Would you like to find the cheapest Ford Freestar insurance in Kansas City? Nobody that owns a car enjoys paying for auto insurance, especially when the price is too high.
Anyone knows that insurance companies don’t want policyholders to shop around. People who shop around for cheaper rates will probably switch companies because there are good odds of finding lower prices. A recent survey revealed that drivers who compared rates regularly saved over $70 a month compared to those who never shopped around for lower prices.
If finding budget-friendly auto insurance in Kansas City is why you’re here, then understanding how to quote prices and compare car insurance can help simplify the process. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurers and get the definite lowest rate on Ford Freestar insurance in Kansas City.
Get cheaper Ford Freestar insurance in Kansas City with discounts
Not many people think insurance is cheap, but you can get discounts that can dramatically reduce your bill. Certain credits will be shown when you get a quote, but once in a while a discount must be asked for in order for you to get them.
- Multiple Cars – Having multiple cars on one policy can reduce the rates for all insured vehicles.
- Memberships – Being in specific professional or occupational memberships or organizations could qualify you for a break on your next insurance statement.
- Bundled Policy Discount – If you can combine your homeowners and auto policy with one company you could get a discount of 10% to 20% off each policy.
- Low Mileage Discounts – Low annual miles could qualify for cheaper prices.
- Senior Discount – Drivers over the age of 55 can possibly qualify for lower premium rates.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
- Kansas City Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance because owning a home means you have a higher level of financial diligence.
- College Student – College-age children who are enrolled in a college that is more than 100 miles from Kansas City and don’t have a car could get you a discount.
- ABS Brakes – Cars with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
- Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared with drivers with a long claim history.
Please keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But all discounts will positively reduce the amount you pay for coverage.
A list of insurance companies and the discounts they provide are included below.
- State Farm may have discounts that include multiple policy, passive restraint, good student, defensive driving training, driver’s education, safe vehicle, and multiple autos.
- Nationwide policyholders can earn discounts including easy pay, business or organization, defensive driving, good student, multi-policy, and Farm Bureau membership.
- GEICO has savings for anti-theft, defensive driver, military active duty, anti-lock brakes, membership and employees, air bags, and multi-vehicle.
- AAA offers discounts including good driver, good student, multi-policy, AAA membership discount, and pay-in-full.
- 21st Century includes discounts for 55 and older, good student, student driver, teen driver, air bags, driver training, and early bird.
- The Hartford has discounts for driver training, anti-theft, defensive driver, vehicle fuel type, good student, air bag, and bundle.
When getting free Kansas City auto insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in Kansas City. To choose companies with discount insurance rates in Kansas City, click this link.
Finding a lower price on Ford Freestar insurance is surprisingly easy. All that’s required is to invest a little time comparing free Kansas City auto insurance quotes from different insurance companies.
It’s so simple to compare insurance rates online makes it a waste of time to spend your day driving to different Kansas City agent offices. The ability to quote Ford Freestar insurance online has made agencies unnecessary unless you have a need for the trained guidance that you can only get from talking to an agent. Although, it is possible get the lowest quotes online but have a local agent actually write the policy.
The auto insurance companies shown below provide quotes in Kansas City, MO. To find the best cheap auto insurance in Kansas City, we recommend you get price quotes from several of them to find the lowest auto insurance rates.
Auto insurance is unique, just like you
When choosing the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.
For example, these questions could help you determine if your situation will benefit from professional help.
- Does coverage extend to a rental car in a foreign country?
- Does my insurance cover my expensive audio equipment?
- Am I covered when using my vehicle for business?
- Should I buy additional glass protection?
- Is there a penalty for late payment?
- Am I covered when driving on a suspended license?
- Do I need replacement cost coverage on my Ford Freestar?
- Can my babysitter drive my car?
- Does insurance cover tools stolen from my truck?
- How much will a speeding ticket raise my rates?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.
Compare rate quotes but buy from a local Kansas City insurance agent
Many people just want to buy from a local agent and there is nothing wrong with that. Agents can help you choose the best coverages and give you someone to call. One of the benefits of comparing insurance prices online is that you can find cheaper rates and still have a local agent.
To help locate an agent, after submitting this quick form, the coverage information is immediately sent to agents in your area that can provide free Kansas City auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to leave your house since price quotes are sent to you directly. If you wish to get a comparison quote for a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.
