Remarkably, a study showed that a large majority of drivers kept their coverage with the same auto insurance company for more than four years, and practically 40% of auto insurance customers have never even compared rates from other companies. Many consumers in Kansas City could save an average of $323 each year by just comparing rate quotes, but they just assume it takes a lot of time to compare other rate quotes.
To save the most money, the best way to get affordable Chevy Tracker insurance in Kansas City is to start doing an annual price comparison from providers in Missouri. Price quotes can be compared by completing these steps.
- Get a basic knowledge of what coverages are included in your policy and the steps you can take to lower rates. Many factors that result in higher prices like accidents, traffic tickets, and an unfavorable credit rating can be eliminated by making minor changes to your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can provide prices for a wide range of companies.
- Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Tell your current agent or company to cancel your current policy. Submit payment and a signed application to your new carrier. Once received, safely store the certificate verifying proof of insurance in an easily accessible location.
An important bit of advice to remember is to use similar deductibles and liability limits on every price quote and and to get price quotes from every insurance company. This guarantees a fair price comparison and a thorough price selection.
The following companies offer free rate quotes in Missouri. If you want cheap auto insurance in Kansas City, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Auto insurance is not optional but you don’t have to overpay
Even though it can be expensive, buying auto insurance serves several important purposes.
- Most states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection if you don’t want to risk a ticket. 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 Chevy has a lienholder, most lenders will stipulate that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may insure your Chevy at a significantly higher premium and force you to reimburse them much more than you were paying before.
- Insurance safeguards not only your car but also your financial assets. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Chevy as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying more than $830 a year so we recommend shopping around at every renewal to help ensure money is not being wasted.
Chevy Tracker Insurance Rate Factors
One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that are used to determine your policy premiums. If you know what determines base rates, this allows you to make good choices that can earn you cheaper rates.
- Never let your coverage expire – Having an insurance coverage lapse can be a guaranteed way to increase your car insurance rates. Not only will you pay more, getting caught without coverage could result in a fine, jail time, or a revoked license. You may have to file a SR-22 with the Missouri motor vehicle department.
- Is your car built for speed? – The performance of the car or truck you need insurance for makes a huge difference in your premium level. The best insurance prices will normally be found when insuring lower cost passenger models, but many other things help determine your insurance rates.
- File policy claims and pay more – If you file claims often, you can definitely plan on either higher rates or even cancellation. Car insurance companies in Missouri give discounts to insureds that do not abuse their auto insurance. Auto insurance is designed for more catastrophic claims.
- Incidental coverages can cost a lot – Policies have additional extra coverages that you can buy if you don’t pay attention. Coverage for things like roadside assistance, better glass coverage, and extra equipment coverage may be wasting your money. You may think they are a good idea when talking to your agent, but your money might be better spent on other coverage so think about removing them and cutting costs.
Situations that may require an agent’s advice
When quoting and choosing proper insurance coverage, there really isn’t a cookie cutter policy. Everyone’s situation is unique and your car insurance should be unique as well.
For instance, these questions might help in determining if you might need an agent’s assistance.
- Should I file a claim if it’s only slightly more than my deductible?
- Is my teen driver covered when they drive my company car?
- Can I drive in Mexico and have coverage?
- Can I get by with minimal medical coverage if I have good health insurance?
- Is water damage covered by my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Missouri car insurance companies ranked
Ending up with a highly-rated company can be difficult considering how many different insurance companies sell coverage in Kansas City. The ranking data in the next section could help you analyze which car insurance providers you want to consider purchasing a policy from.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- AAA Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
- Titan Insurance
Top 10 Kansas City Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Auto insurance savings summarized
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. In many cases, consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
Cheaper auto insurance in Kansas City is attainable from both online companies as well as from independent agents in Kansas City, so you need to quote Kansas City auto insurance with both to have the best rate selection. There are still a few companies who may not provide rates over the internet and these regional insurance providers only sell through independent agents.
Additional detailed information is available in the articles below:
- Distracted Driving (Insurance Information Institute)
- What Insurance is Cheapest for a Jeep Wrangler in Kansas City? (FAQ)
- What Car Insurance is Cheapest for Government Employees in Kansas City? (FAQ)
- What Auto Insurance is Cheapest for Good Drivers in Kansas City? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Kansas City? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)