How to Compare Kansas City Toyota Prius Insurance

Insurance for Toyota PriusTruthfully, the best way to get the cheapest Toyota Prius insurance is to do an annual price comparison from providers in Kansas City.

An important bit of advice to remember is that you’ll want to compare the same level of coverage on each quote request and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees a fair price comparison and a complete price analysis.

It’s hard to fathom, but almost 70% of insureds have been with the same company for more than four years, and nearly 40% of drivers have never quoted rates to find cheap coverage. With the average car insurance premium being $1,469, Kansas City drivers could pocket roughly 25% a year by just comparing quotes, but they just don’t understand the amount of savings they would get if they just switched companies.

Choosing the most cost-effective car insurance policy in Kansas City is actually not that difficult if you follow our advice. Practically anyone who buys car insurance will probably find a lower price. Although Missouri consumers need to have an understanding of how the larger insurance companies sell online and use it to your advantage.

All major insurance companies such as Allstate and Progressive allow consumers to get coverage price quotes directly from their websites. Comparing Toyota Prius insurance rates online is quite easy as you just type in the coverages you want as detailed in the form. After you complete the form, the company’s rating system collects information on your driving record and credit history and quotes a price based on the data you entered.

This makes comparing rates easy, and it’s necessary to get many rate quotes if you want to find lower-cost insurance pricing.

To find out how much you can save on insurance, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you input your coverages exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison for similar coverage.

The following companies have been selected to offer comparison quotes in Missouri. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.

Coverage information

The table displayed next covers different insurance prices for Toyota Prius models. Having a good grasp of how insurance rates are figured can help drivers make smart choices when selecting a policy.

Toyota Prius Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $138 $246 $294 $18 $88 $784 $65
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific zip code location which can lower or raise premium rates substantially.

Policy deductible comparison

When buying car insurance, a common question is where should you set your physical damage deductibles. The figures shown below determine the cost difference of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Toyota Prius insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $232 $346 $226 $14 $68 $911 $76
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Toyota Prius insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $144 $218 $226 $14 $68 $670 $56
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can decrease or increase coverage prices noticeably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $20 more each month or $240 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 38 months between claims, you would probably save some money if you opt for a higher deductible. The table below illustrates a better example of how this decision is made.

Average monthly premium for $250 deductibles: $76
Average monthly premium for $1,000 deductibles (subtract): – $56
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a claim. That will require some extra savings in order to pay more to get your vehicle repaired.

The diagram below highlights how deductible choice and can raise or lower Toyota Prius annual premium costs for different insured age categories. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Premiums by gender and age

The example below compares Toyota Prius car insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability only rates

The chart below shows the comparison of Toyota Prius yearly insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive guideline for excluding full coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% 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 say your Toyota Prius replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your deductible. If you are paying in excess of $300 annually to have full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

Get lower-cost Toyota Prius insurance in Kansas City with discounts

Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even know about. Certain discounts will be applied when you complete an application, but some need to be inquired about prior to receiving the credit.Discount car insurance

We need to note that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts should help lower your overall bill.

The information below compares Toyota Prius yearly insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-policy, and multi-car discounts applied.

Companies and their possible discounts are outlined below.

When comparing rates, check with each company or agent which discounts you qualify for. Some credits might not apply in Kansas City. To locate providers that offer the discounts shown above in Kansas City, click here to view.

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Kansas City, insurance serves an important purpose.

First, just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance in order to drive the car 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.

Second, if you took out a loan on your vehicle, most lenders will stipulate that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Toyota at a more expensive rate and require you to fork over for the expensive policy.

Third, insurance protects both your Toyota and your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of having car insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $800 each year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

It’s not one size fits all

Keep in mind that when it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are unique to you.Drive safe and save

For instance, these questions might point out if your insurance needs could use an agent’s help.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Getting quotes from local Kansas City auto insurance agents

Certain consumers just want to have an agent’s advice and that is a personal choice. The biggest benefit of comparing rates online is the fact that drivers can get lower rates but still work with a licensed agent.

Insurance agency in Kansas CityTo make it easy to find an agent, after completing this short form, your information gets sent to local insurance agents that provide free Kansas City car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies since rate quotes are delivered directly to your email. You can find better rates without requiring a lot of work. If you want to compare rates from a specific company, you would need to go to their quote page and complete a quote there.

Finding the right insurance company is decision based upon more than just the price. These are valid questions to ask:

Two types of Kansas City car insurance agents

If you prefer to buy auto insurance from a good insurance agency, you need to know there are two different types of agents and how they are distinctly different. Kansas City agents can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Exclusive agencies can only provide one company’s prices and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are well schooled on their company’s products which helps them sell on service rather than price. Some insured continue to buy from exclusive agents partially due to the prominent brand name and strong financial ratings.

Below are exclusive agents in Kansas City that can give you price quote information.

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Independent Agents

Agents that elect to be independent are not locked into one company and that allows them to write policies through lots of different companies and get the cheapest rates. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to switch agencies.

If you need lower rates, you need to get several quotes from multiple independent agents to have the best price comparison. Most also write with different regional companies that many times have cheaper rates.

Shown below are independent insurance agencies in Kansas City that are able to give price quote information.

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After getting reasonable responses and a low price estimate, most likely you have located a car insurance agent that meets the criteria to adequately provide auto insurance. But keep in mind you are able to cancel a policy at any point so don’t feel that you’re stuck with a specific company with no way out.