Inconceivable but true, the vast majority of consumers kept their policy with the same company for at least four years, and 38% of drivers have never quoted auto insurance rates at all. Kansas City consumers could save an average of almost 25% each year just by getting comparison quotes, but most undervalue the large savings they would see if they changed companies.
The best way to find more affordable Toyota Rav4 insurance is to regularly compare price quotes from insurance carriers who provide car insurance in Kansas City.
- First, get a basic knowledge of policy coverages and the factors you can control to prevent expensive coverage. Many factors that result in higher rates like getting speeding tickets and a less-than-favorable credit rating can be eliminated by making minor changes to your lifestyle.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for many different companies. View a list of agents
- Third, compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
- Fourth, provide proper notification to your current company to cancel your current coverage. Submit a completed application and payment to your new insurance company. Don’t forget to store the proof of insurance paperwork somewhere easily accessible.
An important bit of advice to remember is that you use identical coverage information on every quote and to quote with as many carriers as you can. Doing this guarantees a level playing field and many rates to choose from.
You may qualify for discounts for Toyota Rav4 insurance in Kansas City
Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that can drop the cost substantially. Certain credits will be shown at quote time, but some may not be applied and must be specially asked for before being credited.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your Kansas City car insurance quote.
- Claim Free – Good drivers with no accidents pay much less in comparison with accident-prone drivers.
- Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
- Student Driver Training – Require your teen driver to successfully take a driver’s education course if offered at their school.
- One Accident Forgiven – This isn’t a discount exactly, but some companies like Allstate and State Farm will forgive one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
- Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
- Paperless Signup – Some companies give back up to $50 for buying your policy over the internet.
- Auto/Home Discount – If you can bundle your homeowners and auto insurance with one company you may earn up to 20% and get you low cost Toyota Rav4 insurance.
- Driving Data Discount – Policyholders that allow companies to monitor driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
It’s important to note that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies aren’t that generous.
The example below shows the difference between Toyota Rav4 insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no claims, a clean driving record, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, homeowner, multi-car, and claim-free discounts applied.
If you would like to choose from a list of providers that offer some of these discounts in Kansas City, follow this link.
When shopping for cheaper Kansas City car insurance quotes, there are a couple of ways to compare prices from local Kansas City car insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online.
It’s so fast and easy to compare quotes online that it replaces the need to drive around to all the different Kansas City insurance agencies. Doing it all online makes this process obsolete unless you require the guidance that only an agent can give. It is possible with some companies price shop online but have a local agent actually write the policy. Keep in mind that quoting more helps locate a lower rate than you’re paying now.
The companies shown below are our best choices to provide free rate quotes in Kansas City, MO. If you wish to find cheap car insurance in Kansas City, it’s highly recommended you visit several of them in order to find the lowest rates.
Rates and statistics
The information shown below highlights a range of coverage prices for Toyota Rav4 models. Having a good understanding how rate quotes are calculated can help you make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Sport 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Sport 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Sport 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Sport 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 4WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| RAV4 Limited 2WD | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in garaging location in Kansas City which can influence insurance rates greatly.
Car insurance rates based on gender in Kansas City
The chart below visualizes the comparison of Toyota Rav4 premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The chart below illustrates the difference between Toyota Rav4 auto insurance costs with and without physical damage coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
When to drop comp and collision
There is no written rule to drop full coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s assume your Toyota Rav4 settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Local Kansas City car insurance agents and insurance
Some consumers prefer to visit with an insurance agent and that is not a bad decision One of the benefits of comparing insurance online is that you can find the best rates and still buy from a local agent.
After filling out this form (opens in new window), your insurance data is emailed to insurance agents in Kansas City who want to provide quotes for your business. There is no reason to even leave your home since price quotes are sent directly to you. You can get cheaper insurance rates and an insurance agent to talk to. If you have a need to get a comparison quote for a specific company, feel free to navigate to their website and submit a quote form there.
Selecting an insurance company requires you to look at more than just the bottom line cost. These are some valid questions you should ask.
- What company holds the largest book of business for them?
- Will they give you a referral list?
- How long have they been in business?
- Can you contact them at any time?
- Who are their largest clients?
- Where are claims handled?
- Do you work with a CSR or direct with the agent?
Best auto insurance agent in Kansas City
If you are searching for a local Kansas City insurance agency, it’s important to understand the different agency structures and how they are slightly different. Agencies in Kansas City can either be exclusive agents or independent agents.
Exclusive Agents
Exclusive insurance agents normally can only provide a single company’s rates and examples are Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agencies receive extensive training on their company’s products which helps them compete with independent agents.
Below are Kansas City exclusive agents that are able to give price quotes.
Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 – View Map
American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700 – View Map
Independent Agencies or Brokers
Independent agents can sell policies from many different companies and that enables them to quote your coverage through many companies and get you the best rates possible. If premiums increase, they can switch companies in-house which makes it simple for you.
If you are comparing insurance prices, you will want to check rates from at a minimum one independent agency to have the best price comparison.
Below are Kansas City independent agencies who can help you get price quote information.
DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map
Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 – View Map
Safeway Insurance Agency
3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 – View Map
More comparisons equals cheap rates
Lower-priced insurance in Kansas City is available on the web in addition to many Kansas City insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide online rate quotes and usually these small, regional companies work with independent insurance agents.
As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage only to regret that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
Additional resources
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- What Car Insurance is Cheapest for Government Employees in Kansas City? (FAQ)
- How Much are Car Insurance Quotes for Good Students in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Kansas City? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Information for Teen Drivers (GEICO)
- What if I Can’t Find Coverage? (Insurance Information Institute)