Buy Kansas City, MO Car Insurance Like a Penny-pincher

Feel like you’re a prisoner to high-priced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rates possible.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Buying car insurance in Kansas City is quite easy. But Missouri vehicle owners benefit from understanding how insurance companies sell insurance online and apply this information to your search.

Kansas City Car Insurance Quote Comparison

There are a lot of ways to compare car insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance companies in Kansas City, or you could save time and use online quotes to maximize your effort.

Most car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each participating company then gives them pricing. This prevents consumers from doing quote forms for each company.

To get comparison pricing now click here to start a free quote.price insurance in Kansas City Missouri

The only downside to doing it this way is you are unable to specify the insurers to receive prices from. So if you want to choose from a list of companies to compare prices, we put together a list of low cost car insurance companies in Missouri. Click here for list of insurance companies in Missouri.

However you get your quotes, ensure you are comparing identical deductibles and coverage limits with each company. If you have differing limits it’s impossible to determine which rate is truly the best in Kansas City. Having just a slight variation in insurance coverages can make a big difference in price. Keep in mind that quoting more provides better odds of finding better pricing.

Are you getting all your discounts?

Auto insurance companies do not list every available discount very well, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Claim-free drivers pay much less as compared to frequent claim filers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.

Keep in mind that some credits don’t apply the the whole policy. Most cut individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

To choose insurers who offer car insurance discounts in Missouri, click this link.

When might I need an agent?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • What if I total my vehicle and owe more than it’s worth?
  • Is business property covered if stolen from my car?
  • How much underlying liability do I need for an umbrella policy?
  • When should I drop full coverage on my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy more coverage than the required Missouri minimum liability coverage?
  • What are the best liability limits?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

price insurance in Kansas City Missouri

Even more information can be found at the Missouri Department of Insurance website. Missouri drivers can read enforcement actions against agents and companies, find a variety of consumer forms, file complaints about an insurance agent or broker, and learn about specific coverages.

One last thing

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Cost effective car insurance can be bought both online as well as from independent agents in Kansas City, and you should be comparing both so you have a total pricing picture. Some car insurance companies don’t offer online price quotes and these small insurance companies work with independent agents.