Best Insurance for a Kia Spectra in Kansas City

It’s amazing but most insurance policyholders kept buying from the same company for at least the last four years, and approximately 38% of consumers have never shopped around. Missouri drivers could save as much as 25% a year by just comparing quotes, but they just don’t want to shop around.

Discount Kia Spectra insuranceThe best way we recommend to find more affordable car insurance rates in Kansas City is to compare prices regularly from different companies that sell auto insurance in Missouri.

One key aspect of rate comparisons is to use the same amount of coverage on each quote request and and to analyze as many companies as you can. Doing this ensures a level playing field and a complete price analysis.

If you’re already insured, you stand a good chance to be able to shop for the lowest rates using the ideas covered in this article. Locating the best rates in Kansas City can be easy if you know a few tricks. But Missouri vehicle owners do need to learn the way companies price insurance differently and use it to find better rates.

How You Can Control Kia Spectra Insurance Costs

Lots of things are part of the equation when premium rates are determined. A few of the factors are predictable like your driving record, although some other factors are more transparent such as your credit history or your vehicle rating.

The itemized list below are most of the major factors used by insurance companies to determine your prices.

When price shopping your coverage, having more price comparisons helps increase your odds of locating a lower rate than you’re paying now. Some smaller insurers do not give Kansas City Spectra insurance quotes over the internet, so you need to compare rates from the smaller companies as well.

The companies shown below provide comparison quotes in Missouri. To get cheaper auto insurance in MO, we suggest you visit as many as you can to get the most affordable price.

Choosing Spectra insurance is an important decision

Despite the fact that insurance is not cheap in Kansas City, insurance is required by state law in Missouri and it also provides benefits you may not be aware of.

First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. 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 bought your vehicle with a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Kia at a much higher rate and require you to reimburse them much more than you were paying before.

Third, insurance protects both your vehicle and your assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your Kia gets damaged, comprehensive and collision coverage will pay to repair the damage.

The benefits of buying insurance more than cancel out the cost, especially for larger claims. But the average driver in Missouri is currently overpaying as much as $825 a year so you should quote your policy with other companies at every renewal to make sure the price is not too high.

Cheaper rates by taking advantage of discounts

Some insurance providers don’t always list all available discounts in an easy-to-find place, so the below list has a few of the more well known in addition to some of the lesser obvious credits that may apply to you.Discount auto insurance

As a sidenote, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and some of their more popular discounts are:

Check with each company the best way to save money. Some discounts listed above may not apply in Kansas City. For a list of insurers with discount rates in Missouri, click here.

Insurance agents can help

Many drivers still like to talk to an insurance agent and we recommend doing that A nice benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to.

Upon completion of this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will give you quotes for your car insurance coverage. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go immediately to you. It’s the lowest rates AND a local agent. If you have a need to compare prices from a specific company, feel free to navigate to their website and complete a quote there.

Selecting a provider shouldn’t rely on just a cheap quote. The following questions are important to ask.

If you prefer to buy car insurance from a local insurance agency, there are two types of agencies and how they work. Agents are considered either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company and examples are American Family, State Farm, and AAA. They generally cannot compare rates from other companies so it’s a take it or leave it situation. They are highly trained on sales techniques which helps offset the inability to provide other markets.

Shown below are Kansas City exclusive agencies that are able to give rate quotes.

7709 NW Prairie View RdKansas City, MO 64151(816) 741-3558View Map

8301 State Line Rd Ste 112Kansas City, MO 64114(816) 444-7468View Map

8640 Green Hills Road #40Kansas City, MO 64154(816) 436-8400View Map

More Kansas City agents

Independent Car Insurance Agencies

Agents that choose to be independent do not write with just one company so they have the ability to put coverage with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparing rate quotes, we recommend you get some free quotes from at a minimum one independent agency in order to compare the most rates.

Listed below are independent agencies in Kansas City willing to provide rate quotes.

8117 N Oak TrafficwayKansas City, MO 64118(816) 452-8810View Map

3600 Broadway Suite 110Kansas City, MO 64111(816) 931-1222View Map

7301 Mission Rd #242, Prairie Village, KS 66208Prairie Village, MO 66208(800) 701-5909View Map

More Kansas City agents

What is the best car insurance company in Missouri?

Insuring your vehicle with the best insurance provider can be a challenge considering how many choices drivers have in Missouri. The company ratings displayed below can help you select which car insurance providers to look at shopping prices with.

Top 10 Kansas City Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Allstate
  7. Safeco Insurance
  8. 21st Century
  9. Travelers
  10. Titan Insurance

Top 10 Kansas City Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. AAA Insurance – 87%
  7. Liberty Mutual – 87%
  8. Farmers Insurance – 87%
  9. The Hartford – 87%
  10. Progressive – 87%

Which policy gives me the best coverage?

Always remember that when buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.Drive safe and save

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form.

In Summary

When getting Kansas City car insurance quotes online, you should never skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

We just showed you a lot of techniques to reduce Kia Spectra insurance rates online in Kansas City. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Some companies do not provide online quoting and many times these regional carriers sell through independent insurance agents. Budget-friendly car insurance in Kansas City can be found online and also from your neighborhood Kansas City agents, so you need to compare both to get a complete price analysis.

Much more information about car insurance in Missouri can be found at these links: