Things You Must Know Before Purchasing Kansas City Auto Insurance Online

Confused by the wide range of auto insurance options in Kansas City? Lot’s of other consumers are too. You have so many options available that it can be more work than you anticipated to locate the lowest price.

If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to cut your premiums and still get good coverage. This information will instruct you on the best way to quote coverages and some tricks to saving. Missouri consumers just need to learn the most efficient way to shop their coverage around over the internet.

Verify you’re getting all your discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some must be specially asked for before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Senior Citizens – Older drivers may be able to get better auto insurance rates.
  • Homeowners Discount – Simply owning a home can save you money because owning a home shows financial diligence.

It’s important to note that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

For a list of companies with the best auto insurance discounts in Missouri, click this link.

Learn more today

More information is located on the Missouri Department of Insurance website. Click here for link. Missouri drivers can read industry bulletins, discover disciplinary actions, get help finding coverage, and find out which companies have the most complaints.

Additional helpful sites include’s auto insurance page and this link which helps you find a Kansas City agent.

Buy online or local, you save

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, high prices and denial of a claim. No matter why you want to switch, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Kansas City auto insurance

Low-cost auto insurance can be sourced from both online companies and also from your neighborhood Kansas City agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many cases where someone dropped liability coverage limits only to discover later they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best price while not skimping on critical coverages.