Ultimate Strategies for Low-Cost Kansas City Auto Insurance

No one in their right mind cherishes buying auto insurance, in particular when the price is too high.

Because you have many companies to choose from, it can be hard to pick the cheapest insurance company.

You need to get comparison quotes periodically due to the fact that insurance rates tend to go up over time. Just because you found the lowest price a couple years back the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online, so with this article, you’re going to get some great ways to put money back in your pocket.

Buying car insurance in Kansas City is quite easy. In a nutshell, everyone who buys auto insurance will be able to lower their premiums. But Missouri vehicle owners do need to understand how companies determine prices and take advantage of how the system works.

Compare Kansas City Auto Insurance Costs

The are a couple different ways of comparing rates from different in Kansas Cityinsurance companies. The simplest method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can analyze rates is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quotation requests to each individual auto insurance company. One simple form gets you coverage quotes from many national carriers.
  2. A harder way to find lower rates is going to each company website to request a price quote. For examples sake, let’s say you want to compare rates from GEICO, Liberty Mutual and Allstate. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Kansas City, click here.

  3. The least recommended method of getting rate comparisons is to drive around to different agent offices. Buying insurance online has reduced the need for local agents unless you prefer the personal advice only provided by licensed agents. Drivers can price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you which method you use, but make sure you use the exact same quote information for every company. If you use differing limits it will be impossible to determine which rate is truly the best in Kansas City. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a better price.

Take discounts and save

Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find auto insurance savings.

  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

For a list of providers with the best auto insurance discounts in Kansas City, click here to view.

For more Missouri car insurance information

More detailed Missouri auto insurance information can be found at the Missouri Department of Insurance website. Missouri consumers can view agent and company licensing information, discover disciplinary actions, and read industry bulletins.

Other informative sites include this site for auto insurance rates in Missouri and see this list of insurance agents in Kansas City.