Would you prefer to buy more competitive Nissan Titan insurance in Kansas City? No one in their right mind is fond of buying car insurance, especially when they know their premiums are through the roof.
A recent survey discovered that most car insurance policyholders have stayed with the same insurance company for a minimum of four years, and practically 40% of car insurance customers have never shopped around. The average driver in Kansas City could save themselves as much as $300 a year just by getting comparison quotes, but they just don’t want to compare rates and save money.
How to quote cheaper Nissan Titan insurance in Kansas City
It takes a few minutes, but the best way to get budget auto insurance rates is to do a yearly price comparison from insurance carriers who provide auto insurance in Kansas City. You can compare rates by completing these steps.
- Get a basic knowledge of how car insurance works and the things you can control to keep rates down. Many rating criteria that result in higher rates such as traffic violations and a substandard credit score can be amended by being financially responsible and driving safely. Read the full article for more information to get cheaper coverage and find additional discounts you may qualify for.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple companies. View companies
- Compare the quotes to your current policy to see if cheaper Titan coverage is available in Kansas City. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
- Provide proper notification to your current company to cancel your current coverage and submit a down payment and signed policy application to the newly selected company. As soon as you receive it, safely store the certificate verifying coverage in your glove compartment.
The most important part of this process is to use identical coverage information on every quote request and to quote with as many auto insurance providers as possible. This helps ensure a fair price comparison and the best price selection.
Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price on Nissan Titan insurance in Kansas City.
It’s a good idea to do price comparisons before your policy renews because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Nissan Titan insurance in Kansas City a couple years back there may be better deals available now. Block out anything you think you know about car insurance because it’s time to teach you one of the quickest ways to find lower rates on car insurance.
The companies in the list below provide price comparisons in Missouri. If your goal is to find the best cheap auto insurance in MO, it’s highly recommended you visit several of them to find the cheapest car insurance rates.
Rates and statistics
The information below covers a range of policy rates for Nissan Titan models. Being more informed about how rates are formulated helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $220 | $468 | $346 | $20 | $104 | $1,158 | $97 |
| Titan XE King Cab 2WD | $248 | $468 | $432 | $26 | $130 | $1,304 | $109 |
| Titan XE Crew Cab 4WD | $248 | $468 | $346 | $20 | $104 | $1,186 | $99 |
| Titan SE King Cab 4WD | $248 | $468 | $346 | $20 | $104 | $1,186 | $99 |
| Titan XE Crew Cab 2WD | $248 | $468 | $432 | $26 | $130 | $1,304 | $109 |
| Titan SE King Cab 2WD | $248 | $468 | $432 | $26 | $130 | $1,304 | $109 |
| Titan SE Crew Cab 4WD | $248 | $552 | $346 | $20 | $104 | $1,270 | $106 |
| Titan Pro-4X King Cab 4WD | $248 | $552 | $346 | $20 | $104 | $1,270 | $106 |
| Titan SE Crew Cab 2WD | $248 | $552 | $432 | $26 | $130 | $1,388 | $116 |
| Titan Pro-4X Crew Cab 4WD | $248 | $552 | $346 | $20 | $104 | $1,270 | $106 |
| Titan LE Crew Cab 4WD | $248 | $552 | $346 | $20 | $104 | $1,270 | $106 |
| Titan LE Crew Cab 2WD | $276 | $552 | $432 | $26 | $130 | $1,416 | $118 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in garaging location in Kansas City which can raise or lower premiums significantly.
An analysis of deductible level
One common question asked by Kansas City drivers is how high should the physical damage deductibles be. The data tables below outline the cost difference when you choose different comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| Titan XE King Cab 2WD | $232 | $346 | $332 | $20 | $100 | $1,055 | $88 |
| Titan XE Crew Cab 4WD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Titan SE King Cab 4WD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Titan XE Crew Cab 2WD | $232 | $346 | $332 | $20 | $100 | $1,055 | $88 |
| Titan SE King Cab 2WD | $232 | $346 | $332 | $20 | $100 | $1,055 | $88 |
| Titan SE Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Titan Pro-4X King Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Titan SE Crew Cab 2WD | $232 | $408 | $332 | $20 | $100 | $1,117 | $93 |
| Titan Pro-4X Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Titan LE Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Titan LE Crew Cab 2WD | $258 | $408 | $332 | $20 | $100 | $1,143 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Titan XE King Cab 2WD | $188 | $280 | $332 | $20 | $100 | $920 | $77 |
| Titan XE Crew Cab 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Titan SE King Cab 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Titan XE Crew Cab 2WD | $188 | $280 | $332 | $20 | $100 | $920 | $77 |
| Titan SE King Cab 2WD | $188 | $280 | $332 | $20 | $100 | $920 | $77 |
| Titan SE Crew Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Titan Pro-4X King Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Titan SE Crew Cab 2WD | $188 | $330 | $332 | $20 | $100 | $970 | $81 |
| Titan Pro-4X Crew Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Titan LE Crew Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Titan LE Crew Cab 2WD | $210 | $330 | $332 | $20 | $100 | $992 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in specific location information which can decrease or increase rates considerably.
