If saving money is your primary concern, then the best way to quote cheaper auto insurance rates is to start doing a yearly price comparison from different companies who can sell car insurance in Kansas City.
- Try to learn about the coverage provided by your policy and the things you can control to prevent rate increases. Many policy risk factors that cause rate increases such as traffic citations and a not-so-good credit history can be eliminated by making minor changes in your lifestyle. This article gives additional ideas to get lower rates and get bigger discounts that may have been overlooked.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of companies.
- Compare the quotes to the price on your current policy to see if a cheaper rate is available in Kansas City. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
- Give proper notification to your current agent or company to cancel your current car insurance policy. Submit a signed application and payment to your new carrier. As soon as you can, place the new certificate verifying coverage in an easily accessible location.
An important note is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to get prices from as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and plenty of rates choose from.
Sad but true, most insurance policyholders in Missouri have been with the same company for over three years, and roughly 40% of drivers have never compared quotes from other companies. American drivers can save $850 each year, but they just assume it takes a lot of time to compare rate quotes.
If you’re already insured or just want to save money, use these money-saving tips to get lower rates without reducing protection. Locating the most cost-effective insurance policy in Kansas City is not that difficult as long as you know where to start. Comparison shoppers only need to know the most effective way to compare rate quotes from multiple carriers.
Most larger insurance companies like Progressive, GEICO, Allstate and State Farm make it easy to get coverage price quotes on their websites. Doing online price comparisons for Saturn Ion insurance in Kansas City can be done by anyone as you simply enter the coverages you want into a form. Upon sending the form, the system automatically orders your driving and credit reports and returns a price based on many factors. Quoting online for Saturn Ion insurance in Kansas City makes it easy to compare insurance prices and it is important to get many rate quotes if you are searching for the most affordable premium possible.
To quickly find out what other companies charge, consider comparing rates from the companies shown below. To compare your current rates, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will get a price comparison using the same coverage and limits.
The companies shown below are ready to provide price quotes in Kansas City, MO. To locate cheap auto insurance in Kansas City, it’s a good idea that you visit several of them in order to find the lowest rates.
Insurance policy discounts you can’t miss
Insurance is neither fun to buy or cheap, but there are discounts available to help bring down the price. Certain discounts will be applied at quote time, but some need to be asked for in order for you to get them.
- Home Ownership Discount – Just being a homeowner can save a few bucks because of the fact that having a home requires a higher level of personal finance.
- Active Military Service – Having an actively deployed family member could qualify you for better rates.
- No Claims – Drivers with accident-free driving histories pay much less when compared to insureds who have frequent claims or accidents.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
- ABS Braking Discount – Vehicles that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will help lower the cost of coverage.
To view insurance companies that offer many of these discounts in Missouri, click here.
Three reasons to insure your Saturn Ion
Despite the high insurance cost for a Saturn Ion in Kansas City, auto insurance serves several important purposes.
- Almost all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability coverage if you don’t want to risk a ticket. 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.
- If you have a loan on your Ion, most banks will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your Saturn for a much higher rate and force you to pay much more than you were paying before.
- Insurance protects both your Saturn Ion and your assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Saturn gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. An average driver in America overpays as much as $830 a year so you should quote your policy with other companies every year to ensure rates are inline.
Auto insurance quotes from local Kansas City insurance agents
Many people still prefer to have an agent’s advice and that is just fine! Agents can help you build your policy and help in the event of a claim. One of the benefits of comparing insurance prices online is you can get cheap auto insurance rates and still have a local agent.
After completing this simple form, your insurance coverage information is sent to local insurance agents that can provide free Kansas City car insurance quotes for your auto insurance coverage. You won’t need to leave your house due to the fact that quote results will go to the email address you provide. If you wish to get a price quote from a specific insurance company, just navigate to their website to submit a rate quote request.
Finding the right company should depend on more than just a cheap price quote. Here are some questions you should ask.
- Can they help ensure a fair claim settlement?
- Do they have designations such as AIC, CPCU, or CIC?
- Where would glass claims be handled in Kansas City?
- Is assistance available after office hours?
- Where are claims handled?
- Can they give you a list of client referrals?
- What is their Better Business Bureau rating?
- Do they specialize in personal lines auto insurance in Kansas City?
Upon getting acceptable answers to your questions in addition to an acceptable price estimate, you may have just found an insurer that can be relied on to adequately provide auto insurance. Just be aware that once you purchase a policy you can cancel your coverage whenever you want so never assume that you are obligated to a specific agent with no way out.
Information about specific coverages
Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like sideswiping another vehicle, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible on your Ion to save money on collision insurance.
Liability auto insurance
Liability coverage can cover damage that occurs to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things such as medical services, legal defense fees, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford. Missouri state law requires minimum liability limits of 25/50/10 but it’s recommended drivers buy better liability coverage.
The next chart demonstrates why low liability limits may not be high enough to adequately cover claims.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Saturn Ion.
Because many people only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from flooding, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Insurance for medical payments
Med pay and PIP coverage kick in for short-term medical expenses such as dental work, EMT expenses, hospital visits and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage