Save Money on Chevy Silverado 3500HD Insurance in Kansas City

If you want to save money, the best way to get low-cost Chevy Silverado 3500HD insurance in Kansas City is to compare quotes once a year from insurers who sell auto insurance in Missouri. Prices can be compared by following these steps.

First, try to learn about coverages and the modifications you can make to keep rates in check. Many rating factors that result in higher rates like multiple speeding tickets and a not-so-good credit history can be remedied by paying attention to minor details.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple insurance companies. Compare rates

Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find better rates, verify that coverage does not lapse between policies.

Fourth, provide adequate notice to your current company of your intention to cancel your existing policy and submit payment and a completed application to your new agent or company. Once received, store the certificate verifying coverage in an easily accessible location.

One tip to remember is to use the same physical damage deductibles and liability limits on each quote and and to get rate quotes from as many companies as feasibly possible. Doing this guarantees a level playing field and a good representation of prices.

It’s safe to assume that insurance companies don’t want you to compare rates. Drivers who rate shop once a year will presumably switch to a new company because there is a great chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that consumers who regularly compared rates saved as much as $3,450 over four years as compared to drivers who never shopped around for lower prices.

If finding the best rates on insurance is your target objective, then having a good understanding how to compare coverage rates can save time and money.

Companies offering Chevy Silverado 3500HD insurance in Missouri

The companies shown below have been selected to offer price comparisons in Kansas City, MO. If you want to find the cheapest car insurance in Kansas City, MO, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Chevy Silverado 3500HD insurance coverage information

The information shown next covers detailed analysis of insurance coverage prices for Chevy Silverado 3500HD models. Having knowledge of how insurance rates are formulated is important for drivers to make decisions on which coverage to buy.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in Kansas City location which can raise or lower prices considerably.

Impact of careless driving on car insurance rates

The example below demonstrates how traffic citations and at-fault fender-benders can drive up Chevy Silverado 3500HD insurance premiums for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Car insurance premiums by gender

The chart below compares Chevy Silverado 3500HD annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Difference between full coverage and liability only rates

The information below compares Chevy Silverado 3500HD car insurance costs with and without physical damage coverage. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule for eliminating comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Chevy Silverado 3500HD claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Insurance discounts help lower rates for Chevy Silverado 3500HD insurance in Kansas City

Insurance can be prohibitively expensive, but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but a few need to be inquired about prior to receiving the credit.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
• Cautious Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• Discount for New Cars – Buying a new car model is cheaper since new model year vehicles have better safety ratings.
• Multiple Policy Discount – If you have multiple policies with one company you could save as much as 10 to 15 percent.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, it’s just not the way it works.

The information below visualizes the comparison of Chevy Silverado 3500HD insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, safe-driver, multi-car, and marriage discounts applied.

A list of companies and their possible discounts are included below.

• GEICO may include discounts for emergency military deployment, multi-policy, seat belt use, multi-vehicle, and driver training.
• USAA includes discounts for new vehicle, annual mileage, defensive driver, multi-policy, vehicle storage, good student, and multi-vehicle.
• Progressive offers discounts including online quote discount, multi-vehicle, continuous coverage, multi-policy, and homeowner.
• American Family discounts include air bags, accident-free, mySafetyValet, multi-vehicle, early bird, good driver, and good student.
• Esurance has savings for claim free, anti-theft, renters, anti-lock brakes, safety device, and online shopper.
• Farmers Insurance has discounts for alternative fuel, electronic funds transfer, business and professional, pay in full, teen driver, bundle discounts, and mature driver.
• State Farm policyholders can earn discounts including safe vehicle, passive restraint, multiple autos, multiple policy, and driver’s education.

When comparing rates, check with each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area. To choose companies that offer discounts in Missouri, click this link.

It’s not one size fits all

Always remember that when buying coverage online or from an agent, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation could use an agent’s help.

• Are all vehicle passengers covered by medical payments coverage?
• Should I have combined single limit or split liability limits?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered if I hit someone who is not insured?
• Are my company tools covered if they get stolen?
• When can my company non-renew my policy?
• Are there any extra discounts I can get?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Comparing rates from local Kansas City car insurance agents

Some people prefer to go talk to an agent and doing that can be a smart decision Agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is that you can obtain cheap car insurance quotes but also keep your business local. And providing support for local agencies is still important in Kansas City.

To help locate an agent, after submitting this simple form, your insurance coverage information is emailed to agents in your area that can provide free Kansas City auto insurance quotes for your business. There is no need to drive around because quoted prices will be sent to the email address you provide. If you need to quote rates from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.

Exclusive or Independent: There is a difference

If you need to find a reputable agency, you must know there are a couple different types of agents and how they work. Agencies in Kansas City can be classified as either independent agents or exclusive agents. Both can write car insurance policies, but it’s worth mentioning the subtle differences because it can factor into your agent selection.

Independent Agents (or Brokers)

Agents of this type can sell policies from many different companies so they can write business with a variety of different insurance companies and find you the best rates. If you want to switch companies, your agent can switch companies and you don’t have to do anything.

When comparison shopping, you will definitely want to include rate quotes from a few independent agents to have the most options to choose from.

Below is a small list of independent agencies in Kansas City who may provide price quotes.

More insurance agents

Exclusive Agents

Agents that choose to be exclusive can only provide one company’s prices like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agencies are highly trained on their company’s products which helps them sell insurance even at higher premiums.

Below are Kansas City exclusive agencies who can help you get comparison quotes.

More insurance agents

Deciding on an auto insurance agent should include more criteria than just a cheap price. These questions are important to ask:

• Can they give you a list of client referrals?
• Are they involved in claim handling?
• Will high miles depreciate repair valuations?
• Are they able to influence company decisions when a claim is filed?
• How long has their agency been in business in Kansas City?
• Which companies do they recommend if they are an independent agency?

What is the best car insurance company in Kansas City?

Picking the best car insurance company is difficult considering how many choices you have in Kansas City. The ranking information in the next section can help you choose which auto insurers to look at comparing rates from.

Top 10 Kansas City Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top 10 Kansas City Car Insurance Companies Ranked by Customer Service

1. Mercury Insurance
2. Nationwide
3. State Farm
4. Safeco Insurance
5. American Family
6. Titan Insurance
7. Travelers
8. Liberty Mutual
9. GEICO
10. Allstate

Frequent quotes can save

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Affordable Chevy Silverado 3500HD insurance in Kansas City is definitely available from both online companies in addition to many Kansas City insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and usually these regional insurance providers sell through independent agencies.

Helpful resources

• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Who Has Cheap Car Insurance Quotes for First-time Drivers in Kansas City? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for 19 Year Olds in Kansas City? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Postal Workers in Kansas City? (FAQ)
• Senior Drivers (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)
• Electronic Stability Control FAQ (iihs.org)