It’s shocking but over 70% of drivers kept their policy with the same company for a minimum of four years, and 38% of customers have never quoted auto insurance rates at all. The average driver in Kansas City could save themselves $323 a year by just comparing rate quotes, but they just don’t understand how easy it is to find affordable auto insurance rates.
If you want to find the absolute lowest rates, then the best way to get more affordable Hyundai Elantra insurance in Kansas City is to compare quotes annually from providers who can sell car insurance in Missouri. You can compare rates by following these guidelines.
- Try to understand car insurance and the steps you can take to keep rates low. Many rating factors that drive up the price like speeding tickets, careless driving and a less-than-favorable credit history can be amended by making lifestyle changes or driving safer. This article gives ideas to get affordable coverage and get bigger discounts.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.
- Compare the new rate quotes to the premium of your current policy and see if you can save money. If you can save some money, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit a completed policy application and payment to the new company. As soon as coverage is bound, put the proof of insurance paperwork in an easily accessible location in your vehicle.
One key aspect when comparing rates is to make sure you’re comparing identical limits and deductibles on every price quote and and to get rate quotes from as many car insurance companies as possible. This guarantees an apples-to-apples comparison and a complete rate analysis.
Most larger insurance companies give prices for coverage on the web. Comparing prices online for Hyundai Elantra insurance in Kansas City is possible for anyone as you simply type in the amount of coverage you want as requested by the quote form. Behind the scenes, the quote system obtains credit information and your driving record and generates pricing information.
Getting online rate quotes for Hyundai Elantra insurance in Kansas City helps simplify price comparisons, and it’s absolutely necessary to have as many quotes as possible if you are searching for the cheapest price on auto insurance.
To save time and compare rates now, compare rates from the companies below. If you have coverage now, it’s recommended you replicate your coverages exactly as they are listed on your policy. This helps ensure you will get a fair comparison based on the exact same insurance coverage.
The companies in the list below provide free quotes in Kansas City, MO. To find the best cheap car insurance in Kansas City, MO, we suggest you click on several of them to get the most competitive price.
Three reasons to insure your Hyundai vehicle
Even though Kansas City Elantra insurance rates can get expensive, buying auto insurance is required by state law in Missouri and it also provides benefits you may not be aware of.
- Almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to be legal. 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 lien on your Elantra, almost all lenders will require you to have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Hyundai at an extremely high rate and require you to reimburse them for the much more expensive policy.
- Insurance safeguards not only your car but also your financial assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your Hyundai gets damaged, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. But the average American driver is currently overpaying as much as $700 annually so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.
Hyundai Elantra insurance rate analysis
The rate table shown below covers detailed analysis of insurance rates for Hyundai Elantra models. Having a better idea how car insurance premiums are calculated can help drivers make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$96||$176||$238||$14||$72||$596||$50|
|Elantra Blue 4-Dr Sedan||$96||$252||$280||$16||$84||$728||$61|
|Elantra GLS 4-Dr Sedan||$110||$252||$280||$16||$84||$742||$62|
|Elantra SE 4-Dr Sedan||$110||$252||$280||$16||$84||$742||$62|
|Elantra SE Touring Station Wagon||$110||$214||$238||$14||$72||$648||$54|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates significantly.
The information below demonstrates how deductibles and can affect Hyundai Elantra insurance costs for different age groups. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Cost of full coverage
The information below illustrates the comparison of Hyundai Elantra annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying full coverage
There is no specific rule of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Hyundai Elantra replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after you pay the deductible. If you are currently paying more than $700 a year for physical damage coverage, then you might consider buying liability only.
There are some cases where removing full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Save a ton on Hyundai Elantra insurance in Kansas City with these insurance discounts
Some providers don’t always advertise every available discount very clearly, so below is a list a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Kansas City car insurance online.
- Accident Waiver – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
- Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
- Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
Please keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your policy premiums.
