How to Find Cheap Kansas City Car Insurance

People who are new to shopping for insurance online will discover finding low-cost Kansas City car insurance nearly impossible.

It's important to compare prices periodically because rates are constantly changing. Just because you had the best deal on your last policy you may be paying too much now. So forget anything you know (or think you know) about car insurance because you're going to learn the only way to find lower rates on car insurance.

Kansas City Car Insurance Comparisons

There are several ways to compare quotes from different Kansas City insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate quote forms for each company. Just one form will return quotes from many national carriers. It's definitely the quickest method.

Another way to compare rate quotes is to take the time to go to the website for each individual company to complete their respective quote request forms. For example, we'll pretend you want to compare , and . You would have to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in Kansas City, click here.

The hardest method to compare rates is to spend time driving to different agent offices. Shopping for car insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. Drivers can compare the best prices online and still use a local agent and we'll talk about that later.

It doesn't matter which method you choose, just be sure to compare identical coverages and limits on every quote you get. If you have different deductibles it will be impossible to determine which rate is truly the best in Kansas City. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies helps you find a lower rate.

Missouri car insurance quotes

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that go into determining your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Where you live can impact rates - Living in a small town can be a good thing when it comes to car insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Performance makes a difference - The type of car you own makes a big difference in the rate you pay. The most favorable rates are generally reserved for economy passenger models, but other factors influence the final cost greatly.
  • How's your driving record? - Drivers who don't get tickets receive lower rates than bad drivers. Only having one moving violation can bump up the cost twenty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Liability coverage is cheap - Liability insurance is the coverage that protects you if ever you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Take advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be inquired about before you get the savings.

  • Bundle and Save - When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Club Memberships - Belonging to a qualifying organization could trigger savings on car insurance.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Multi-car Discount - Insuring more than one vehicle on one policy could earn a price break for each car.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down your overall premium however.

For a list of companies offering car insurance discounts in Missouri, click this link.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Missouri minimum liability coverage?
  • Why am I required to buy high-risk coverage?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form.

Additional information is available on the Missouri Department of Insurance website through this link. Consumers can view agent and company licensing information, learn about specific coverages, and file complaints about a company.

Other useful links include Wikipedia and this Kansas City agent directory.

Missouri car insurance

Do the work, save more money

When you buy insurance online, make sure you don't reduce needed coverages to save money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate.

We just showed you many ideas to lower your car insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with an unexpected company.

Cheaper car insurance is available from both online companies as well as from independent agents in Kansas City, so compare prices from both to have the best selection. There are still a few companies who don't offer online quoting and most of the time these smaller companies sell through independent agents.