It takes a few minutes, but the best way to get budget car insurance rates in Kansas City is to compare prices annually from companies that sell auto insurance in Missouri.
- First, try to learn about the coverage provided by your policy and the changes you can make to keep rates low. Many rating criteria that result in higher prices like multiple speeding tickets and a not-so-good credit history can be controlled by making minor driving habit or lifestyle changes.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple companies.
- Third, compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you can save money and switch companies, ensure there is no coverage lapse between policies.
- Fourth, notify your company or agent to cancel your current car insurance policy. Submit a signed application and payment to your new company or agent. As soon as you can, place the new certificate verifying coverage along with the vehicle’s registration papers.
A valuable tip to remember is that you use the same deductibles and limits on every quote and and to get price quotes from as many different insurance providers as possible. Doing this ensures a level playing field and the most accurate and complete price analysis.
It’s easy to assume that car insurance companies want to keep your business as long as possible. People who get price quotes annually are very likely to switch companies because they have a good chance of finding lower prices. A recent survey found that drivers who faithfully checked for cheaper rates saved an average of $865 a year compared to policyholders who don’t regularly compare prices.
If finding the best rates on insurance in Kansas City is the reason for your visit, then having a good understanding how to find companies and compare insurance rates can help make the process easier.
If you’re already insured or are shopping for new coverage, you can use this information to cut your premiums without reducing coverage. This article’s goal is to help educate you on how car insurance companies work and some tips to save money. Vehicle owners just need to use the least time-consuming way to shop their coverage around from many different companies.
How to compare Volvo XC70 insurance quotes in Kansas City
The companies shown below offer comparison quotes in Kansas City, MO. In order to find cheap car insurance in Kansas City, MO, it’s a good idea that you visit two to three different companies to find the most competitive auto insurance rates.
Companies offer many types of discounts on Volvo XC70 insurance in Kansas City
Some providers don’t always list every policy discount in a way that’s easy to find, so here is a list both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Kansas City auto insurance online.
- Defensive Driver Discount – Participating in a defensive driver course could cut 5% off your bill if your company offers it.
- ABS Brakes – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
- Organization Discounts – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next car insurance statement.
- Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
- Paperwork-free – Some insurance companies give back up to $50 for completing your application over the internet.
- Driving Data Discount – Policyholders that allow driving data submission to look at when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
- Safe Driver Discount – Drivers who avoid accidents can save up to 40% or more on their Kansas City auto insurance quote than less cautious drivers.
- Own a Home and Save – Just owning your own home can save you money because it is proof of financial responsibility.
- Early Signing – A few insurance companies offer discounts for switching companies prior to the expiration date on your current XC70 insurance policy. It’s a savings of about 10%.
One thing to note about discounts is that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help lower your policy cost.
The example below shows the comparison of Volvo XC70 car insurance rates with and without some available policy discounts. The premiums assume a male driver, a clean driving record, no claims, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.
To find insurers who offer car insurance discounts in Missouri, click here.
Rates and information analytics
The information shown next showcases different insurance costs for Volvo XC70 models. Understanding more about how insurance policy rates are established can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $248 | $478 | $316 | $18 | $94 | $1,154 | $96 |
| XC70 T6 AWD 4-Dr | $248 | $550 | $316 | $18 | $94 | $1,226 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Kansas City which can raise or lower rates considerably.
Can higher deductibles save money?
When buying insurance, a common question is which deductible level should you buy. The figures shown below may aid in understanding the differences in price between high and low physical damage deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $258 | $408 | $302 | $18 | $90 | $1,101 | $92 |
| XC70 T6 AWD 4-Dr | $258 | $470 | $302 | $18 | $90 | $1,163 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $210 | $330 | $302 | $18 | $90 | $950 | $79 |
| XC70 T6 AWD 4-Dr | $210 | $380 | $302 | $18 | $90 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can raise or lower prices significantly.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $14 more each month or $168 for a full year than requesting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 18 months between claim filings, you would save more money if you decide on a higher deductible. The numbers below show the way this calculation is made.
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The information below illustrates how your choice of deductibles and can raise or lower Volvo XC70 insurance costs for different ages of insureds. The information is based on a married male driver, full physical damage coverage, and no discounts are factored in.
Cost of full coverage
The example below compares Volvo XC70 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no definitive formula of when to eliminate physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Volvo XC70 book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some cases where removing full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Smart Consumers Can Lower Insurance Rates
Lots of factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are less obvious like your vehicle usage or how safe your car is. When buying car insurance it’s important to understand the factors that are used to determine your premiums. If you understand what controls the rates you pay, this enables informed choices that will entitle you to lower rates.
The itemized list below are a few of the “ingredients” used by insurance companies to determine your rates.
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Insurance prices and driver gender – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Females and males cause at-fault accidents at about the same rate, but guys have accidents that have higher claims. Men also statistically get cited for more serious violations such as reckless driving.
