Remarkably, a study showed that over 70% of consumers have stayed with the same insurance company for a minimum of four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. With the average car insurance premium being $1,847, U.S. drivers could cut their rates by nearly 47% a year just by getting comparison quotes, but they assume it’s a waste of time to save money by comparing rate quotes.
If you want to find the absolute lowest rates, then the best way to find cheaper prices for Dodge Stratus insurance is to compare prices annually from companies in Kansas City.
- Spend a few minutes and learn about how car insurance works and the factors you can control to prevent expensive coverage. Many risk factors that cause high rates such as at-fault accidents, speeding tickets, and a low credit score can be controlled by making minor changes to your lifestyle.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
- Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Kansas City. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide proper notification to your current company to cancel your current coverage. Submit a down payment along with a completed application to your new insurance company. Immediately upon receiving it, place the new certificate verifying coverage in an easily accessible location.
A good tip to remember is that you use similar coverage information on every price quote and and to look at as many companies as you can. This helps ensure an accurate price comparison and the best price quote selection.
If you are already insured or just want a better rate, you can use this information to cut your premiums without sacrificing coverage. Locating the most cost-effective car insurance policy in Kansas City can be much easier if you know how to start. Comparison shoppers just need to understand the most efficient way to compare rates from many companies at once.
How to get free Dodge Stratus insurance quotes online
Finding a better price on car insurance can be quick and easy. The only thing you need to do is take the time to get quotes from some recommended companies.
Online shopping is fast and free, and it makes it obsolete to make phone calls or go to insurance agents’ offices. Quoting Dodge Stratus insurance online has made agencies unnecessary unless your situation requires the professional assistance only provided by licensed agents. It is possible with some companies find lower rates online but have a local agent actually write the policy.
The providers in the list below are ready to provide free quotes in Kansas City, MO. If you want to find the best car insurance in Missouri, we recommend you visit several of them to get a more complete price comparison.
Car insurance in Missouri serves several purposes
Despite the fact that car insurance is not cheap in Kansas City, insurance may not be optional for several reasons.
First, just about all states have minimum liability requirements which means you are required to buy a specific level of liability coverage in order to get the vehicle licensed. 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 Stratus has a loan, it’s guaranteed your bank will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Dodge at a much higher rate and require you to fork over for the much more expensive policy.
Third, insurance protects not only your Dodge Stratus but also your financial assets. It will also reimburse you for medical transport and hospital expenses incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to have it repaired.
The benefits of insuring your car outweigh the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $865 each year so it’s recommended you shop around each time the policy renews to save money.
Lower Your Kansas City Insurance Prices
Many things are considered when premium rates are determined. Some are obvious such as traffic violations, although some other factors are less apparent like your continuous coverage or your financial responsibility.
The itemized list below are a few of the “ingredients” that factor into your premiums.
Prices are affected by your address – Residing in less populated areas has it’s advantages if you are looking for the lowest rates. Fewer people means less chance of accidents as well as less vandalism and auto theft. Urban drivers have congested traffic and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
Your gender affects premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men get in accidents at about the same rate, but men tend to have higher claims. Not only are claims higher, but men get more serious tickets such as DWI and reckless driving. Teenage male drivers generally have the highest accident percentage and thus pay the highest rates.
Premiums are affected by your credit history – A driver’s credit history factor in determining your rates. If your credit score is lower than you’d like, you could be paying less to insure your Dodge Stratus by taking the time to improve your credit score. Insureds with very high credit ratings tend to be better risks to insure than drivers who have lower ratings.
Choose high IIHS safety ratings and save – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders. If your Dodge Stratus is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Don’t cancel your car insurance policy without a new one in place – Allowing your car insurance policy to lapse will be a fast way to drive up your policy premiums. Not only will rates go up, the inability to provide proof of insurance will get you fines and jail time. You may have to file a SR-22 with the Missouri department of motor vehicles.
Bad drivers pay high prices – Being a careful driver impacts your car insurance rates tremendously. Getting just one moving violation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have serious citations like DUI or reckless driving may find that they have to to prove financial responsibility with their state DMV in order to prevent a license revocation.
Age of drivers impacts costs – Young drivers in Missouri are statistically proven to be inattentive with other occupants in the car so they pay higher car insurance rates. Parents adding a teenage driver onto a policy can be very expensive. More experienced drivers are more responsible, tend to cause fewer accidents, and are safer drivers.
Affordable insurance premiums are out there
Some insurance companies do not offer rate quotes online and these regional carriers sell through local independent agencies. Cheap Dodge Stratus insurance in Kansas City can be purchased from both online companies in addition to many Kansas City insurance agents, and you should compare rates from both to get a complete price analysis.
We just covered some good ideas how you can find lower-cost Dodge Stratus insurance in Kansas City. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost Kansas City auto insurance quotes. Consumers may even find the best price on insurance is with a lesser-known regional company. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Kia Forte? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Kansas City? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Top Signs Your Brakes are Giving Out (State Farm)