The preferred way to get cheaper Chevy Traverse insurance in Kansas City is to make a habit of comparing prices annually from providers who can sell car insurance in Missouri. Prices can be compared by completing these steps.
- Try to learn about coverages and the things you can control to keep rates low. Many rating criteria that result in higher prices such as accidents, careless driving, and an unfavorable credit rating can be improved by making minor changes in your lifestyle.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers. Click to view companies
- Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Kansas City. If you can save some money and switch companies, verify that coverage does not lapse between policies.
A good tip to remember is to try to use the same coverage limits and deductibles on each quote and and to look at all possible companies. This guarantees an apples-to-apples comparison and a complete selection of prices.
It’s an obvious assumption that car insurance companies don’t want you quoting rates from other companies. Consumers who shop around for better prices are very likely to buy a new policy because there is a good probability of finding a more affordable policy premium. A study discovered that people who routinely shopped around saved over $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding the lowest price for Chevy Traverse insurance is your ultimate goal, understanding the best ways to find and compare cheaper coverage can help make the process easier.
Car insurance discounts help lower rates for Chevy Traverse insurance in Kansas City
Companies that sell car insurance do not advertise their entire list of discounts very clearly, so we took the time to find a few of the more common and the more hidden discounts you could be receiving when you buy Kansas City car insurance online.
- Data Collection Discounts – Drivers who elect to allow their car insurance company to analyze when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm may see discounts if they exhibit good driving behavior.
- Sign Online – Some of the larger companies will discount your bill up to fifty bucks shop Kansas City car insurance over the internet.
- No Charge for an Accident – Not necessarily a discount, but some insurance companies permit an accident before your rates go up so long as you are claim-free prior to the accident.
- Safety Course Discount – Completing a course in safe driver may get you a small discount if you qualify.
- Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles with the same company could earn a price break for each car.
- Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
- Renewal Discounts – Some larger companies reward drivers for signing up prior to the expiration date on your current Traverse insurance policy. Ten percent is about the average savings.
- Auto/Home Discount – If you combine your auto and homeowners policies and insure them with the same company you may earn up to 20% off your total Traverse insurance premium.
- Kansas City Homeowners Pay Less – Owning your own home or condo can save a few bucks because of the fact that having a home is proof of financial responsibility.
- Smart Student Discounts – This discount could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
Don’t be shocked that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.
The diagram below shows the comparison of Chevy Traverse car insurance costs with and without some available policy discounts. The premiums are based on a female driver, a clean driving record, no claims, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.
Insurance companies that have most of these discounts include:
When quoting, ask every prospective company how you can save money. All car insurance discounts might not be offered on policies everywhere.
Compare quotes for Kansas City Chevy Traverse insurance
There are several ways to compare prices from all the different companies. The easiest way to lower the rate you pay for Chevy Traverse insurance is to use the internet to compare rates.
Keep in mind that comparing a large number of companies helps locate the best rates. Not every company allows you to get online Kansas City Traverse insurance quotes, so you also need to get quotes on coverage from those companies, too.
The companies shown below offer quotes in Missouri. If multiple companies are listed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Car insurance analysis for a Chevy Traverse
The data table shown below outlines a range of coverage costs for Chevy Traverse models. Having a better idea how car insurance prices are formulated can help you make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $262 | $340 | $296 | $18 | $88 | $1,004 | $84 |
| Traverse LS AWD | $294 | $340 | $296 | $18 | $88 | $1,036 | $86 |
| Traverse LT 2WD | $294 | $340 | $296 | $18 | $88 | $1,036 | $86 |
| Traverse LT AWD | $294 | $414 | $296 | $18 | $88 | $1,110 | $93 |
| Traverse LTZ 2WD | $294 | $414 | $296 | $18 | $88 | $1,110 | $93 |
| Traverse LTZ AWD | $294 | $414 | $296 | $18 | $88 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific location which can alter prices significantly.
Comparison of policy deductibles
When shopping for car insurance, a common question is where should you set your physical damage deductibles. The tables below may aid in understanding the rate differences between high and low insurance deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $230 | $340 | $226 | $14 | $68 | $903 | $75 |
| Traverse LS AWD | $258 | $340 | $226 | $14 | $68 | $931 | $78 |
| Traverse LT 2WD | $258 | $340 | $226 | $14 | $68 | $931 | $78 |
| Traverse LT AWD | $258 | $414 | $226 | $14 | $68 | $1,005 | $84 |
| Traverse LTZ 2WD | $258 | $414 | $226 | $14 | $68 | $1,005 | $84 |
| Traverse LTZ AWD | $258 | $414 | $226 | $14 | $68 | $1,005 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $168 | $230 | $226 | $14 | $68 | $706 | $59 |
| Traverse LS AWD | $188 | $230 | $226 | $14 | $68 | $726 | $61 |
| Traverse LT 2WD | $188 | $230 | $226 | $14 | $68 | $726 | $61 |
| Traverse LT AWD | $188 | $280 | $226 | $14 | $68 | $776 | $65 |
| Traverse LTZ 2WD | $188 | $280 | $226 | $14 | $68 | $776 | $65 |
| Traverse LTZ AWD | $188 | $280 | $226 | $14 | $68 | $776 | $65 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can increase or decrease prices significantly.
