Top Ways to Save on N Kansas City Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many people just like you. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with advertising and it can be hard to sift through the bull and find the best price available.

It's important to compare prices at least once a year because rates are constantly changing. Even if you got the lowest price on your last policy you may be paying too much now. Ignore everything you know about car insurance because you're about to find out the only way to lower your rates without sacrificing coverage.

Compare the Market for Car Insurance in N Kansas City

Comparing car insurance rates can take time and effort if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in N Kansas City, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each participating company then returns a price quote. This system prevents you from having to do quotation requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you don't know exactly which companies you want to price. So if you want to select individual companies to receive pricing from, we have assembled a list of car insurance companies in Missouri. Click here for list of insurance companies in Missouri.

It's up to you how you get prices quotes, just compare exactly the same coverage limits and deductibles for each price quote. If you compare different liability limits it's not possible to truly determine the lowest rate in N Kansas City.

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that go into determining your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better car insurance rates.

Rate your vehicle for proper use - The more miles you rack up on your car in a year the more you will pay for car insurance. Almost all companies rate vehicles based on their usage. Autos that are left in the garage receive lower rates compared to those used for work or business. Verify your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
Add-on coverages can add up - There are many extra coverages that you can buy on your policy. Insurance for vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
More than one policy can earn a discount - Most car insurance companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
High crash test scores lower rates - Safer cars tend to have better insurance rates. These vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders.
How's your driving record? - Your driving citation history has a huge affect on how much you pay. Drivers who don't get tickets have lower premiums than bad drivers. Only having one speeding ticket can bump up the cost forty percent or more. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. Physical damage deductibles are how much you are willing to pay before your car insurance pays a claim. The more you have to pay, the less your car insurance will be.
Battle of the sexes - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar numbers, but the males cause more damage. They also have more aggressive citations such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.

Be sure to get all your discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don't even know exist. Some discounts apply automatically when you get a quote, but less common discounts must be inquired about before you will receive the discount. If you aren't receiving every discount possible, you're just leaving money on the table.

Auto/Life Discount - Some companies give better rates if you take out life insurance from them.
Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Lower Rates for Military - Having a family member in the military could mean lower rates.
Discount for Good Grades - Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.

It's important to note that most discount credits are not given the the whole policy. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you're out of luck. But any discount will reduce the amount you have to pay.

For a list of companies offering car insurance discounts in N Kansas City, click this link.

More information is located on the website for the Missouri Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, read consumer alerts, and find disaster information.

Best coverage at the best price

When you buy insurance online, it's not a good idea to reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Lower-priced car insurance can be found from both online companies as well as from independent agents in N Kansas City, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and most of the time these small, regional companies sell through independent agents.