Based on the data above, we can derive that using a $250 deductible costs about $12 more each month or $144 every year across all Nissan Titan models than opting for the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 21 months between claim filings, you would more than likely save some money by going with a higher deductible.
The example below highlights how deductible choice and can change Nissan Titan insurance prices for different categories of driver ages. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.
Insurance rates are higher with tickets and accidents
The example below illustrates how speeding tickets and fender-benders drive up Nissan Titan car insurance costs for different age groups of insureds. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Cost of full coverage
The chart below compares Nissan Titan annual premium costs when comparing full coverage to liability only. The data assumes no claims, a clean driving record, $250 deductibles, drivers are single, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no specific rule of when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Nissan Titan settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 annually to have full coverage, then it might be time to buy liability only.
There are some circumstances where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Verify you’re earning every discount
Some providers don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of a few of the more common as well as some of the hidden ways to save on car insurance.
- Own a Home and Save – Owning your own home or condo can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Waiver for an Accident – This one isn’t a discount, but certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
- Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
- Low Miles Discount – Low mileage vehicles may enable drivers to earn lower rates on the low mileage vehicles.
- Buy New and Save – Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
Policy discounts save money, but most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will lower the cost of coverage.
The diagram below illustrates the comparison of Nissan Titan insurance prices with and without some available policy discounts. The rates are based on a male driver, no claims, a clean driving record, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, claim-free, multi-policy, and homeowner discounts applied.
If you would like to choose from a list of car insurance companies with discount rates in Missouri, follow this link.
Insurance is not optional in Missouri
Even though it can be expensive, insurance may be mandatory for several reasons.
- Most states have compulsory liability insurance requirements which means state laws require a specific level 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.
- If you bought your Titan with a loan, it’s guaranteed your bank will require you to have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Nissan at an extremely high rate and make you pay much more than you were paying before.
- Insurance safeguards both your car and your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your Titan definitely exceed the price paid, particularly if you ever have a claim. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so compare rates once a year at a minimum to help ensure money is not being wasted.
Car insurance companies ranked
Buying coverage from the right company is difficult considering how many different companies there are to choose from in Missouri. The information listed below can help you pick which companies you want to consider when shopping your coverage around.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance quotes from local Kansas City insurance agencies
Certain consumers prefer to buy from a licensed agent and that can be a smart move Professional insurance agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is that you can find the lowest rates but still work with a licensed agent.
After completing this quick form, the quote information is emailed to insurance agents in Kansas City who will gladly provide quotes for your coverage. You never need to contact any agents since rate quotes are delivered to your email. In the event you want to quote rates from a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Choosing an company shouldn’t rely on just a cheap quote. Some important questions to ask are:
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they able to provide referrals?
- Is the agency involved in supporting local community causes?
- Is the agency covered by Errors and Omissions coverage?
- Which family members are covered?
- Are aftermarket or OEM parts used to repair vehicles?
If you would like to find a good insurance agency, there are a couple of different types of agencies that you can choose from. Car insurance agents in Kansas City may be either exclusive or independent. Both types of agents can properly insure your vehicles, but it’s important to know why they differ since it may influence the type of agent you choose.
Exclusive Agents
Exclusive agents can only quote rates from one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on sales techniques which helps them sell on service rather than price.
Below are Kansas City exclusive insurance agents who may provide you with comparison quotes.
Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443 – View Map
Matt Rich Farmers Insurance Agency
5730 N Broadway – Kansas City, MO 64118 – (816) 479-4747 – View Map
Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200 – View Map
Independent Car Insurance Agents
These agents often have affiliation with several companies and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If your premiums go up, they simply move the coverage in-house and you don’t have to do anything. If you need cheaper car insurance rates, you will want to get some free quotes from a few independent agents so that you can do a thorough price comparison.
Shown below are Kansas City independent agents willing to provide comparison quotes.
Safeway Insurance Agency
3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 – View Map
Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map
Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map