I can’t think of anyone who enjoys paying for insurance, especially when they are aware that their premiums are through the roof.
It’s well known that insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper rates will presumably switch to a new company because there are good odds of finding a more affordable policy premium. Remarkably, a study showed that people who make a habit of shopping around saved approximately $70 a month compared to other drivers who don’t regularly compare prices.
If finding discount rates on Pontiac Solstice insurance in Kansas City is the reason you’re reading this, then having some knowledge of the best way to shop and compare coverage rates can save time, money, and frustration.
Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the absolute best rates possible on Pontiac Solstice insurance in Kansas City.
It’s a good idea to get comparison quotes once or twice a year because prices trend upward over time. Despite the fact that you may have had the lowest rate on Pontiac Solstice insurance in Kansas City a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the best ways to get good coverage on Pontiac Solstice insurance in Kansas City at a lower rate.
If you are already insured, you should be able to buy cheaper auto insurance using the tips covered below. Buying the cheapest auto insurance in Kansas City is not rocket science. But Missouri drivers need to have an understanding of how big insurance companies sell insurance online and take advantage of how the system works.
Car insurance providers offering low-cost price quotes in Missouri
The following companies offer free rate quotes in Kansas City, MO. To find the best car insurance in Kansas City, MO, it’s highly recommended you click on several of them to get the best price comparison.
Car insurance discounts are available for cheaper rates
Not many people think insurance is cheap, but there’s a good chance there are discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be specially asked for before being credited. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.
- Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your company.
- Professional Organizations – Having an affiliation with a professional or civic organization is a simple method to lower premiums when getting a Kansas City car insurance quote.
- E-sign Discounts – A handful of companies will give you a small discount for signing up on their website.
- Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Savings for New Vehicles – Putting car insurance coverage on a new Solstice may earn a small discount compared to insuring an older model.
- Auto/Home Discount – If you can combine your auto and homeowners policy with one company you could save approximately 10% to 15%.
- Braking Control Discount – Cars and trucks with ABS and/or traction control are safer to drive and earn discounts up to 10%.
- Distant College Student Discount – Older children who are attending college without a vehicle on campus can be insured at a reduced rate.
- Early Signing – Some car insurance companies provide a discount for buying a new policy prior to your current Solstice insurance policy expiration. The savings is around 10%.
We need to note that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.
The best car insurance companies and a selection of discounts include:
- State Farm discounts include good driver, accident-free, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
- GEICO has discounts for seat belt use, defensive driver, five-year accident-free, anti-theft, military active duty, multi-vehicle, and membership and employees.
- SAFECO may offer discounts for drive less, multi-car, teen safe driver, safe driver, anti-lock brakes, and accident prevention training.
- Farmers Insurance has savings for teen driver, pay in full, early shopping, homeowner, and mature driver.
- AAA policyholders can earn discounts including multi-car, anti-theft, multi-policy, good student, good driver, education and occupation, and pay-in-full.
- USAA offers premium reductions for vehicle storage, military installation, loyalty savings, annual mileage, and safe driver.
Check with every company to give you their best rates. A few discounts might not apply in your area. If you would like to view providers who offer car insurance discounts in Kansas City, click this link.
Comparing rates from local Kansas City car insurance agents
Some people would prefer to talk to an insurance agent and that is not a bad decision One of the best bonuses of getting free rate quotes online is the fact that drivers can get cheaper rates but still work with a licensed agent. Putting coverage with local insurance agencies is important especially in Kansas City.
By using this short form, the coverage information is immediately sent to companies in Kansas City that provide free Kansas City car insurance quotes to get your business. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent to you instantly. You can get cheaper auto insurance rates without the usual hassles of price shopping. If for some reason you want to get a price quote from a specific auto insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
The different types of car insurance agents
When researching a local insurance agency, you should know the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Kansas City can be described as either independent or exclusive.
Independent Agents (or Brokers)
Agents that elect to be independent are not required to write business for one company so they can quote policies with any number of different companies and possibly get better coverage at lower prices. If your premiums go up, the business is moved internally and you stay with the same agent.
When comparing rates, you definitely need to get several quotes from at least one independent agent to have the most options to choose from.
The following is a small list of independent insurance agencies in Kansas City who may be able to give you competitive price quotes.
Agents that elect to be exclusive can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so always compare other rates. Exclusive insurance agents are well trained on their company’s products which helps overcome the inability to quote other rates.
Shown below is a list of exclusive insurance agents in Kansas City that can give you comparison quotes.
Finding a good car insurance agent requires more thought than just the quoted price. These questions are important to ask:
- Do they get paid more for recommending certain coverages?
- By raising physical damage deductibles, how much would you save?
- Are they actively involved in the community?
- Which company do they place the most coverage with?
- How does the company pay claims for a total loss?
Car insurance 101
Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.
Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as vandalism, rock chips in glass, theft and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Pontiac Solstice.
Due to the fact that many Missouri drivers carry very low liability coverage limits (Missouri limits are 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
Liability – This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/10 that translate to 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. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things such as attorney fees, repair bills for other people’s vehicles, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. Missouri state law requires minimum liability limits of 25/50/10 but drivers should carry higher limits.
The chart below shows why buying the state minimum limits may not be high enough to adequately cover claims.
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Solstice to get cheaper collision coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, rehabilitation expenses, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
A little work can save a LOT of money
The cheapest Pontiac Solstice insurance in Kansas City can be bought online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer internet price quotes and usually these smaller companies prefer to sell through local independent agencies.
We covered many tips how you can reduce Pontiac Solstice insurance premium rates online in Kansas City. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Kansas City car insurance quotes. You may even be surprised to find that the lowest premium rates come from some of the lesser-known companies. Regional companies can often provide lower prices in certain areas compared to the large companies like Progressive or GEICO.
As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped collision coverage and learned later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.
Steps to saving on Pontiac Solstice insurance in Kansas City
The best way we recommend to find cheaper auto insurance rates is to make a habit of regularly comparing prices from different companies in Kansas City.
- Gain an understanding of how companies set rates and the measures you can control to keep rates in check. Many things that cause rate increases like distracted driving and a not-so-good credit history can be remedied by making minor changes in your lifestyle.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of companies. Compare rates
- Compare the quotes to your current policy and determine if cheaper Solstice coverage is available in Kansas City. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give proper notification to your current agent or company to cancel your current car insurance policy and submit payment and a completed application for your new coverage. When you receive it, place your new proof of insurance certificate in your vehicle’s glove compartment or console.
An essential thing to point out is to compare the same amount of coverage on each quote request and and to get prices from as many different companies as possible. This guarantees a fair rate comparison and a complete selection of prices.
Much more information about auto insurance in Missouri can be found at the links below
- What to do at the Scene of an Accident (Insurance Information Institute)
- How Much is Car Insurance for Drivers Under 21 in Kansas City? (FAQ)
- Learn About Car Insurance (GEICO)
- State Laws for Cellphones and Texting (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)