Statistics show that most car insurance policyholders have bought car insurance from the same company for well over three years, and nearly 40% of drivers have never compared car insurance rates at all. Many drivers in Kansas City could save themselves as much as 25% a year, but they don’t understand how simple it is to find cheap car insurance rates.
Truthfully, the best way to find cheaper prices for car insurance rates is to compare prices regularly from insurance carriers in Kansas City.
- Read about how car insurance works and the measures you can control to keep rates low. Many risk factors that result in higher rates such as speeding and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple sources.
- Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure there is no lapse in coverage.
- Give notification to your current company of your decision to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the new company. Once received, keep your new proof of insurance paperwork in an easily accessible location.
One thing to point out is to try to compare the same liability limits and deductibles on every price quote and and to get price quotes from every insurance company. Doing this helps ensure an apples-to-apples comparison and a thorough price selection.
Companies offering Chevy Tahoe insurance in Missouri
The auto insurance companies shown below are ready to provide quotes in Kansas City, MO. To buy the best auto insurance in Kansas City, we suggest you click on several of them to get the most competitive price.
Insurance coverage analysis
The rate information shown next covers estimates of coverage costs for Chevy Tahoe models. Having a good grasp of how auto insurance policy rates are figured can help customers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $206 | $346 | $266 | $16 | $80 | $914 | $76 |
| Tahoe LS 4WD | $232 | $346 | $266 | $16 | $80 | $940 | $78 |
| Tahoe LT 2WD | $232 | $346 | $266 | $16 | $80 | $940 | $78 |
| Tahoe LT 4WD | $232 | $346 | $266 | $16 | $80 | $940 | $78 |
| Tahoe LTZ 2WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Tahoe LTZ 4WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific garaging location which can revise premiums noticeably.
Choosing deductibles
The hardest decision when buying coverage is how high should your deductibles be. The comparison tables below can help you visualize the cost difference when you buy lower versus higher coverage deductibles. The first table uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Tahoe LS 4WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Tahoe LT 2WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Tahoe LT 4WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Tahoe LTZ 2WD | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Tahoe LTZ 4WD | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Tahoe LS 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Tahoe LT 2WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Tahoe LT 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Tahoe LTZ 2WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Tahoe LTZ 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in your specific Kansas City location which can revise insurance rates greatly.
Based on the above data, using a $100 deductible costs an average of $20 more each month or $240 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claim filings, you would more than likely save some money if you elect the higher deductible.
The example below shows how choosing a deductible and can change Chevy Tahoe insurance prices for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, and no other discounts are factored in.
Should you buy full coverage?
The diagram below illustrates the comparison of Chevy Tahoe premium costs with and without physical damage coverage. The rates are based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
When to eliminate full coverage
There isn’t a steadfast formula of when to eliminate comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Chevy Tahoe book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing you more than $400 annually for full coverage, then you might want to think about dropping full coverage.
There are some situations where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Lower-cost Kansas City auto insurance rates with discounts
Some insurers don’t necessarily list every discount they offer in an easy-to-find place, so the list below contains some of the more common as well as the least known ways to save on auto insurance.
- Accident Waiver – Not a discount per se, but companies like Progressive and Allstate may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
- Sign Early and Save – Some larger companies reward drivers for signing up before your current coverage expires. It’s a savings of about 10%.
- Student Discounts – This discount could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Include Life Insurance and Save – Select insurance carriers reward you with a discounted premium rate on car insurance if you buy life insurance from them.
- Senior Citizen Discount – Older drivers may qualify for a small discount on rates.
It’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will positively reduce the cost of your policy.
The chart below illustrates the difference between Chevy Tahoe car insurance rates with and without discounts applied to the policy premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.
If you would like to see a list of providers that can offer you the previously mentioned discounts in Kansas City, click here to view.
Your auto insurance coverage should be tailored to you
Always keep in mind that when comparing insurance from an agent or online, there really is no one size fits all plan. Each situation is unique.
For example, these questions might point out whether or not you might need professional guidance.
- If my car is totaled with they pay enough to replace it?
- What are good deductibles for a Chevy Tahoe?
- Do I need to file an SR-22 for a DUI in Missouri?
- What is high-risk coverage and where do I buy it?
- What vehicles should carry emergency assistance coverage?
- How does medical payments coverage work?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.
Buying from car insurance agents
Certain consumers just want to have an agent’s advice and that is a smart decision A nice benefit of getting free rate quotes online is you may find better rates and still buy from a local agent.
After completing this form (opens in new window), the quote information is emailed to insurance agents in Kansas City who will give competitive quotes for your business. You don’t have to search for any insurance agencies due to the fact that quote results will go to you directly. You can get cheaper car insurance rates without a big time investment. If you have a need to get a rate quote from a specific insurance company, you just need to go to their quote page and fill out their quote form.
Selecting an insurer is decision based upon more than just a low price. Here are some questions you might want to ask.
- Is insurance their full-time profession?
- Are claims handled at the agent’s location?
- Are there any discounts that you might be missing?
- Are they able to influence company decisions when a claim is filed?
- Are there any extra charges for paying monthly?
- Which companies do they recommend if they are an independent agency?
If you prefer to buy car insurance from a reliable agent, there are two types of insurance agents and how they are distinctly different. Car insurance policy providers can be classified as either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
These type of agents write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to provide prices from multiple companies so they really need to provide good service. They are highly trained on their company’s products and that enables them to sell even at higher rates. Drivers often buy from the same agent for years partially due to loyalty to the company and strong financial ratings.
The following is a list of exclusive agencies in Kansas City willing to provide comparison quotes.
- State Farm: Tony Guy
1100 Walnut St #130 – Kansas City, MO 64106 – (816) 221-9066 – View Map - State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 – View Map - American Family Insurance – Gary Woods Agency Inc.
7211 NW 83 St Ste 140 – Kansas City, MO 64152 – (816) 587-8033 – View Map
Independent Agents (or Brokers)
Independent agencies are not limited to a single company and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If premiums increase, your agent can switch companies without you having to go to a different agency.
When comparing car insurance rates, you will want to include rate quotes from several independent agencies to have the best price comparison. They often place coverage with smaller regional carriers which could offer lower prices.
Below is a short list of independent agents in Kansas City that are able to give price quote information.
- Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
If you feel you receive reasonable responses to any questions you have and locked in a price quote, it’s possible that you found an auto insurance agent that meets the requirements to properly insure your vehicles. Just be aware that you are entitled to terminate coverage for any reason so don’t assume that you are obligated to any specific agency for a certain time period.
Smart consumers save more
When getting Kansas City car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.
Lower-priced car insurance in Kansas City can be purchased online as well as from insurance agents, so you need to shop Kansas City car insurance with both in order to have the best price selection to choose from. Some insurance providers don’t offer online rate quotes and most of the time these small, regional companies work with independent agencies.
Insureds change insurance companies for a number of reasons such as delays in paying claims, policy cancellation, high rates after DUI convictions or high prices. It doesn’t matter what your reason, finding a new car insurance company can be easier than you think.
Helpful resources
- Neck Injury FAQ (iihs.org)
- How Much are Auto Insurance Quotes for Drivers Over Age 70 in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- What Insurance is Cheapest for a Learners Permit in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Uninsured Drivers in Kansas City? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Safety Tips for Teen Drivers (Insurance Information Institute)