Auto Insurance in Raytown – 7 Discounts You Might be Unaware of

Purchasing the most affordable Raytown auto insurance on the web may be somewhat difficult for consumers new to shopping for insurance online. With such a large number of insurers available, how can consumers even start to compare every one to find the cheapest available price?

Don’t pay full price with these seven discounts

Companies don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on auto insurance.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when buying auto insurance.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Resident Student – Children who live away from home and do not have a car may qualify for this discount.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, you’re out of luck.

To see a list of insurance companies who offer auto insurance discounts in Missouri, click this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining if you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Is my nanny covered when driving my vehicle?
  • Do I need higher deductibles?
  • What happens if I owe more than my vehicle is worth?
  • Why am I required to get a high-risk car insurance policy?
  • Should I have combined single limit or split liability limits?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When does my teenage driver need to be added to my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability coverage do I need in Missouri?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Price shop online but buy from a local Raytown agent

Some consumers prefer to visit with an insurance agent and that is OK! The best thing about getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

To help locate an agent, after submitting this simple form, the quote information is transmitted to local insurance agents in Raytown who will compete for your coverage. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox. How cool is that?! Get lower rates without the usual hassles of price shopping.

Picking an insurer should depend on more than just the bottom line cost. Ask your prospective agent these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Which company do they place the most coverage with?
  • How long has their agency been in business in Raytown?
  • Is their price quote a firm figure or are their hidden costs?
  • How much can you save by raising your physical damage deductibles?

Two different types of auto insurance agents

When looking for a local agent, you need to know there are two types of agencies that you can select. Raytown agents are either captive or independent.

Captive Insurance Agents

Captive insurance agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so it’s a take it or leave it situation. These agents are well schooled on their products and sales techniques and that can be a competitive advantage. Some people will only purchase coverage from captives mainly due to the brand legacy and the convenience of having all coverages with one company.

The following is a list of captive insurance agents in Raytown who may provide you with rate quotes.

  • American Family Insurance – 9620 E State Route 350 # 107a – Raytown, MO 64133 – (816) 358-6233
  • Shelter Insurance – 10215 E State Route 350 # A – Raytown, MO 64138 – (816) 358-1000
  • Allstate Insurance – 9507 E 63rd St # 206 – Raytown, MO 64133 – (816) 353-9111
  • Farmers Insurance Group – 10110 E 63rd St – Raytown, MO 64133 – (816) 356-2223
  • State Farm Insurance – 11563 E 63rd St – Raytown, MO 64133 – (816) 356-1515
Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When searching for an agent, we recommend you include price quotes from at least one independent agent for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which can be an advantage.

Below are independent insurance agencies in Raytown willing to provide comparison quotes.

  • Consolidated Insurance Svc Inc – 6220 Arlington Ave – Raytown, MO 64133 – (816) 358-7250
  • Edith Anderson Insurance – 6520 Raytown Rd # G – Raytown, MO 64133 – (816) 743-0160
  • Direct General Ins Agency – 9059 E State Route 350 – Raytown, MO 64133 – (816) 737-5200

For a full directory of insurance agents in Raytown, please click here.<img class="alignright" style="padding-top:15px;" src="" alt="Raytown Missouri car insurance quote”/>

Upon receiving answers to your satisfaction and an affordable coverage quote, you may have just found an insurance agent that is a good match to properly service your auto insurance policy.

Can you really save $403 a year?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim about savings if you switch your coverage to them. How do they all say the same thing?

All the different companies have a preferred profile for the driver that is profitable for them. For example, a desirable insured could be between 30 and 50, insures multiple vehicles, and has excellent credit. A driver who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who fall outside these standards will be quoted higher rates and ends up with business not being written. The ad wording is “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why you should get quotes from several different companies. It’s not possible to predict the company that will have the lowest rates.

The coverage is in the details

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from a tornado or hurricane and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.

Due to the fact that many Missouri drivers only carry the minimum required liability limits (25/50/10 in Missouri), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, medical services, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. Missouri state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy better liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, ambulance fees, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Raytown Missouri car insurance quote

Collision coverage protection

Collision coverage covers damage to your vehicle caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Additional auto insurance links

More detailed Missouri auto insurance information is available at the Missouri Department of Insurance website. Consumers can find a variety of consumer forms, read state legal mandates and laws, and read industry bulletins.

Also read more on this site for rates in Missouri and this resource to find Raytown, MO insurance agents.

Cheaper insurance is a realistic goal

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price.

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, high prices, policy cancellation or even poor customer service. Regardless of your reason, switching auto insurance companies can be less work than you think.

We just covered a lot of information how to reduce auto insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company.