Auto Insurance Quotes for a Ford F-350 in Kansas City

Do you want to save money by buying the cheapest Ford F-350 insurance in Kansas City? Are you at wits end from trying to scrape together enough money to keep your car insured? You are no different than the majority of other vehicle owners in Missouri.

It’s easy to assume that insurance companies want to keep you from comparing rates. Drivers who shop around once a year are highly likely to move their business because they have a good chance of finding a lower-cost company. A recent survey found that consumers who routinely shopped around saved as much as $3,450 over four years compared to people who never compared other company’s rates.

If saving money on insurance is your ultimate target, then understanding how to get price quotes and compare car insurance can save time and make the process easier. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with catchy ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

If you are insured now or just want to reduce your rates, you can follow these tips to shop for the lowest rates and still have adequate protection. Choosing the best rates in Kansas City is really quite simple as long as you have a good starting point. Smart shoppers just need to learn the most effective way to get comparison rates online.

The most recommended method to get policy rate comparisons for Ford F-350 insurance in Kansas City is to know car insurance companies pay for the opportunity to compare their rates. To begin a comparison, all you need to do is give the companies some data like if a SR-22 is required, driver ages, if you’re married, and deductibles desired. Your insurance information is sent automatically to multiple car insurance providers and you will receive price estimates immediately.

To compare multiple company affordable Ford F-350 insurance rates now, click here and find out if you can get cheaper insurance in Kansas City.

The companies shown below are ready to provide free rate quotes in Missouri. To locate the best car insurance in Kansas City, it’s a good idea that you visit two to three different companies to find the cheapest car insurance rates.

Score discounts to get cheaper Kansas City car insurance quotes

Car insurance is not an enjoyable expense, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically at the time of quoting, but some discounts are required to be asked about before being credited.

• Professional Memberships – Having an affiliation with a civic or occupational organization in Kansas City is a simple method to lower premiums on your bill.
• Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
• Fewer Miles Equal More Savings – Low annual miles may allow you to get lower premium rates due to less chance of an accident.
• Good Driver Discounts – Safe drivers can save up to 40% or more on their Kansas City car insurance quote compared to accident prone drivers.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
• Mature Driver Discount – Older drivers may qualify for reduced rates.
• ABS Braking Discount – Cars with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
• Data Collection Discounts – Drivers who elect to allow their company to study driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will let one accident slide before hitting you with a surcharge if you have no claims for a particular time prior to the accident.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

The illustration below illustrates the difference between Ford F-350 car insurance costs with and without policy discounts. The costs are based on a male driver, no violations or accidents, Missouri state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

For a list of insurers with discount car insurance rates in Kansas City, click here to view.

Data for Ford F-350 insurance

The price information displayed next covers different policy rates for Ford F-350 models. Learning more about how car insurance prices are figured can assist in making decisions when choosing a new policy provider.

Data rating is based on 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, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location which can change premium rates considerably.

Full coverage or liability only

The information below shows the difference between Ford F-350 auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The costs are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s say your Ford F-350 book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year to have full coverage, then it could be time to drop full coverage.

There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Auto insurance is available from local agents

Many drivers still like to sit down with an agent and that can be a smart move Agents will help you protect your assets and give you someone to call. The biggest benefit of getting online price quotes is the fact that drivers can get cheaper rates and still have a local agent.

To help locate an agent, after submitting this simple form, the coverage information is submitted to agents in your area who will gladly provide quotes for your coverage. You won’t even need to search for any insurance agencies since rate quotes are delivered to you directly. In the event you want to compare prices from a specific auto insurance provider, don’t hesitate to jump over to their website and complete a quote there.

Picking the best company needs to be determined by more than just the bottom line cost. You should also get answers to these questions.

• Do they have 24-hour customer assistance?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Will the agent or a CSR service your policy?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Are they able to influence company decisions when a claim is filed?

The different types of auto insurance agents

If you want a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Agents in Kansas City can either be independent agents or exclusive agents depending on their employer. Either one can write auto insurance policies, but it is a good idea to know how they differ since it could factor into your agent selection.

Exclusive Agencies

These type of agents can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates.

Listed below is a list of exclusive agencies in Kansas City that can give you rate quotes.

View more Kansas City agents

Independent Insurance Agents

Agents that elect to be independent are not employed by any specific company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If prices rise, an independent agent can move your coverage and you don’t have to find a new agent.

If you are comparing rate quotes, we highly recommend that you get insurance quotes from multiple independent agents to get the most accurate price comparison.

The following are Kansas City independent agencies who can help you get price quotes.

View more Kansas City agents

Auto insurance can be complex

When it comes to adequate coverage, there really is no perfect coverage plan. Each situation is unique and your auto insurance should unique, too.
Here are some questions about coverages that might point out if you would benefit from professional advice.

• Is my nanny covered when transporting my kids?
• When can my company non-renew my policy?
• What is glass protection for?
• If I use my vehicle for business use is it covered?
• Can my babysitter drive my car?
• Will damage be repaired with OEM parts?
• Does low annual mileage earn a discount?
• Do I need to file an SR-22 for a DUI in Missouri?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

What Impacts Ford F-350 Insurance Premiums?

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that are used to determine your car insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that could help you find better car insurance rates.

Getting married brings a discount – Having a spouse helps lower the price on car insurance. Having a spouse demonstrates that you tend to be more financially stable and it’s statistically proven that married drivers tend to file fewer claims.

Safety ratings are a factor – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If your Ford is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Your gender affects costs – Over time, data shows females are less aggressive when driving. However, don’t assume that females are better at driving than males. Females and males are responsible for at-fault accidents at about the same rate, but men cause more damage. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

The illustration below visualizes the comparison of Ford F-350 yearly insurance costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Where you live is a factor – Having an address in less populated areas of the country can be a good thing when buying car insurance. People in densely populated areas have congested traffic and a longer drive to work. Less people translates into fewer accident claims and lower theft and vandalism rates.

See if your company offers a multi-policy discount – Some insurance companies give better rates to insureds who carry more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount, drivers will still want to comparison shop to make sure you are getting the best deal.

Only buy coverage you need – Insurance policies have a lot of extra coverages you can purchase on your car insurance policy. Add-on coverages like roadside assistance, better glass coverage, and membership fees are some examples. You may think they are a good idea initially, but if they’re wasting money eliminate them to save money.

Don’t cancel your coverage without a new one in place – Driving with no insurance can get you a ticket and any future policy may cost more because you let your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with the Missouri DMV.

Responsible drivers pay less – How you drive impacts your car insurance rates tremendously. Attentive drivers tend to pay less for car insurance as compared to those with violations. Getting just one driving citation could increase your next policy renewal substantially. Drivers unfortunate enough to have careless citations such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.

The illustration below shows how violations and at-fault claims can raise Ford F-350 yearly insurance costs for each age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Loss statistics for a Ford F-350 – Auto insurance companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Vehicles that the statistics show to have higher frequency or amount of claims will have a higher premium rate.

The table below illustrates the collected loss data for Ford F-350 vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate higher probability of having a loss or statistically larger losses.

Car insurance is an important decision

Despite the high cost, insuring your vehicle is required in Missouri but it also protects you in many ways.

• The majority of states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance if you don’t want to risk a ticket. 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 have a loan on your F-350, almost all lenders will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Ford at a more expensive rate and force you to pay for it.
• Car insurance protects both your assets and your Ford F-350. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Ford gets damaged, your policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. The average driver in Missouri is overpaying more than $700 annually so you should quote and compare rates at least once a year to ensure rates are inline.

Missouri auto insurance companies ranked

Choosing the best insurance company is difficult considering how many companies there are to choose from in Kansas City. The ranking information displayed below could help you choose which auto insurers you want to consider purchasing a policy from.

Top 10 Kansas City Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Affordable insurance premiums are possible

Cheaper insurance in Kansas City is possible on the web as well as from independent agents in Kansas City, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide online rate quotes and usually these small insurance companies provide coverage only through independent insurance agents.

In this article, we presented many ideas to lower your Ford F-350 insurance premium rates in Kansas City. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier. Some small companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

How to find more affordable Ford F-350 insurance in Kansas City

If saving the most money is your goal, then the best way to quote cheaper car insurance rates in Kansas City is to make a habit of comparing prices annually from insurance carriers who sell insurance in Missouri.

• Step 1: Read and learn about individual coverages and the things you can control to prevent rate increases. Many policy risk factors that increase rates like at-fault accidents, careless driving, and a negative credit score can be remedied by making lifestyle changes or driving safer.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while independent agents can provide price quotes for a wide range of insurance providers. Get quotes now
• Step 3: Compare the quotes to your current policy and determine if cheaper F-350 coverage is available in Kansas City. If you can save money, ensure there is no coverage lapse between policies.

A crucial key to this process is that you’ll want to compare identical limits and deductibles on every quote and and to analyze every insurance company. Doing this ensures a fair rate comparison and a complete price analysis.

Additional resources

• Distracted Driving Statistics (Insurance Information Institute)
• Who Has Cheap Auto Insurance for a Nissan Sentra in Kansas City? (FAQ)
• Who Has Affordable Car Insurance Rates for Drivers with Accidents in Kansas City? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Kansas City? (FAQ)
• Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for High School Students in Kansas City? (FAQ)
• Who Has Cheap Kansas City Auto Insurance for Uber Drivers? (FAQ)
• Credit and Insurance Scores (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)