Are you looking for a better way to compare the cheapest Ford Freestyle insurance in Kansas City? No one in their right mind likes paying for car insurance, especially when they know they are paying too much.
We don’t have to tell you that auto insurance companies don’t want you shop around. People who compare price quotes are inclined to buy a different policy because there is a good probability of finding coverage at a cheaper rate. A study showed that drivers who shopped around annually saved as much as $72 a month compared to drivers who never shopped for cheaper rates.
If finding budget-friendly Ford Freestyle insurance is the reason for your visit, knowing how to shop and compare car insurance can help simplify the process. Insurance companies such as Progressive, State Farm and GEICO increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.
If you have a current auto insurance policy or just want cheaper coverage, you can learn to reduce premiums without having to cut coverage. Locating the most cost-effective auto insurance policy in Kansas City is really quite simple as long as you have a good starting point. You just need to learn the fastest way to shop their coverage around over the internet.
The companies shown below are our best choices to provide price quotes in Missouri. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.
Why you need insurance for your vehicle
Despite the high insurance cost for a Ford Freestyle in Kansas City, insuring your vehicle may be required for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance in order to drive the car. 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.
Second, if your car has a lienholder, it’s most likely the lender will force you to buy insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Ford at an extremely high rate and make you pay the higher premium.
Third, insurance safeguards not only your Ford Freestyle but also your financial assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in Missouri overpays more than $830 a year so compare rates every year to ensure rates are competitive.
Car insurance coverage information
Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Freestyle.
Since a lot of drivers only carry the minimum required liability limits (Missouri limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.
Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision – Collision insurance will pay to fix damage to your Freestyle resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your Freestyle to save money on collision insurance.
Liability coverages – This can cover damage or injury you incur to other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as legal defense fees, bail bonds, funeral expenses, pain and suffering and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible. Missouri state minimum liability requirements are 25/50/10 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying minimum limits may not be enough coverage.
Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, ambulance fees, prosthetic devices and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
One last note
Some auto insurance companies may not offer rate quotes online and most of the time these small, regional companies work with independent agents. Lower-priced Ford Freestyle insurance in Kansas City can be sourced from both online companies and with local Kansas City insurance agents, and you need to price shop both in order to have the best chance of saving money.
When searching for affordable Kansas City auto insurance quotes, never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut full coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.
Steps to quoting cheaper Ford Freestyle insurance in Kansas City
If you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates is to compare quotes annually from providers who provide auto insurance in Kansas City.
Step 1: Try to understand how companies set rates and the things you can control to lower rates. Many rating factors that result in higher rates like traffic citations and a bad credit rating can be amended by making small lifestyle or driving habit changes.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple companies. View companies
Step 3: Compare the new rates to your current policy premium to see if you can save by switching companies. If you find a lower rate, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application for your new coverage. As soon as you have the new policy, keep the new certificate verifying proof of insurance somewhere easily accessible.
A good tip to remember is that you’ll want to compare identical limits and deductibles on each price quote and and to get price estimates from every insurance company. This guarantees an apples-to-apples comparison and a complete rate analysis.
More detailed auto insurance information is available at these sites:
- Auto Insurance Basics (Insurance Information Institute)
- What Car Insurance is Cheapest for 18 Year Olds in Kansas City? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 60 in Kansas City? (FAQ)
- What is the Best Auto Insurance in Kansas City, Missouri? (FAQ)
- How Much is Kansas City Auto Insurance for a Honda Civic? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with Bad Credit in Kansas City? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in Kansas City? (FAQ)
- What Car Insurance is Cheapest for a Nissan Rogue in Kansas City? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)