The information below shows the comparison of Hyundai Elantra yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, multi-car, safe-driver, and claim-free discounts applied.
A few popular companies and some of the premium reductions they offer are outlined below.
- Progressive has discounts for good student, online signing, multi-policy, continuous coverage, and online quote discount.
- The Hartford policyholders can earn discounts including good student, driver training, bundle, vehicle fuel type, air bag, anti-theft, and defensive driver.
- Mercury Insurance discounts include ease of repair, anti-theft, type of vehicle, multi-car, and multi-policy.
- GEICO offers discounts for anti-theft, daytime running lights, good student, membership and employees, seat belt use, and five-year accident-free.
- AAA may have discounts that include anti-theft, pay-in-full, multi-policy, education and occupation, multi-car, good student, and AAA membership discount.
- State Farm has savings for good student, multiple autos, safe vehicle, driver’s education, good driver, passive restraint, and Drive Safe & Save.
Check with every insurance company which discounts they offer. A few discounts may not apply to policyholders in every state. To choose companies with the best discounts in Kansas City, click this link.
When to talk to a local insurance agent
Many people still prefer to talk to a local agent and we recommend doing that Professional agents can make sure you are properly covered and help in the event of a claim. A good thing about getting online price quotes is you may find better rates and still have a local agent. Buying from and supporting local insurance agencies is still important in Kansas City.
For easy comparison, once you complete this simple form, your information is immediately sent to insurance agents in Kansas City who can give free rate quotes for your business. There is no reason to contact any agents since price quotes are sent directly to you. If you need to get a comparison quote from a specific insurance company, just navigate to their website and give them your coverage information.
When looking for a local agent, you need to know there are two different types of agencies and how they function. Insurance agencies in Kansas City can either be independent or exclusive. Both types can sell car insurance policies, but it’s important to point out how they differ since it could factor into your agent selection.
Independent Car Insurance Agents
Agents that choose to be independent often have many company appointments and that is an advantage because they can write policies through many companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, you need to get insurance quotes from several independent agencies to have the most options to choose from. Many independent agencies also insure through lesser-known insurance companies that may have much lower rates than larger companies.
Listed below is a list of independent insurance agencies in Kansas City that can possibly get you free car insurance rate quotes.
- ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map
- InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
- Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 – View Map
Exclusive Car Insurance Agents
Exclusive agents normally can only provide a single company’s rates and some examples include Farmers Insurance or State Farm. They are unable to provide other company’s prices so they have no alternatives for high prices. They receive a lot of sales training on sales techniques and that allows them to sell at a higher price point. Consumers often buy from the same agent for years mostly because of loyalty to the company rather than having the cheapest rates.
Below are Kansas City exclusive agents who can help you get price quotes.
- Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 – View Map
- American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
- Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map
Finding the right car insurance agent should include more criteria than just the premium amount. Some important questions to ask are:
- Is the agency covered by Errors and Omissions coverage?
- Is there a local claims center in Kansas City?
- In the event of vehicle damage, can you pick the collision repair facility?
- Can they give you a list of client referrals?
- Is every driver in your family covered?
What is the best auto insurance coverage?
Always remember that when buying adequate coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining if your situation will benefit from professional help.
- Does coverage follow the driver or the vehicle?
- Will my Hyundai Elantra be repaired with OEM or aftermarket parts?
- Do I need replacement cost coverage?
- Am I covered when driving on a suspended license?
- Are my tools covered if they get stolen from my vehicle?
- Can I rate high risk drivers on liability-only vehicles?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
Frequent quotes can save
When searching for low cost Kansas City car insurance quotes, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability coverage limits and learned later that it was a big error on their part. Your aim should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.
Drivers leave their current company for any number of reasons including delays in paying claims, policy cancellation, policy non-renewal and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company is actually quite simple.
You just learned quite a bit of information on how to get a better price on Hyundai Elantra insurance in Kansas City. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.
Much more information about car insurance in Missouri is located on the following sites:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Kansas City? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)