If you want to save the most money, the best way to get discount Lincoln LS insurance is to start comparing prices yearly from insurers in Kansas City. You can compare rates by following these guidelines.
- Spend a few minutes and learn about how your policy works and the things you can change to prevent expensive coverage. Many rating criteria that cause high rates like speeding and an imperfect credit history can be controlled by paying attention to minor details. Continue reading for additional tips to help prevent high rates and get additional discounts.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for many different companies. View rates
- Compare the quotes to your existing rates to determine if switching companies saves money. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
One thing to point out is that you use identical limits and deductibles on each quote request and and to compare every insurance company. Doing this helps ensure an accurate price comparison and a complete price analysis.
Astonishing but true, almost 70% of insureds in Missouri have been with the same company for at least four years, and nearly half have never taken the time to shop around. American insurance shoppers could save themselves as much as 46.5% a year just by comparing rates, but they think it’s difficult to compare other rate quotes.
Get cheaper rates on Lincoln LS insurance in Kansas City with these discounts
Companies offering auto insurance don’t always publicize all possible discounts very well, so the following is a list of some of the best known and also the more inconspicuous savings tricks you should be using when you buy Kansas City auto insurance online. If you are not receiving all the discounts available, you are paying more than you should be.
- Organization Discounts – Participating in qualifying clubs or civic groups could trigger savings when shopping for auto insurance.
- Senior Discount – If you’re over the age of 55, you may receive reduced rates.
- Early Switch Discount – A few companies offer discounts for switching companies prior to your current LS insurance policy expiration. This discount can save up to 10%.
- Military Discounts – Being deployed in the military can result in better rates.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Resident Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free auto insurance policy, nobody gets a free ride. Any amount of discount should definitely cut your policy premium.
Insurance companies that may have most of these discounts are:
Before you buy a policy, ask every prospective company the best way to save money. Some of the discounts discussed earlier might not apply in Kansas City. To view auto insurance companies that have a full spectrum of discounts in Missouri, click here.
The companies shown below are our best choices to provide quotes in Kansas City, MO. If you want to find the best auto insurance in Missouri, we suggest you visit several of them in order to find the most affordable rates.
Compare rate quotes but still have a local Kansas City insurance agent
Some consumers still like to visit with an insurance agent and that is recommended in a lot of cases Good insurance agents will help you protect your assets and help file insurance claims. An additional benefit of price shopping on the web is you can get lower premium rates and also buy local.
Upon completion of this short form, your insurance coverage information is submitted to companies in Kansas City that can provide free Kansas City auto insurance quotes and help you find cheaper coverage. You won’t need to contact an agency due to the fact that quote results will go to you. If you want to compare prices from one company in particular, just navigate to their website and fill out their quote form.
Choosing the best insurance company shouldn’t rely on just a cheap quote. Ask your prospective agent these questions:
- Are all drivers listed on the coverage quote?
- Does the agent have a valid license to sell insurance in Missouri?
- Will your rates increase after a single accident?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can you get a list of referrals?
If you’re trying to find a local Kansas City insurance agent, it helps to know the two different types of agents that you can choose from. Agents in Kansas City are considered either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but it’s worth mentioning the differences since it could factor into the kind of agent you use.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on the products they sell which aids in selling service over price.
Below are Kansas City exclusive insurance agents that are able to give comparison quotes.
George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055 – View Map
American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 – View Map
Farmers Insurance – Alisha Elliott
851 NW 45th St #301 – Kansas City, MO 64116 – (816) 841-9494 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by one company and that is an advantage because they can write policies through many different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can switch companies which makes it simple for you.
When comparing rate quotes, you will want to get insurance quotes from multiple independent agents to maximize your price options.
Shown below is a short list of independent agents in Kansas City that can give you rate quotes.
Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map
SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map
Quote often and quote early
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.
We just covered many tips how you can lower your Lincoln LS insurance premium rates in Kansas City. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the best premium rates are with a company that doesn’t do a lot of advertising. Some small companies can often provide lower prices in certain areas than their larger competitors like Progressive or GEICO.
More learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a GMC Sierra in Kansas City? (FAQ)
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- What Auto Insurance is Cheapest for a Toyota Tacoma in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- How Much are Kansas City Car Insurance Quotes for Veterans? (FAQ)
- What Insurance is Cheapest for Low Credit Scores in Kansas City? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Rental Car Insurance Tips (Insurance Information Institute)
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