The preferred way to find low-cost prices for Honda HR-V insurance in Kansas City is to start doing a yearly price comparison from different companies that insure vehicles in Missouri.
- Take a little time to learn about car insurance and the measures you can control to keep rates down. Many rating factors that increase rates such as at-fault accidents, careless driving, and your credit history can be improved by making small lifestyle or driving habit changes. Later in this article we will cover more details to help prevent costly coverage and find discounts that you may qualify for.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while independent agencies can quote prices from multiple companies. View insurance agents
- Compare the new rates to your current policy to see if a cheaper price is available. If you can save some money, ensure there is no coverage lapse between policies.
- Provide notification to your current agent or company to cancel your existing policy. Submit a completed policy application and payment for the new coverage. Once coverage is bound, place the new certificate of insurance in your vehicle.
A key point to remember is to try to compare identical coverages on each quote and to quote with as many car insurance companies as possible. This guarantees a fair price comparison and a thorough price selection.
It’s safe to assume that car insurance companies want to keep your business as long as possible. Drivers who perform rate comparisons are likely to switch companies because of the high probability of finding a more affordable policy premium. A recent car insurance study revealed that consumers who compared price quotes annually saved $865 a year compared to drivers who never shopped for cheaper rates.
If finding the lowest price for Honda HR-V insurance is why you’re reading this, then having some insight into the best ways to find and compare coverages can make it simple to find affordable coverage.
Locating the best rates in Kansas City seems hard but is not really that difficult. If you are insured now or are just looking to switch companies, take advantage of these tips to lower your rates and still have adequate protection. You just have to know the quickest way to find the lowest price from many different companies.
Finding low cost auto insurance rates isn’t really that difficult. Drivers just need to take a few minutes to get quotes from different insurance companies.
Getting rates online is very simple and it makes it obsolete to drive around to and from local Kansas City insurance agencies. Comparing Honda HR-V insurance rates online eliminates the middleman unless you prefer the advice and guidance of a licensed agent. It is possible to comparison shop online but still have the advice of a local agent.
The car insurance companies shown below have been selected to offer free rate quotes in Kansas City, MO. If your goal is to find the best auto insurance in Kansas City, we suggest you visit two to three different companies in order to find the most competitive rates.
Why you need to buy insurance
Despite the fact that insurance is not cheap in Kansas City, insurance is required for several reasons.
First, most states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability protection in order to drive the car legally. 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 you bought your HR-V with a loan, it’s guaranteed your bank will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender will be forced to insure your Honda for a much higher rate and force you to reimburse them for the expensive policy.
Third, insurance preserves both your assets and your car. Insurance will also pay for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance greatly outweigh the cost, specifically if you ever have a liability claim. But the average driver in Missouri overpays as much as $800 each year so it’s very important to do a rate comparison each time the policy renews to make sure the price is not too high.
Why Informed Drivers Pay Less for Honda HR-V Insurance
Multiple criteria are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are less obvious such as your marital status or your financial responsibility.
The following are most of the major factors companies use to determine your rate level.
Do you have enough liability insurance? – The liability coverage on your policy will afford coverage if you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
Keep premiums low by being claim-free – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Missouri provide most affordable rates to drivers who file claims infrequently. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Prevent your car from being stolen – Buying a car with an alarm system can get you a discount on your insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
Accidents can increase rates – Even a single ticket may cause rates to rise forty percent or more. Careful drivers receive lower rates as compared to those with violations. Drivers with serious violations such as DUI or willful reckless driving may be required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
Poor credit can mean higher costs – Having a bad credit score can be a huge factor in determining what you pay for insurance. Insureds that have very good credit scores tend to file fewer claims than drivers who have lower credit scores. If your credit score is low, you could be paying less to insure your Honda HR-V by taking the time to improve your credit score.
More than one policy can earn a discount – The majority of companies give better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount applied, consumers should still comparison shop to verify if the discount is saving money.
Lower rates by increasing deductibles – The deductibles you choose state the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are rear-ending another vehicle, damage caused by hail, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.
Pleasure use saves money – The more you drive your Honda each year the higher your rates will be. A lot of companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting receive better premium rates than cars that get driven a lot. Make sure your policy reflects the correct usage for each vehicle, because improper ratings can cost you money. A policy that improperly rates your HR-V may be wasting your money.
Auto insurance companies ranked
Picking the best company can be challenging considering how many companies there are in Missouri. The information in the lists below can help you pick which auto insurers you want to consider shopping your coverage with.
Top 10 Kansas City Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Do the work, save more money
We’ve covered quite a bit of information on how to compare Honda HR-V insurance premium rates in Kansas City. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may even discover the best premium rates are with the least-expected company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.
Budget-friendly auto insurance in Kansas City can be found online and from local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer rates over the internet and these smaller companies work with independent insurance agencies.
When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best possible price, not the least amount of coverage.
More information is located on the following sites:
- Auto Insurance FAQ (Farmers Insurance)
- How Much are Car Insurance Quotes for High Risk Drivers in Kansas City? (FAQ)
- State Car Insurance Guides (GEICO)
- Choosing a Car for Your Teen (State Farm)