Compare GMC Terrain Insurance Quotes in Kansas City

Insurance quote for GMC Terrain in Kansas CityHigh-priced car insurance in Kansas City can drain your accounts and make it impossible to make ends meet. Comparing rates annually is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Sad but true, the vast majority of consumers renewed their policy with the same company for at least the last four years, and about 40% of consumers have never compared quotes from other companies. Drivers in America could save nearly 46.5% each year just by comparing rates, but they don’t want to spend time to compare rates online. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best price available on GMC Terrain insurance in Kansas City.

It’s important to compare rates yearly because rates are variable and change quite frequently. Even if you think you had the best rate on GMC Terrain insurance in Kansas City six months ago there is a good chance you can find better prices now. There are lots of tips to save on Terrain insurance online but in this article, you’re going to get a lot of great tips on how to lower your car insurance rates in Kansas City.

Low cost GMC Terrain insurance prices in Kansas City, Missouri

Getting a cheaper price on insurance is not rocket science. You just need to invest a little time getting comparison quotes from some recommended companies.

It’s so easy to compare rates online that it replaces the need to go to insurance agencies in your area. The ability to get quotes online makes this unnecessary unless you require the guidance that only a licensed agent can provide. It is possible with some companies comparison shop online but purchase the actual policy in an agency.

The companies shown below are our best choices to provide quotes in Missouri. In order to find cheap auto insurance in Kansas City, MO, we recommend you click on several of them to get the best price comparison.

Don’t overlook these GMC Terrain insurance discounts

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you quote, but less common discounts must be manually applied before they will apply.Discount auto insurance

We need to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below visualizes the comparison of GMC Terrain auto insurance rates with and without discounts applied to the rates. Data assumes a male driver, a clean driving record, no claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

A list of auto insurance companies and some of their more popular discounts can be found below.

If you need affordable Kansas City auto insurance quotes, ask every company how many discounts you can get. Some credits might not be offered in every state. To locate providers that offer some of these discounts in Kansas City, follow this link.

Insurance coverage details

The data table displayed below showcases a range of coverage prices for GMC Terrain models. Knowing how premiums are figured is important to be able to make decisions when shopping around.

GMC Terrain Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Terrain SLE 2WD $228 $426 $306 $18 $92 $1,070 $89
Terrain SLE AWD $228 $426 $306 $18 $92 $1,070 $89
Terrain SLT 2WD $258 $502 $306 $18 $92 $1,176 $98
Terrain SLT AWD $258 $502 $306 $18 $92 $1,176 $98
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific location information which can raise or lower coverage prices substantially.

Deductible analysis

One of the most common auto insurance questions is where to set your physical damage deductibles. The following insurance rates illustrate the rate fluctuation between high and low policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

GMC Terrain insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Terrain SLE 2WD $206 $346 $226 $14 $68 $885 $74
Terrain SLE AWD $206 $346 $226 $14 $68 $885 $74
Terrain SLT 2WD $232 $408 $226 $14 $68 $973 $81
Terrain SLT AWD $232 $408 $226 $14 $68 $973 $81
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GMC Terrain insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Terrain SLE 2WD $128 $218 $226 $14 $68 $654 $55
Terrain SLE AWD $128 $218 $226 $14 $68 $654 $55
Terrain SLT 2WD $144 $258 $226 $14 $68 $710 $59
Terrain SLT AWD $144 $258 $226 $14 $68 $710 $59
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can modify rates considerably.

Based on the above data, using a $250 deductible will cost you roughly $21 more each month or $252 a year than requesting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 36 months between claims, you would come out ahead by selecting a higher deductible. Here’s the way this decision is made.

Average monthly premium for $250 deductibles: $78
Average monthly premium for $1,000 deductibles (subtract): – $57
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you have a claim. You will want to have enough disposable savings in order to pay the deductible.

The example below shows how choosing a deductible and can change GMC Terrain annual premium costs for different age groups. Data assumes a married female driver, full coverage, and no policy discounts are applied.

Responsible drivers pay cheaper auto insurance rates

The information below illustrates how speeding tickets and at-fault accidents can affect GMC Terrain yearly insurance costs for different categories of driver ages. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Full coverage versus liability-only

The example below shows the comparison of GMC Terrain yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The information is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no other discounts are factored in.

When to switch to liability coverage only

There isn’t a steadfast formula of when to drop physical damage insurance, but there is a general guideline. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your GMC Terrain replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after you pay the deductible. If premium cost is more than $300 annually for your policy with full coverage, then it might be time to buy liability only.

