Smart shoppers know that car insurance companies don’t want you comparing rates. Drivers who shop around once a year will most likely switch insurance companies because of the good chance of finding a policy with more affordable rates. A recent study showed that consumers who routinely compared quotes saved about $3,500 over four years as compared to drivers who never compared other company’s rates.
If finding the best price on car insurance in Kansas City is your goal, then knowing how to quote prices and compare insurance rates can save time and make the process easier.
Really, the only way to get affordable auto insurance rates in Kansas City is to compare prices annually from different companies who can sell car insurance in Missouri. Prices can be compared by following these steps.
- Try to comprehend car insurance and the measures you can take to prevent rate increases. Many rating criteria that cause high rates such as multiple speeding tickets and a less-than-favorable credit history can be rectified by improving your driving habits or financial responsibility.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources. Compare rates now
- Compare the new quotes to your existing rates and determine if cheaper M37 coverage is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Tell your current agent or company to cancel your existing policy and submit payment along with a signed and completed policy application to the new insurer. Make sure you safely store the proof of insurance certificate somewhere easily accessible.
The key aspect of shopping around is to make sure you enter similar limits and deductibles on each quote and and to get prices from as many different companies as possible. Doing this ensures an accurate price comparison and a complete rate analysis.
Cheapest companies for Infiniti M37 insurance in Missouri
The following companies provide free quotes in Missouri. If you want to find the cheapest auto insurance in Missouri, we recommend you visit several of them to get the best price comparison.
Save a ton by taking advantage of these six discounts
Companies don’t list every policy discount in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden savings tricks you should be using when you buy Kansas City auto insurance online.
- Bundle and Save – If you insure your home and vehicles with the same company you will save up to 20% off your total M37 insurance premium.
- Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote Kansas City auto insurance with some auto insurance companies.
- Theft Prevention System – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
- Senior Citizen Discount – Seniors may be able to get a small discount on rates.
- Save with a New Car – Insuring a vehicle that is new is cheaper since newer models are generally safer.
- College Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Just know that most credits do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts should help lower your premiums.
Some companies that have these benefits may include but are not limited to:
If you are trying to find the cheapest Infiniti M37 rate quotes, ask each company or agent how many discounts you can get. Discounts may not apply to policyholders everywhere. To choose providers with the best discounts in Kansas City, click this link.
Independent and exclusive insurance agents
A lot of people prefer to buy from a local agent and that is a personal choice. Professional insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about getting online price quotes is you can get lower prices and still have an agent to talk to.
After completing this short form, your information is emailed to participating agents in Kansas City who can give free rate quotes for your business. There is no need to leave your house because quoted prices will be sent straight to your inbox. In the event you want to get a comparison quote from a specific auto insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.
Finding a good company requires more thought than just the price. These are some questions your agent should answer.
- Does the company have a local claim office in Kansas City?
- Are all drivers listed on the coverage quote?
- Is the agent and/or agency licensed to do business in Missouri?
- Will they give you a referral list?
- Is working in the agency their full-time job?
- Is there a 24/7 contact number?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has the business existed?
What type of Kansas City auto insurance agent is right for you?
When researching a reliable insurance agent, it’s important to understand the types of insurance agents and how they function. Auto insurance agents in Kansas City are either exclusive or independent. Either one can write auto insurance policies, but it’s worth mentioning the subtle differences since it can affect the kind of agent you use.
Exclusive Insurance Agents
Agents in the exclusive channel are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training on their products and sales techniques which helps them sell insurance even at higher premiums. Many people use the same exclusive agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
Shown below are exclusive insurance agencies in Kansas City who can help you get rate quotes.
- Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map
- Debbie Baker Krough – State Farm Insurance Agent
6300 Walnut – Kansas City, MO 64113 – (816) 361-4200 – View Map
- Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map
Independent Insurance Agents
Independent agents can quote rates with many companies so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company without you having to go to a different agency. If you are comparing rate quotes, you will definitely want to get quotes from multiple independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with smaller mutual companies which may have better rates.
Listed below are Kansas City independent insurance agents that can give you comparison quotes.
- DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map
- Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
Everyone needs different auto insurance coverages
When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed.
These are some specific questions can aid in determining if your insurance needs will benefit from professional help.
- Can my teen drive my company car?
- Is a new car covered when I drive it off the dealer lot?
- Why am I be forced to buy a membership to get insurance from some companies?
- How many claims can I have before being canceled?
- If my pet gets injured in an accident are they covered?
- Does my insurance cover a custom paint job?
- How can I find cheaper teen driver insurance?
- How do I insure my teen driver?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Auto insurance coverage considerations
Understanding the coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.
Liability car insurance
Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/10 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property.
Liability coverage pays for claims like bail bonds, medical services, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Missouri requires drivers to carry at least 25/50/10 but you should consider buying higher limits.
The chart below shows why buying minimum limits may not provide you with enough coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Infiniti M37.
Since a lot of drivers only carry the minimum required liability limits (25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for bills such as doctor visits, ambulance fees and surgery. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
This coverage pays for damage to your M37 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as rolling your car, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible on your M37 to get cheaper collision coverage.
Cheap car insurance premiums are out there
In this article, we presented a lot of ways to reduce Infiniti M37 insurance auto insurance rates online in Kansas City. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a lesser-known regional company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as GEICO and State Farm.
When getting Kansas City auto insurance quotes online, you should never sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.
More information is available on the following sites:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Car Insurance Rates for a School Permit in Kansas City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Safety Features for Your New Car (State Farm)
- Your Car has been Stolen: Now What? (Allstate)