Selecting an insurance company should include more criteria than just the bottom line cost. The answers to these questions are important, too.
- Do the agents have professional certifications like CPCU or CIC?
- Is the agency active in community causes in Kansas City?
- Did they already check your driving record and credit reports?
- If they are an independent agency in Kansas City, which companies do they recommend?
- Is auto insurance their primary focus in Kansas City?
- How would your car be valued if totaled?
- Do you work with a CSR or direct with the agent?
Insurance agent types
If you want to buy insurance from a local Kansas City insurance agent, it helps to know the two types of insurance agents that you can choose from. Insurance agencies are either independent or exclusive. Either one can insure your vehicles properly, but it’s good to learn why they differ because it may have an impact on the selection process.
Exclusive Insurance Agencies
Exclusive agents generally can only insure with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive a lot of sales training on their company’s products and that enables them to sell even at higher rates.
Listed below are exclusive insurance agents in Kansas City that can give you price quote information.
Independent Agents (or Brokers)
Independent insurance agents often have affiliation with several companies so as a result can place your coverage amongst many companies and find the cheapest insurance rates. If they quote lower rates, they simply switch companies in-house without you having to go to a different agency. When searching for an agent, we recommend you get quotes from several independent agencies to ensure the widest selection of prices.
Shown below is a short list of independent insurance agents in Kansas City willing to provide comparison quotes.
After receiving reasonable responses to these questions as well as a price you’re happy with, chances are good that you have found an insurance agent that can be relied on to service your policy. But keep in mind once you purchase a policy you can terminate coverage for any reason so never feel you’re contractually obligated to any specific agency for the full policy term.
Car insurance protects more than just your car
Despite the high cost of buying insurance for a Ford Freestar in Kansas City, car insurance may be mandatory for several reasons.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount 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 your Ford Freestar has a lienholder, it’s most likely the lender will make it a condition of the loan that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford for a much higher rate and force you to reimburse them for the much more expensive policy.
- Car insurance protects both your Ford and your personal assets. It also can pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If your Ford gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the cost, especially for larger claims. But the average American driver overpays as much as $869 every year so compare rates once a year at a minimum to ensure rates are inline.
Information about specific coverages
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Freestar.
Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000.
Liability coverage pays for claims like attorney fees, bail bonds and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Missouri state law requires minimum liability limits of 25/50/10 but you should consider buying better liability coverage.
The next chart demonstrates why buying the state minimum limits may not be enough.
Collision coverage pays for damage to your Freestar from colliding with another vehicle or an object, but not an animal. 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 damaging your car on a curb, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible on your Freestar to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, falling objects, damage from flooding and theft. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, nursing services, X-ray expenses, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Smart shoppers get results
Drivers who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, policy non-renewal and even questionable increases in premium. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.
In this article, we presented quite a bit of information on how to reduce Ford Freestar insurance car insurance rates online in Kansas City. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost Kansas City auto insurance quotes. Drivers may even discover the biggest savings come from the smaller companies.
Some insurance providers may not have rate quotes online and these regional carriers sell through independent agents. Low-cost Ford Freestar insurance in Kansas City can be bought on the web as well as from independent agents in Kansas City, and you should compare price quotes from both to have the best rate selection.
Steps to buying affordable Ford Freestar insurance in Kansas City
If your goal is the lowest price, then the best way to quote cheaper auto insurance rates is to compare quotes once a year from companies in Kansas City.
- Spend some time learning about how insurance works and the steps you can take to prevent expensive coverage. Many rating factors that cause rate increases such as speeding tickets, careless driving and a not-so-good credit score can be rectified by making lifestyle changes or driving safer.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple sources.
- Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give proper notification to your current agent or company of your intent to cancel your current coverage. Submit a down payment and signed policy application for your new coverage. Once the application is submitted, keep the new proof of insurance certificate in a readily accessible location in your vehicle.
A good tip to remember is to try to use identical deductibles and limits on every quote and and to get quotes from as many companies as feasibly possible. This ensures an apples-to-apples comparison and a complete rate analysis.
More information is located at these links:
- How do I File a Claim? (Insurance Information Institute)
- Who Has Affordable Car Insurance for a Toyota RAV4 in Kansas City? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance for Ride Shares? (FAQ)
- Older Drivers FAQ (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)