Feel like you’re a prisoner to high-priced car insurance? Trust us, there are many people just like you.
You have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.
It’s a great practice to get comparison quotes once or twice a year because insurance rates change frequently. If you had the best price six months ago you will most likely find a better rate today. Don’t believe everything you read about car insurance online but by reading this article, you’re going to learn some excellent ideas to reduce your car insurance bill.
How to Lower Your Car Insurance Cost in Kansas City
The are a couple different ways to get quotes from car insurance companies in your area. The quickest method to compare insurance prices consists of shopping online. This can be done in a couple of different ways.
- The best way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quote forms for each company. One form will get you price quotes from several companies.
- A slightly less efficient method to analyze rates requires a trip to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want rates from Farmers, Allstate and GEICO. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method.
To view a list of companies in Kansas City, click here.
- The hardest way of getting rate comparisons is to drive around to different Kansas City agent offices. Buying insurance online makes this process obsolete unless you require the trained guidance only provided by licensed Kansas City agents. You can, however, compare the best prices online and get advice from an agent in your area and we’ll touch on that later.
Whichever way you use, ensure you’re using exactly the same coverages and limits with each company. If your comparisons have unequal deductibles or liability limits you can’t possibly find the best deal in Kansas City. Slightly different coverage limits can make a big difference in price. And when price shopping your coverage, getting more free quotes provides better odds of finding lower pricing.
Do you qualify for discounts?
Auto insurance companies don’t necessarily list all available discounts very clearly, so we break down both well-publicized and the more hidden discounts you could be receiving.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Low Mileage – Keeping the miles down can earn a substantially lower rate.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
- Drive Safe and Save – Safe drivers can pay as much as 50% less than drivers with accident claims.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings of more than 20%.
- No Accidents – Claim-free drivers pay much less when compared with accident-prone drivers.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
- New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
- Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
- Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.
Which insurance is the “right” coverage?
When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation may require specific advice.
- Should I have combined single limit or split liability limits?
- Am I covered if I crash into my own garage door?
- Do I have coverage if my license is suspended?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Is there coverage for injuries to my pets?
- Do I pay less if my vehicle is kept in my garage?
- Do I need special endorsements for business use of my vehicle?
- Do I have coverage when pulling a U-Haul trailer?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Additional detailed information can be found at the Missouri Department of Insurance website. Visitors are able to view a list of available companies, read state legal mandates and laws, and read industry bulletins.