Searching for low-cost insurance for a new or used Fiat 500 in Missouri can be an all-consuming task, but you can learn our auto insurance buying tips to save time.
There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for your Fiat and locate the lowest possible price from both online companies and Kansas City agents.
You need to quote other rates quite often because auto insurance prices change quite often. Even if you think you had the best quotes on Fiat 500 insurance in Kansas City a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to show you the best way to remove unneeded coverages and save money.
The companies shown below provide free rate quotes in Missouri. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
Buying the right Fiat 500 insurance in Missouri is an important decision
Despite the high cost of buying insurance for a Fiat 500 in Kansas City, paying for insurance is required in Missouri but also provides important benefits.
- The majority of states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to license the vehicle. 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 loan on your Fiat 500, most banks will require that you have full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Fiat at a more expensive rate and require you to pay for it.
- Insurance preserves not only your Fiat 500 but also your financial assets. Insurance will pay for many types of medical costs that are the result of an accident. Liability coverage will also pay attorney fees in the event you are sued. If you have damage to your Fiat as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. But the average American driver is overpaying more than $830 a year so you should quote and compare rates at every renewal to make sure the price is not too high.
These ten discounts can reduce Fiat 500 insurance rates
Some providers don’t list the complete list of policy discounts very well, so below is a list a few of the more well known and also the lesser-known credits that may apply to you.
- Online Discount – Some larger companies will provide an incentive shop Kansas City auto insurance over the internet.
- Fewer Miles Equal More Savings – Keeping the miles down on your Fiat could earn discounted premium rates on garaged vehicles.
- Cautious Driver Discount – Drivers without accidents may receive a discount up to 45% than drivers with accidents.
- Waiver for an Accident – This one isn’t a discount, but companies like GEICO and Liberty Mutual will let one accident slide before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
- Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
- Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 25 to 30%.
- Good Student – This discount can save 20 to 25%. The discount lasts up to age 25.
- Defensive Driver – Taking a course teaching safe driver skills can save you 5% or more if you qualify.
- Driving Data Discount – Drivers who elect to allow their auto insurance company to monitor driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates as long as they are good drivers.
- Save with a New Car – Putting insurance coverage on a new 500 is cheaper because new model year vehicles have to meet stringent safety requirements.
Don’t be shocked that most discount credits are not given to the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.
Insurance companies that may offer these discounts may include but are not limited to:
If you need lower rates, check with every prospective company which discounts you qualify for. All car insurance discounts may not be available in your state. To see a list of providers that can offer you the previously mentioned discounts in Kansas City, click this link.
How to know if you need help
When quoting and choosing the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.
Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.
- How high should deductibles be on a Fiat 500?
- Why is insurance for a teen driver so high in Kansas City?
- Are my custom wheels covered?
- What discounts do I qualify for?
- Should I drop comprehensive coverage on older vehicles?
- Are rental cars covered under my policy?
- How much liability insurance is required?
- When does my teenage driver need to be added to my policy?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Do I need an insurance agent?
Some people would rather go talk to an agent and that is not a bad decision Insurance agents are very good at helping people manage risk and help submit paperwork. One of the best bonuses of comparing car insurance online is you can get cheaper premium rates and still have an agent to talk to. Buying from and supporting small agencies is still important in Kansas City.
By using this form (opens in new window), the quote information is emailed to local insurance agents that give free quotes for your car insurance coverage. You won’t need to contact any insurance agencies as quotes are delivered instantly to you. If you have a need to quote rates from a particular provider, don’t hesitate to go to their quote page to submit a rate quote request.
When narrowing the list to find a reputable agency, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Car insurance policy providers may be either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles properly, but it’s good to learn the differences because it can factor into which type of agent you select.
Independent Car Insurance Agents
Independent agencies are not employed by any specific company so as a result can place your coverage amongst many companies and find the cheapest car insurance rates. If your agent finds better pricing, your policy is moved internally which is easy for the insured.
When comparing car insurance rates, you will want to include rate quotes from several independent agencies in order to compare the most rates. Most also write with lesser-known insurance companies which may have better rates.
Shown below is a list of independent insurance agents in Kansas City who may be able to give you free car insurance rate quotes.
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
- Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map
- Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
Exclusive Car Insurance Agents
Exclusive agencies have only one company to place business with such as AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. They are usually well trained on sales techniques which helps them sell insurance even at higher premiums. Consumers often buy from exclusive agents mainly due to the brand and the convenience of having all coverages with one company.
Below is a list of exclusive agents in Kansas City that are able to give price quote information.
- David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map
- State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 – View Map
- American Family Insurance – Jeff Woody
1300 NW Vivion Rd – Kansas City, MO 64118 – (816) 459-8010 – View Map
Picking the best car insurance agent should depend on more than just a cheap quote. The following questions are important to ask.
- Do they specialize in personal lines auto insurance in Kansas City?
- Will the company cover a rental car if your car is getting fixed?
- Do you need full coverage on every vehicle?
- Does the company have a solid financial rating?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency have a current Errors and Omissions policy?
- Is their price quote a firm figure or are their hidden costs?
- If they are an independent agency in Kansas City, which companies do they recommend?
Once you have acceptable answers to these questions and a good coverage price, it’s possible that you found a car insurance agent that meets the requirements to service your policy. Just be aware that you have the power to terminate coverage at any point so don’t feel you’re contractually obligated to any specific agency for any length of time.
Having a good grasp of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things like fire damage, damage from flooding, vandalism, falling objects and theft. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for collisions
This will pay to fix damage to your 500 from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like hitting a mailbox, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible on your 500 in order to get cheaper collision rates.
Coverage for liability
This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for things like funeral expenses, medical services, repair bills for other people’s vehicles, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Missouri state law requires minimum liability limits of 25/50/10 but you should consider buying more liability than the minimum.
The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for expenses like nursing services, surgery, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Fiat 500.
Because many people have only the minimum liability required by law (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.
How much can you save?
People who switch companies do it for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, denial of a claim or questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. Your objective should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.
There are still a few companies who may not offer the ability to get a quote online and usually these regional insurance providers work with independent agencies. Cheaper car insurance in Kansas City is possible online in addition to many Kansas City insurance agents, so you should compare both in order to have the best price selection to choose from.
How to save on Fiat 500 insurance in Kansas City
The best way to find lower priced Fiat 500 insurance in Kansas City is to compare quotes annually from insurance carriers who provide car insurance in Missouri.
Step 1: Read and learn about individual coverages and the things you can change to drop your rates. Many rating factors that are responsible for high rates such as tickets, at-fault accidents, and an imperfect credit history can be remedied by paying attention to minor details.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can quote prices for a wide range of insurance providers.
Step 3: Compare the new rates to your existing policy and determine if cheaper 500 coverage is available in Kansas City. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide proper notification to your current company of your intention to cancel your current policy. Submit a down payment along with a completed application to the new insurer. Once received, keep your new certificate verifying coverage in your vehicle’s glove compartment or console.
One tip to remember is to use similar deductibles and liability limits on each quote request and and to get price quotes from as many carriers as you can. This helps ensure a fair price comparison and the best price selection.
Additional information can be found at these links:
- Collision Coverage (Liberty Mutual)
- Who Has Cheap Kansas City Car Insurance Rates for a Chevrolet Malibu? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Kansas City? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)