We can derive from the above data that using a $100 deductible costs an average of $18 more each month or $216 for a full year across all Chevrolet Traverse models than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 22 months between claims, you would most likely save money if you elect the higher deductible.
Driving violations and accidents
The example below illustrates how speeding tickets and at-fault claims influence Chevy Traverse premium costs for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Premiums by gender and age
The diagram below visualizes the comparison of Chevy Traverse auto insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Should you buy full coverage?
The illustration below illustrates the difference between Chevy Traverse insurance costs with full coverage compared to only the Missouri minimum liability coverage. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no exact formula of when to eliminate full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Chevy Traverse book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after you pay the deductible. If premiums are more than $200 a year for full coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Neighborhood insurance agents
Many people would prefer to get advice from a local agent and doing that can be a smart decision A nice benefit of comparing insurance online is that you can find the lowest rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), the coverage information is sent to local insurance agents who will return price quotes for your insurance coverage. You never need to drive around because prices are sent immediately to your email address. You can find better rates and a licensed agent to work with. In the event you want to compare rates from a specific insurance provider, you would need to navigate to their website and fill out the quote form the provide.
Picking an provider should include more criteria than just the bottom line cost. Any good agent in Kansas City should know the answers to these questions.
- Is there any savings for paying the full premium?
- Does the agent have a valid license to sell insurance in Missouri?
- Does the agent help file claims?
- Do they get extra compensation for selling add-on coverages?
- What is the financial rating for the quoted company?
If you want to buy insurance from an insurance agent, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Insurance policy providers may be either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Exclusive agents write business for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide other company’s prices so they really need to provide good service. They are highly trained on the products they sell which can be an advantage. Drivers often buy from the same agent for years mostly because of the brand legacy and strong financial ratings.
Shown below are Kansas City exclusive agencies that can give you price quote information.
- Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558 – View Map - David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map - Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362 – View Map
Independent Insurance Agents
Agents that choose to be independent are not employed by one company so they can quote policies with a variety of different insurance companies and get you the best rates possible. If they find a cheaper price, they simply switch companies in-house and that require little work on your part. If you need cheaper insurance rates, you will want to include price quotes from at least one independent agent to have the most options to choose from. A lot of them also have access to small regional insurance companies which may have better rates.
Shown below is a list of independent insurance agents in Kansas City that can give you price quotes.
- Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map
Car insurance protects more than just your car
Despite the fact that car insurance is not cheap in Kansas City, paying for car insurance is required by state law in Missouri and it also provides benefits you may not be aware of.
- Just about all states have mandatory insurance requirements which means state laws require a minimum amount of liability if you drive a vehicle. 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 Chevy Traverse with a loan, most banks will require that you have full coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Chevy at a much higher rate and require you to fork over the higher premium.
- Car insurance preserves both your Chevy and your personal assets. Insurance will pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will cover the repair costs.
The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is currently overpaying as much as $830 a year so compare quotes from several companies every year to be sure current rates are still competitive.
Parts of your auto insurance policy
Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Collision protection
This coverage will pay to fix damage to your Traverse caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like rolling your car, hitting a parking meter, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible on your Traverse to save money on collision insurance.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for expenses such as pain medications, X-ray expenses, surgery, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Traverse.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision)
This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, theft and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Auto liability
This provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/10 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims like court costs, repair costs for stationary objects, bail bonds, medical expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible. Missouri state minimum liability requirements are 25/50/10 but you should consider buying more coverage.
The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.
Quote. Compare. Save.
Some insurance companies don’t offer the ability to get a quote online and these regional carriers prefer to sell through independent agents. Low-cost Chevy Traverse insurance in Kansas City is definitely available online and also from your neighborhood Kansas City agents, so you should be comparing quotes from both to get a complete price analysis.
You just read some good ideas how to save on Chevy Traverse insurance in Kansas City. The key concept to understand is the more companies you get auto insurance rates for, the higher your chance of finding the cheapest Chevrolet Traverse rate quotes. You may even be surprised to find that the lowest rates are with a small mutual company.
Insureds who switch companies do it for a variety of reasons including denial of a claim, lack of trust in their agent, delays in paying claims or poor customer service. It doesn’t matter what your reason, switching car insurance companies can be less work than you think.
To learn more, feel free to visit the articles below:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Kansas City Car Insurance Rates for Handicapped Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Postal Workers in Kansas City? (FAQ)
- Who Has Affordable Car Insurance Rates for a School Permit in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Accord in Kansas City? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Frontal Crash Tests (iihs.org)