If saving money is your primary concern, then the best way to find cheaper Ford Fiesta insurance in Kansas City is to start comparing prices regularly from providers in Missouri.
- Read and learn about the coverage provided by your policy and the factors you can control to keep rates down. Many risk factors that result in higher rates such as distracted driving and a less-than-favorable credit history can be controlled by making minor driving habit or lifestyle changes.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide prices for many different companies.
- Compare the quotes to the premium of your current policy and determine if cheaper Fiesta coverage is available in Kansas City. If you can save money, ensure coverage does not lapse between policies.
One thing to point out is to make sure you enter the same coverage limits and deductibles on every price quote and and to look at as many carriers as you can. Doing this guarantees a fair price comparison and plenty of rates choose from.
It goes without saying that insurance companies don’t want you comparing rates. Insureds who compare price quotes are highly likely to buy a new policy because of the good chance of finding a more affordable policy premium. A recent insurance study discovered that people who shopped around annually saved about $860 a year compared to other drivers who never shopped around for cheaper prices.
If finding the lowest price for insurance is the reason you’re reading this, understanding the best way to shop and compare coverages can save time, money, and frustration.
It’s important to know that comparing more rates from different companies provides better odds of finding a lower rate. Not every company provides online price quotes, so you need to compare rates from those companies as well.
The providers in the list below offer free rate quotes in Kansas City, MO. To find cheap auto insurance in Kansas City, MO, we suggest you visit two to three different companies in order to find the most affordable rates.
Discounts can help lower rates on Ford Fiesta insurance in Kansas City
Companies don’t necessarily list every policy discount very clearly, so the following list contains both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Kansas City car insurance online.
- Homeowners Savings – Simply owning a home can save you money because owning a home demonstrates responsibility.
- Drive Safe and Save – Accident-free drivers may receive a discount up to 45% compared to accident prone drivers.
- Service Members Pay Less – Being on active deployment in the military may lower your car insurance rates slightly.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
- Claim-Free Discount – Drivers with accident-free driving histories pay less compared to frequent claim filers.
- ABS and Traction Control Discounts – Cars equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, companies don’t profit that way.
To find companies that have a full spectrum of discounts in Missouri, click here.
Lower Your Kansas City Insurance Prices
Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, but others are more transparent like your continuous coverage or how safe your car is. When buying car insurance it’s important to understand the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates, this enables you to make decisions that could result in lower car insurance prices.
The factors shown below are some of the items car insurance companies consider when setting rates.
How’s your driving record? – Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Having a single chargeable violation may cause rates to rise twenty percent or more. Drivers who have severe violations like DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
Car and home together may be cheaper – Most car insurance companies will award better rates to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare Ford Fiesta rates in Kansas City to confirm you are receiving the best rates possible. It’s possible to still find better rates even if you insure with multiple companies
Safer occupants lowers car insurance rates – Safer cars can get you lower premiums. The safest vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders.
Your car’s features help determine car insurance rates – Driving a car with advanced anti-theft systems can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
More annual miles equals more premium – The higher the mileage driven annually the more you will pay for car insurance. Most companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates than those used for commuting. Having an incorrect usage rating on your Fiesta can result in significantly higher rates. Double check that your policy shows how each vehicle is driven, because it can save money.
Always have car insurance – Having a gap between insurance policy dates can be a quick way to bump up your car insurance costs. In addition to paying higher rates, the inability to provide proof of insurance can result in a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with the Missouri motor vehicle department.
You might want pay the small car insurance claims yourself – If you tend to file frequent claims, don’t be surprised to see much higher rates or policy non-renewal. Companies in Missouri generally give the best rates to insureds who are claim-free. Your insurance policy is designed for more catastrophic claims.
Is you vocation costing you more? – Did you know your job can affect your rates? Jobs like real estate brokers, airline pilots, and emergency personnel usually pay higher premiums than the average policyholder in part from intense work situations and long work hours. On the flip side, professions such as scientists, students and homemakers get better rates.
Ford Fiesta insurance loss data – Companies use data from past claims when they set coverage costs for each model. Models that statistically have higher loss trends will have a higher cost to insure.
The table below illustrates the collected loss data for Ford Fiesta vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is a value of 100. Percentage numbers below 100 suggest a better than average loss history, while values over 100 indicate more frequent claims or an increased chance of larger losses than average.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years