Sadly, the vast majority of drivers kept their policy with the same company for four years or more, and 38% of drivers have never even compared rates from other companies. Many consumers in Kansas City can cut their rates by as much as 25% a year, but they underestimate the large savings they would see if they switched to a more affordable policy.
If saving money is your primary concern, then the best way to find low-cost prices for Jaguar XF insurance is to make a habit of regularly comparing prices from different companies in Kansas City.
- Step 1: Spend a few minutes and learn about individual coverages and the things you can control to keep rates in check. Many policy risk factors that are responsible for high rates like multiple speeding tickets and a negative credit rating can be controlled by making minor changes in your lifestyle.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save some money and switch companies, verify that coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intention to cancel your current car insurance policy and submit a completed application and payment to the new company. Immediately keep your new certificate verifying coverage along with your vehicle registration.
One important bit of advice is that you’ll want to compare identical coverage information on each quote and and to get prices from as many companies as feasibly possible. This helps ensure a fair price comparison and the best price selection.
Buying the cheapest car insurance in Kansas City can really be easy if you know what you’re doing. If you are insured now or want to find a cheaper company, you can follow these tips to lower your rates without reducing protection. You only need to know the tricks to find the lowest price from many companies at once.
Many insurance companies give coverage prices from their websites. Doing online quotes for Jaguar XF insurance in Kansas City is quite easy as you simply enter the amount of coverage you want into the quote form. Upon sending the form, their rating system sends out for information on your driving record and credit history and returns a price based on many factors.
This simplifies rate comparisons, and it’s very important to compare as many rates as possible if you want to get a better rate.
To find out what other companies charge, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. This helps ensure you will receive rate comparison quotes based on similar coverages.
The providers in the list below have been selected to offer price comparisons in Kansas City, MO. To buy cheaper car insurance in Missouri, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Discounts for affordable insurance rates
Insurance is not cheap nor is it fun to buy but companies offer discounts that you may not know about. Most are applied at the time you complete a quote, but some discounts are required to be asked for before you get the savings. If you do not double check each discount possible, you are paying more than you should be.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
- Kansas City Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
- Student Driver Training – Teen drivers should take driver’s ed class if it’s offered in school.
- Responsible Driver Discount – Accident-free drivers could pay up to 40% less than drivers with accident claims.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on Kansas City car insurance quote in comparison to bad drivers.
- Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same insurance company could earn a price break for each car.
- Military Deployment Discount – Having a deployed family member may lower your premium rates slightly.
- Driver Training Discounts – Successfully completing a course teaching defensive driver skills could cut 5% off your bill and easily recoup the cost of the course.
- Telematics Devices – Drivers that enable data collection to analyze their driving habits by using a telematic data system such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
Policy discounts save money, but some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, that’s just not realistic.
The diagram below shows the difference between Jaguar XF insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.
Some of the insurance companies who may offer these benefits are:
If you want cheaper Kansas City car insurance quotes, ask all the companies to apply every possible discount. Some of the discounts discussed earlier may not apply in every state. To locate companies that offer some of these discounts in Kansas City, follow this link.
Jaguar XF insurance rates and statistics
The data table displayed next showcases estimates of coverage prices for Jaguar XF models. Being able to understand how policy rates are figured can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $318 | $636 | $266 | $16 | $80 | $1,316 | $110 |
| XF Premium 4-Dr Sedan | $318 | $636 | $266 | $16 | $80 | $1,316 | $110 |
| XF Supercharged 4-Dr Sedan | $348 | $710 | $266 | $16 | $80 | $1,420 | $118 |
| XF R 4-Dr Sedan | $376 | $782 | $266 | $16 | $80 | $1,520 | $127 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in your specific Kansas City location which can affect insurance rates considerably.
Physical damage deductible comparison
One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The following tables summarize the rate differences between low and high physical damage deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| XF Premium 4-Dr Sedan | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| XF Supercharged 4-Dr Sedan | $312 | $594 | $266 | $16 | $80 | $1,293 | $108 |
| XF R 4-Dr Sedan | $338 | $656 | $266 | $16 | $80 | $1,381 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| XF Premium 4-Dr Sedan | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| XF Supercharged 4-Dr Sedan | $254 | $480 | $266 | $16 | $80 | $1,096 | $91 |
| XF R 4-Dr Sedan | $274 | $528 | $266 | $16 | $80 | $1,164 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific location which can increase or decrease premium rates greatly.
Based on these figures, using a $250 deductible costs approximately $16 more each month or $192 annually than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claim filings, you would save more money going with the higher deductible. Here is how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $106 |
| Average monthly premium for $500 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
The diagram below demonstrates how deductible levels and can change Jaguar XF insurance prices for each different age group. Data assumes a married female driver, comp and collision included, and no additional discounts are factored in.
Males versus Females
The information below illustrates the difference between Jaguar XF car insurance rates for male and female drivers. The costs are based on no violations or claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
How much more does full coverage cost in Kansas City?
The illustration below shows the difference between Jaguar XF insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The information is based on no claims or violations, $250 deductibles, marital status is single, and no other discounts are factored in.
When to buy liability coverage only
There isn’t a written rule for phasing out physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Jaguar XF replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are paying over $500 annually for physical damage coverage, then you might consider buying liability only.
