The best way to get low-cost car insurance rates is to start comparing rates regularly from insurers who sell auto insurance in Kansas City.
First, try to understand car insurance and the measures you can control to keep rates down. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and a less-than-favorable credit score can be eliminated by being financially responsible and driving safely.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can give you price quotes for many different companies. Compare rates now
Third, compare the new rates to the premium of your current policy to determine if you can save on Ridgeline insurance. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel your existing policy and submit a down payment along with a signed application to your new agent or company. Be sure to safely store the certificate of insurance somewhere easily accessible.
A good tip to remember is to try to compare identical coverages on each price quote and and to look at every company you can. This ensures a fair rate comparison and the best price quote selection.
We don’t have to tell you that car insurance companies want to prevent you from shopping around. People who shop around once a year will, in all likelihood, move their business because of the high probability of finding a policy with more affordable rates. A study discovered that people who shopped around saved about $72 a month compared to people who don’t regularly compare prices.
If finding the cheapest price for Honda Ridgeline insurance is your goal, understanding how to shop and compare cheaper coverage can make it easier to find better rates.
Affordable Honda insurance rates in Kansas City
The following companies have been selected to offer comparison quotes in Missouri. If you want to find cheaper auto insurance in Kansas City, MO, we recommend you compare several of them to find the lowest car insurance rates.
Detailed insurance information
The price information displayed below showcases detailed analysis of insurance rates for Honda Ridgeline models. Being more informed about how policy premiums are determined can aid in making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ridgeline RT 4WD||$220||$468||$392||$24||$118||$1,222||$102|
|Ridgeline RTS 4WD||$248||$468||$392||$24||$118||$1,250||$104|
|Ridgeline RTL 4WD||$248||$552||$392||$24||$118||$1,334||$111|
|Ridgeline RTL W/Navigation 4WD||$248||$552||$392||$24||$118||$1,334||$111|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can lower or raise auto insurance rates significantly.
Should you buy full coverage?
The example below shows the comparison of Honda Ridgeline insurance rates with and without physical damage coverage. The premiums are based on no claims, a clean driving record, $500 deductibles, single marital status, and no other discounts are factored in.
When to stop buying full coverage
There is no written rule for phasing out physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your Honda Ridgeline replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the deductible is paid. If you are currently paying more than $300 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Discounts can help to save on Honda Ridgeline insurance in Kansas City
Not many people think insurance is cheap, but there could be significant discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but a few must be requested specifically before you get the savings.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
- Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate and Progressive allow you one accident without the usual rate increase if you have no claims for a specific time period.
- College Student – Older children who are enrolled in higher education away from home and do not have a car could qualify for this discount.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off the personal injury premium cost.
- Memberships – Joining certain professional organizations is a good way to get lower rates on your bill.
It’s important to understand that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.
The diagram below visualizes the comparison of Honda Ridgeline insurance rates with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.
A few popular companies and a selection of discounts are included below.
- Esurance may have discounts that include homeowner, anti-theft, online shopper, renters, multi-policy, and paid-in-full.
- The Hartford has savings for anti-theft, bundle, defensive driver, vehicle fuel type, driver training, and good student.
- AAA offers discounts for AAA membership discount, education and occupation, multi-car, pay-in-full, good driver, multi-policy, and good student.
- GEICO has discounts for membership and employees, anti-theft, air bags, good student, and multi-policy.
- State Farm may offer discounts for accident-free, good driver, safe vehicle, Steer Clear safe driver discount, and defensive driving training.
Before buying, ask each insurance company to apply every possible discount. Savings might not be offered on policies in Kansas City.
It’s not one size fits all
When it comes to insurance from an agent or online for your vehicles, there really isn’t a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.
- Do I have coverage when using my vehicle for my home business?
- Do I need special coverage while pulling a rented trailer?
- Does my Honda Ridgeline qualify for pleasure use?
- Should I drop comprehensive coverage on older vehicles?
- Why do I have to buy liability insurance?
- Can I get a multi-policy discount?
- Should I have a commercial auto policy?
- What can I do if my company won’t pay a claim?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Getting quotes from local Kansas City car insurance agents
A lot of people just prefer to buy from a local agent and we recommend doing that Good insurance agents can point out coverage gaps and help file insurance claims. One of the benefits of comparing insurance prices online is that drivers can save money and get better rates and still have a local agent. And buying from small agencies is definitely important in Kansas City.
To help locate an agent, after submitting this form (opens in new window), the quote information is submitted to agents in your area that can provide free Kansas City auto insurance quotes for your insurance coverage. You never need to search for any insurance agencies as quotes are delivered straight to your inbox. If you have a need to quote rates from a specific insurance provider, just jump over to their website to submit a rate quote request.
When looking for a local agent, there are a couple of different types of agencies and how they differ in how they quote coverages. Agents in Kansas City can either be exclusive or independent. Either can sell insurance policies, but it is a good idea to know how they are different since it may influence which agent you choose.
Agents that elect to be independent do not sell for just one brand so they can write business with an assortment of companies and potentially find a lower price. If they find a cheaper price, the business is moved internally which makes it simple for you. If you are comparing rate quotes, we highly recommend that you get several quotes from at least one independent agent so that you can do a thorough price comparison.
Shown below is a short list of independent insurance agencies in Kansas City that can give you free price quotes.
Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map
Agents in the exclusive channel have only one company to place business with such as State Farm, Allstate, and Farm Bureau. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates.
Listed below are exclusive agencies in Kansas City that are able to give rate quotes.
Picking an car insurance agent should include more criteria than just the price. The answers to these questions are important, too.
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they write coverage based solely on cost?
- Do they specialize in personal lines auto insurance in Kansas City?
- Did they already check your driving record and credit reports?
- Will their companies depreciate repairs to your car based on the mileage?
- Are there any discounts that you might be missing?
Cover all your bases
More affordable auto insurance in Kansas City is attainable from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide rates over the internet and usually these smaller companies provide coverage only through independent insurance agents.
When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at a price you can afford.
More tips and info about auto insurance can be read in the articles below:
- What is Full Coverage? (Allstate)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- Who Has the Cheapest Auto Insurance for Inexperienced Drivers in Kansas City? (FAQ)
- How Much are Kansas City Car Insurance Quotes for Veterans? (FAQ)
- Who Has Cheap Kansas City Auto Insurance for Uber Drivers? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)