The chart below shows the comparison of Volvo XC70 car insurance rates for male and female drivers. The data assumes no claims or driving violations, full coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
- Don’t cut corners with liability insurance – The liability coverage on your policy will afford coverage when you are found to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
- Extra policy coverages that aren’t used – Insurance companies have many additional coverages that you can buy but may not be useful. Insurance for vanishing deductibles, accident forgiveness, and additional equipment coverage may be wasting your money. The coverages may be enticing at first, but now you might not need them so remove them and pocket the money.
- Never allow your car insurance policy to lapse – Having a gap between insurance policy dates is a guaranteed way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage could result in a license revocation or jail time.
- High car insurance claims frequency drives up rates – Companies in Missouri give cheaper rates to insureds who do not file claims often. If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is designed for more catastrophic claims.
- Premiums can change based on your address – Choosing to live in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Urban drivers tend to have more aggressive driving styles and longer commute times. Fewer drivers means fewer accidents in addition to lower liability claims.
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Tickets cost more than a fine – Having a clean driving record influences premium rates substantially. Having a single speeding ticket may increase your cost twenty percent or more. Attentive drivers receive lower rates compared to bad drivers. Drivers who have gotten severe violations like reckless driving or DUI may find they need to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
The example below highlights how traffic violations and at-fault fender-benders increase Volvo XC70 car insurance costs for different insured age categories. The premium estimates are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
- Raise physical damage deductibles and save – Deductibles for physical damage define the amount the insured will be required to pay before your car insurance pays a claim. Insurance for physical damage, also called ‘full coverage’, protects your car from damage. Some examples of claims that would be covered are a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more expense the insured has to pay upfront, the lower your rates will be.
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Volvo XC70 statistical loss data – Insurers use historical loss data to determine a price that will be profitable for them. Models that the data shows to have a trend towards higher claim severity or frequency will have increased rates. The table below illustrates the insurance loss data for Volvo XC70 vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Values that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more losses or statistically larger losses.
Volvo XC70 Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volvo XC70 Station Wagon 2WD 69 Volvo XC70 Station Wagon 4WD 79 70 94 45 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents can help
Some consumers just prefer to buy from a licensed agent and that is a smart decision Agents can answer important questions and help in the event of a claim. A nice benefit of comparing insurance prices online is that you can find cheaper premium rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, your coverage information is immediately sent to agents in your area that can give you free Kansas City auto insurance quotes and help you find cheaper coverage. There is no need to search for an agent as quotes are delivered directly to your email. If you have a need to get a price quote for a specific company, just find their quoting web page to submit a rate quote request.
Choosing a insurance company is decision based upon more than just the quoted price. A good agent in Kansas City will have answers to these questions.
- Where would your vehicle be repaired?
- How long has their agency been open in Kansas City?
- Is their price quote a firm figure or are their hidden costs?
- How much can you save by raising your physical damage deductibles?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
The type of car insurance agent you choose is important
When searching for a reliable agent, you must know there are a couple different types of agents to choose from. Agencies in Kansas City can be categorized as either independent or exclusive. Either type can write auto insurance policies, but it’s worth mentioning how they differ because it can impact which agent you choose.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to give you multiple price quotes so always compare other rates. Exclusive agents are well trained on their company’s products which helps them compete with independent agents. Some consumers prefer to choose to use a exclusive agent primarily because of the brand name instead of buying on price only.
Below are Kansas City exclusive agencies who can help you get comparison quotes.
- 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 – Gary Woods Agency Inc.
7211 NW 83 St Ste 140 – Kansas City, MO 64152 – (816) 587-8033 – 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 agencies do not write with just one company and that gives them the ability to insure through lots of different companies and get you the best rates possible. If you are not satisfied with one company, your agent can just switch to a different company and that require little work on your part.
When comparing rate quotes, we highly recommend that you include price quotes from independent agents for the best price selection. A lot of them also have access to mutual insurance companies which could offer lower prices.
Below are Kansas City independent agents that are able to give comparison quotes.
- Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 – View Map - Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map - Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map
If you receive answers to your satisfaction and a good coverage price, chances are good that you have found an auto insurance agent that meets the criteria to insure your vehicles.
Which policy gives me the best coverage?
When quoting and comparing the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.
Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.
- Does my personal policy cover me when driving out-of-state?
- When should I buy a commercial auto policy?
- Do I have coverage when pulling a U-Haul trailer?
- Am I covered if my car is in a flood?
- When should I remove comp and collision on my Volvo XC70?
- Is pleasure use cheaper than using my Volvo XC70 to commute?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.
Car insurance savings summarized
When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped full coverage only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best price.
Consumers change insurance companies for many reasons like delays in paying claims, policy non-renewal, questionable increases in premium and even not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easier than you think.
Cheaper car insurance in Kansas City is definitely available online and also from your neighborhood Kansas City agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies may not offer rate quotes online and usually these regional insurance providers provide coverage only through independent agencies.
More learning opportunities
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Sentra in Kansas City? (FAQ)
- How Much are Auto Insurance Rates for Teachers in Kansas City? (FAQ)
- Teen Driving and Texting (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)