There are a few cases where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Compare prices but still have a neighborhood Kansas City auto insurance agent
Many people would prefer to buy from a licensed agent and we recommend doing that Licensed agents can help determine the best coverages and will help you if you have claims. The biggest benefit of getting free rate quotes online is that drivers can save money and get lower rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your insurance data is immediately sent to participating agents in Kansas City who can give free rate quotes for your coverage. There is no need to contact any agents due to the fact that quote results will go to you instantly. If for some reason you want to get a price quote from one company in particular, just visit that company’s website and fill out their quote form.
Finding the right insurer requires more thought than just the quoted price. Any agent in Kansas City should be forthright in answering these questions:
- How long have they worked with personal auto insurance coverage?
- Do they specialize in personal lines coverage in Kansas City?
- Will one accident increase rates?
- What companies can they write with?
- Does the quote include credit and driving reports?
If you want to buy auto insurance from a good insurance agency, it can be helpful to understand the different agency structures and how they work. Agents are categorized either independent agents or exclusive agents depending on their employer. Both types of agents can properly insure your vehicles, but it is a good idea to know the subtle differences since it can affect your selection of an agent.
Exclusive Insurance Agencies
Agents of this type write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on the products they sell which helps overcome the inability to quote other rates. Drivers often use the same agent partially due to high brand loyalty and the convenience of having all coverages with one company.
Listed below are exclusive agencies in Kansas City that can give you comparison quotes.
- Chris Hoy – State Farm Insurance Agent
8640 Green Hills Road #40 – Kansas City, MO 64154 – (816) 436-8400 – View Map - American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468 – View Map - American Family Insurance – Tony Osborn
6510 N Oak Trafficway – Kansas City, MO 64118 – (816) 454-6555 – View Map
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company so as a result can place your coverage amongst many companies and find you cheaper rates. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When shopping rates, we recommend you include several independent agencies to ensure the widest selection of prices. Most have the option of insuring with smaller mutual companies which can save you money.
Shown below are Kansas City independent insurance agencies that are able to give price quotes.
- Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map - Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
You may need specialized auto insurance coverage
When quoting and choosing coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.
For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
- Is my Jaguar XF covered if I use it for business?
- Does my car insurance cover rental cars?
- Is borrowed equipment or tools covered if stolen or damaged?
- If my car is totaled with they pay enough to replace it?
- Will my insurance pay for OEM parts?
- When should I not buy collision coverage?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.
Decisions You Make Can Impact Your Insurance Premiums
It’s important that you understand the factors that go into determining insurance rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.
Five star IIHS safety rating saves money – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If your Jaguar XF has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Save mileage and save money – Driving more miles every year the more it will cost to insure it. The majority of insurers calculate rates based on how the vehicle is used. Autos not used for work or commuting qualify for better rates than cars that get driven a lot. An incorrectly rated XF is just wasting money. Verify your insurance declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
Drivers with excellent credit save on insurance – Having a good credit score can be an important factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your Jaguar XF if you clean up your credit. People with excellent credit tend to be more responsible and file fewer claims than drivers who have lower ratings.
Coverage lapses lead to higher insurance rates – Driving without insurance coverage in place is not a good idea and you may have a hard time finding new coverage because you let your insurance expire. Not only will rates go up, getting caught without coverage might get you fines or a revoked license. You could then be forced to file a SR-22 with the Missouri motor vehicle department.
Being married can lower prices – Walking down the aisle may earn you lower rates on your policy. It demonstrates that you tend to be more responsible it has been statistically shown that married drivers tend to file fewer claims.
Certain occupations pay higher prices – Jobs like fire fighters, business owners, and miners generally pay higher rates than the rest of us in part from intense work situations and long work days. Conversely, jobs such as scientists, students and retirees have lower than average premiums.
Insurance loss probability for a Jaguar XF – Insurance companies take into consideration insurance loss statistics for every vehicle when setting premium rates. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have a higher cost to insure.
The next table illustrates the insurance loss data used by companies for Jaguar XF vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is considered to be 100. Values that are under 100 are indicative of better than average losses, while values that are above 100 point to more frequent losses or an increased chance of larger losses than average.
| Specific Jaguar Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jaguar XF 4dr 2WD | 169 | 101 | 191 | 98 | ||
| Jaguar XF 4dr 4WD | 206 | 83 | 152 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Protect your XF and other assets
Despite the high insurance cost for a Jaguar XF in Kansas City, buying insurance may be required for several reasons.
- Most states have minimum liability requirements which means state laws require a minimum amount of liability if you want to drive legally. 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 XF, it’s guaranteed your bank will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Jaguar at a more expensive rate and require you to fork over much more than you were paying before.
- Insurance protects both your car and your assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If mother nature or an accident damages your car, your policy will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Kansas City overpays as much as $830 a year so it’s very important to do a rate comparison at every policy renewal to ensure rates are inline.
Kansas City auto insurance companies
Picking a good quality company can be a challenge considering how many companies sell coverage in Kansas City. The information in the next section may help you pick which auto insurers to look at purchasing coverage from.
Top 10 Kansas City Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
In conclusion
Insureds leave their current company for any number of reasons including poor customer service, questionable increases in premium, an unsatisfactory settlement offer or policy non-renewal. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
When getting Kansas City car insurance quotes online, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.
The cheapest Jaguar XF insurance in Kansas City is possible online as well as from independent agents in Kansas City, and you need to price shop both to have the best selection. A few companies may not offer the ability to get a quote online and usually these regional insurance providers work with local independent agencies.
Helpful information
- Get the Right Protection (InsureUonline.org)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- What Insurance is Cheapest for a Jeep Wrangler in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Chevrolet Equinox? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- How to Avoid Common Accidents (State Farm)