison of Scion tC premium costs when comparing full coverage to liability only. The costs are based on no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no set guideline to drop full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Scion tC settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $7,000 after the deductible is paid. If it’s costing you more than $700 annually to have full coverage, then it may be the right time to buy liability only.

There are some conditions where dropping physical damage coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Auto insurance is an important decision

Even though it’s not necessarily cheap to insure a Scion in Kansas City, insuring your vehicle is required in Missouri but it also protects you in many ways.

First, almost all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance coverage if you want to drive 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.

Second, if you have a loan on your car, almost every bank will require you to have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Scion at a significantly higher premium and require you to reimburse them for the expensive policy.

Third, insurance safeguards both your vehicle and your personal assets. Insurance will also pay for many types of medical costs that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.

The benefits of insuring your car more than cancel out the cost, specifically if you ever have a liability claim. The average driver in Missouri overpays as much as $855 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.

Don’t neglect these money saving discounts

Some insurance providers don’t always list all discounts in a way that’s easy to find, so the list below details a few of the more well known and the more hidden insurance savings. If you do not double check each discount possible, you could be getting lower rates.Cheaper insurance with discounts

Please keep in mind that some credits don’t apply to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, it’s just not the way it works.

The diagram below shows the comparison of Scion tC car insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims, a clean driving record, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, claim-free, and multi-car discounts applied.

If you would like to choose from a list of insurance companies that offer many of these discounts in Kansas City, click here to view.

Compare rate quotes but buy from a local Kansas City insurance agency

Certain consumers just want to get advice from a local agent and often times that is recommended A good thing about price shopping on the web is that you can obtain the best rates and still have a local agent. Buying from and supporting small agencies is important especially in Kansas City.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who will return price quotes and help you find cheaper coverage. You won’t even need to leave your computer since rate quotes are delivered directly to your email. Get lower rates and work with a local agent. If for some reason you want to quote rates from one company in particular, don’t hesitate to go to their quote page and fill out their quote form.

If you are searching for a reliable insurance agency, you should know the types of insurance agents and how they are distinctly different. Insurance agents may be either independent agents or exclusive agents.

Independent Insurance Agents

Agents that choose to be independent do not work for one specific company so they have the ability to put coverage through many different insurance companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company and you stay with the same agent. When shopping rates, we highly recommend that you include price quotes from several independent agencies to get the most accurate price comparison.

The following is a list of independent agencies in Kansas City that may be able to provide free insurance rate quotes.

9233 Ward Pkwy #124Kansas City, MO 64114(816) 361-6442View Map

315 E 18th AveKansas City, MO 64116(816) 454-8833View Map

406 W 34th St #802Kansas City, MO 64111(816) 931-3341View Map

More Kansas City agents

Exclusive Agents

Agents in the exclusive channel generally can only insure with one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point.

Shown below is a short list of exclusive insurance agencies in Kansas City willing to provide price quote information.

6300 WalnutKansas City, MO 64113(816) 361-4200View Map

8600 Ward Pkwy #2070Kansas City, MO 64114(816) 363-3187View Map

Allen Jones – State Farm Insurance Agent
8900 Wornall RdKansas City, MO 64114(816) 361-6362View Map

More Kansas City agents

Selecting an car insurance agent should depend on more than just a cheap quote. Here are some questions you should ask.

What is the best auto insurance company in Missouri?

Choosing the top car insurance company can be a challenge considering how many companies sell coverage in Missouri. The company rank data in the next section can help you pick which car insurance providers you want to consider purchasing from.

Top 10 Kansas City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Nationwide
  3. State Farm
  4. Safeco Insurance
  5. American Family
  6. Titan Insurance
  7. Travelers
  8. Liberty Mutual
  9. GEICO
  10. Allstate

Top 10 Kansas City Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Final considerations

We just covered many ways to find cheaper Scion tC insurance in Kansas City. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Some companies may not offer online rate quotes and these small insurance companies only sell coverage through independent agencies. Cheaper auto insurance in Kansas City is available on the web as well as from insurance agents, and you need to price shop both to have the best selection.

Additional information can be read at the links below