There are some cases where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

How You Can Control GMC Terrain Insurance Prices

Lots of things are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are more transparent such as your credit history or your commute time.

The following are just a few of the factors car insurance companies consider when setting your prices.

Car insurance policy lapses increase car insurance rates – Driving your car without having proper coverage can get you a ticket and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance could earn you fines or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the Missouri motor vehicle department to get your license reinstated.

Raising physical damage deductibles saves money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your GMC. Some coverage claims could be running into the backend of another car, collision with an animal, and having your car stolen. Your deductibles define how much you are required to pay before your car insurance pays a claim. The more of the claim you’re willing to pay, the lower your rates will be.

When should you not file car insurance claims? – If you file a lot of claims you should expect higher rates. Auto insurance companies in Missouri provide lower rates to drivers who file claims infrequently. Insurance coverage is designed for more catastrophic claims.

Insurance rates for married couples – Getting married can actually save you money compared to being single. Having a spouse means you’re more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.

Premiums may be higher where you live – Choosing to live in a small town has definite advantages if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims. People who live in big cities tend to have traffic congestion and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.

GMC Terrain claim probability – Companies include the past claim history for a vehicle as a way to help calculate a profitable premium price. Models that the data shows to have higher claim frequency or loss amount will have increased rates. The table shown below demonstrates the historical loss data for GMC Terrain vehicles.

For each policy coverage, the claim amount for all vehicles combined as an average is considered to be 100. Numbers below 100 imply a favorable loss record, while numbers above 100 indicate more frequent losses or statistically larger losses.

GMC Terrain Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
GMC Terrain 4dr 2WD 89 83 81 96 92 86
GMC Terrain 4dr 4WD 89 86 85 83 82 74

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rates but buy from a local Kansas City insurance agent

Certain consumers just prefer to sit down and talk to an agent and that is OK! Agents can help determine the best coverages and help you file claims. An additional benefit of getting online price quotes is the fact that drivers can get cheap rate quotes but still work with a licensed agent. And buying from small agencies is especially important in Kansas City.

Kansas City insurance agentsBy using this short form, the quote information is emailed to companies in Kansas City that provide free Kansas City auto insurance quotes for your business. You won’t need to visit any agencies because prices are sent directly to you. If you have a need to compare prices from a specific company, you would need to navigate to their website and give them your coverage information.

Shown below is a short list of insurers in Kansas City who can help you get price quote information for GMC Terrain insurance in Kansas City.

11040 Holmes Rd #100Kansas City, MO 64131(816) 942-3288View Map

5730 N BroadwayKansas City, MO 64118(816) 479-4747View Map

7817 N Oak TrafficwayKansas City, MO 64118(816) 436-6000View Map

1404 NW Vivion RdKansas City, MO 64118(816) 452-6700View Map

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Choosing the best company is decision based upon more than just a low price. A good agent in Kansas City will have answers to these questions.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your insurance should unique, too.Drive safe and save
For example, these questions may help highlight whether your personal situation could use an agent’s help.

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

How to find a good Kansas City auto insurance company

Finding the highest-rated car insurance company can be a challenge considering how many different companies insure vehicles in Missouri. The rank data in the lists below could help you select which auto insurance companies you want to consider putting your business with.

Best Auto Insurance Companies in Kansas City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Cheaper auto insurance premiums are possible

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Lower-priced auto insurance in Kansas City can be bought from both online companies in addition to local insurance agencies, so you need to quote Kansas City auto insurance with both to have the best chance of lowering rates. A few companies don’t offer rates over the internet and many times these smaller providers provide coverage only through local independent agencies.

We covered some good ideas how you can reduce GMC Terrain insurance rates online in Kansas City. The key concept to understand is the more you quote Kansas City auto insurance, the better likelihood of getting affordable GMC Terrain insurance quotes. Consumers could even find that the biggest savings come from a small local company. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.

Steps to buying affordable GMC Terrain insurance in Kansas City

The recommended way to find affordable quotes for car insurance rates is to do an annual price comparison from companies in Kansas City.

Step 1: Take a few minutes and learn about how companies set rates and the modifications you can make to lower rates. Many things that result in higher prices like inattentive driving and a low credit rating can be amended by making minor changes to your lifestyle.

Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies. Start a quote

Step 3: Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure there is no coverage gap between policies.

Step 4: Provide proper notification to your current company of your decision to cancel the current policy and submit a down payment and signed policy application to the new insurer. As soon as you have the new policy, safely store the certificate verifying proof of insurance somewhere easily accessible.

The most important part of this process is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and to quote with as many different companies as possible. Doing this guarantees the most accurate price comparison and a thorough price selection.

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