Follow these Steps to Find the Best Insurance Agent in Kansas City, MO

To locate a good Kansas City agent, we recommend you do the preliminary legwork by getting online comparison quotes to save yourself time. You require a good agent, but also need the cheapest rates you can possibly find.

Multiple insurance agencies compete for your insurance dollar, and it can be difficult to compare rates and get the definite lowest rate

Why do I need an agent?

Professional agents can answer important questions and help file insurance claims. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.

Once you complete this short form, your coverage information is emailed to local insurance agents in Kansas City who will battle for your business. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. How’s that for easy!

Deciding on a car insurance agent shouldn’t rely on just a cheap price. Agents should be asked these questions:

  • Do they assist clients in filing claims?
  • Who are their largest clients?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they regularly work with personal auto policies?

The type of auto insurance agent you choose is important

If you’re trying to find a reputable insurance agent or broker, there are two different agency structures to choose from. Insurance agencies in Kansas City are classified as either independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s good to learn how they differ because it can influence your agent selection.

Captive Insurance Agents

Captive insurance agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents receive extensive training on the products they sell which can be an advantage. Some people will only purchase coverage from captives primarily because of high brand loyalty and the convenience of having all coverages with one company.

Below are Kansas City captive insurance agents that can give you price quote information.

  • American Family Insurance – 6812 N Oak Trfy – Kansas City, MO 64118 – (816) 436-8484
  • Shelter Insurance – 310 NW Englewood Rd – Kansas City, MO 64118 – (816) 454-0929
  • Allstate Insurance – 500 W 103rd St – Kansas City, MO 64114 – (816) 943-9500
  • State Farm Insurance – 6406 E 87th St – Kansas City, MO 64138 – (816) 333-4445
  • Farmers Insurance Group – 5423 Blue Pkwy – Kansas City, MO 64130 – (816) 861-7776
  • Farm Bureau Insurance – 7517 N Oak Trfy – Kansas City, MO 64118 – (816) 436-9571
  • Liberty Mutual Insurance – 1601 E 18th St – Kansas City, MO 64108 – (816) 842-2880
Independent Insurance Agents

Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When comparison shopping, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from.Many can place coverage with smaller regional carriers which can save you money.

Below are Kansas City independent agents willing to provide price quote information.

  • Ardi Agency Inc – 102 NW Parkway Rd – Kansas City, MO 64150 – (816) 842-6586
  • Rockhill General Agency – 801 W 47th St – Kansas City, MO 64112 – (816) 412-2860
  • Bob Loveland Insurance – 400 E Red Bridge Rd # 319 – Kansas City, MO 64131 – (816) 941-0097
  • Sloan Agency Insurance – 4400 Madison Ave – Kansas City, MO 64111 – (816) 531-3680
  • Puritz Insurance Group – 501 NW 44th St – Kansas City, MO 64116 – (816) 455-7700

For a full directory of Kansas City insurance agents, visit this site.

Once you have received positive responses and an affordable coverage quote, you have narrowed it down to an insurance agent that is a good match to provide auto insurance coverage.

When might I need help?

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Do I need rental car coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How many claims can I have before being cancelled?
  • At what point should I drop full coverage?
  • Does my personal policy cover me when driving my company car?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered by my spouse’s policy after a separation?
  • When should I remove comp and collision on my vehicle?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent.

Include online companies when price shopping

Licensed agents are indespensible for some people, but you also have the option of buying direct over the internet. Even companies who have local Kansas City agents also allow consumers to buy a policy online, so this should also be taken into consideration if finding the best price is important.

If you’re concerned about not receiving proper advice, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage provide options for getting questions answered. They also make available online education and live help anytime to make it easier to purchase.

Is auto insurance cheaper online? That is a tough question to answer because there are a lot of things that impact your final bill. You may think that buying car insurance online saves money because there is no agent involvement. For the majority of companies, however, marketing their products costs a lot of money and that impacts the rates consumers pay.

Quote more, save more

Cheaper auto insurance is definitely available both online in addition to many Kansas City insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Read more about Missouri auto insurance

Additional detailed information is available at the Missouri Department of Insurance website. Missouri consumers can read enforcement actions against agents and companies, report car insurance fraud, and find disaster information.

Kansas City MO insurance agency

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