The recommended way to find affordable car insurance rates is to compare prices once a year from companies who provide car insurance in Kansas City. This can be done by following these guidelines.
Step 1: Read about auto insurance and the measures you can control to keep rates in check. Many things that result in higher rates such as speeding tickets, careless driving and a poor credit rating can be controlled by making small lifestyle or driving habit changes. Read the full article for more details to help prevent high rates and earn a bigger discount.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy and submit payment and a completed application to your new carrier. Once coverage is bound, put the proof of insurance certificate with your vehicle’s registration.
One thing to point out is to use similar limits and deductibles on each quote request and and to look at as many companies as you can. Doing this guarantees a level playing field and the best price selection.
Amazingly, a recent NerdWallet.com study showed that over 70% of consumers kept their policy with the same company for over three years, and approximately 38% of consumers have never quoted auto insurance rates at all. Many consumers in the U.S. can save hundreds of dollars each year by just shopping around, but they don’t believe how much money they would save if they replace their high priced policy.
GMC Sierra insurance statistics and information
The price information shown next covers different coverage prices for GMC Sierra models. Understanding how prices are calculated can help drivers make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$188||$320||$274||$16||$82||$880||$73|
|Sierra SL Extended Cab 2WD||$188||$320||$274||$16||$82||$880||$73|
|Sierra SLE Crew Cab 2WD||$188||$320||$274||$16||$82||$880||$73|
|Sierra SL Crew Cab 2WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLE Crew Cab 2WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLE Regular Cab 4WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLE Extended Cab 4WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLE Crew Cab 4WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLT Extended Cab 2WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SL Crew Cab 4WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLT Extended Cab 4WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLT Crew Cab 2WD||$212||$376||$274||$16||$82||$960||$80|
|Sierra SLT Crew Cab 4WD||$236||$432||$274||$16||$82||$1,040||$87|
|Sierra Denali Crew Cab 2WD||$236||$432||$274||$16||$82||$1,040||$87|
|Sierra Denali Crew Cab 4WD||$236||$432||$274||$16||$82||$1,040||$87|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in Kansas City location which can impact price quotes significantly.
Does it make sense to buy full coverage?
The chart below shows the difference between GMC Sierra car insurance costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no other discounts are factored in.
Should you be buying full coverage?
There is no specific rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your GMC Sierra replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Which car insurance company is best in Kansas City?
Picking a good quality company can be difficult considering how many choices there are in Kansas City. The ranking data in the lists below may help you choose which providers you want to consider when comparing rate quotes.
Top 10 Kansas City Car Insurance Companies Overall
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Kansas City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, funeral costs, pain medications, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, falling objects, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for collisions
Collision coverage pays for damage to your Sierra resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like scraping a guard rail, sideswiping another vehicle, backing into a parked car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible on your Sierra to bring the cost down.
Liability car insurance
This can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/10 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Missouri requires drivers to carry at least 25/50/10 but it’s recommended drivers buy more liability than the minimum.
The illustration below demonstrates why buying low liability limits may not be adequate.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many Missouri drivers only purchase the least amount of liability that is required (25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.
Cheaper car insurance rates are out there
You just learned a lot of ways to lower your GMC Sierra insurance rates in Kansas City. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the most savings is with some of the lesser-known companies.
More affordable car insurance in Kansas City can be found online and with local Kansas City insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide rate quotes online and most of the time these smaller companies prefer to sell through independent agents.
Insureds who switch companies do it for a number of reasons such as high prices, lack of trust in their agent, unfair underwriting practices or even being labeled a high risk driver. It doesn’t matter what your reason, switching companies is less work than it seems.
To learn more, feel free to visit these articles:
- What is Covered by GAP Insurance? (Allstate)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Kansas City? (FAQ)
- How Much is Car Insurance for Seniors in Kansas City? (FAQ)
- Who Has Affordable Car Insurance for a Toyota RAV4 in Kansas City? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Five Mistakes to Avoid (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)