How to Know You’re Throwing Money Away for Car Insurance in Kansas City Kansas

Are you sick and tired of scraping the payment together each month for car insurance? You are no different than many other Kansas drivers. Multiple auto insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute best rate

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you in Kansas City is not that difficult. Kansas drivers just need to learn the most efficient way to find the lowest price online.

You probably qualify for some discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time of quoting, but a few need to be requested specifically before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Senior Citizens – Mature drivers may be able to get reduced rates.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Memberships – Participating in certain professional organizations could qualify you for a break on your policy.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • No Claims – Claim-free drivers can save substantially when compared with bad drivers.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers who offer car insurance discounts in Kansas, click this link.

Finding Car Insurance Deals in Kansas City, KS

Shopping for lower car insurance rates is a ton of work if you don’t understand the most efficient way. You can spend your afternoon discussing policy coverages with agents in Kansas City, or you can stay home and use online quoting to get rates in a matter of minutes.

Many insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company returns a rated price for coverage. This system prevents you from having to do quotation requests for each company you want a rate for. To get comparison pricing now click here (opens in new window).

The one downside to pricing coverage this way is that consumers can’t choose the providers to receive prices from. So if you prefer to pick specific providers to compare, we have a listing of the cheapest car insurance companies in Kansas. Click here for list of insurance companies in Kansas.

However you get your quotes, compare exactly the same coverages for every quote you compare. If you are comparing unequal deductibles or liability limits it’s not possible to find the best deal in Kansas City.<img class="alignright" style="padding-top:15px;" src="" alt="Kansas car insurance quote”/>

Make smart decisions and save

It’s important that you understand the factors that go into determining your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to lower car insurance prices.

  • Consolidate policies to earn discounts – Many insurers will give a discount to people who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to confirm you are receiving the best rates possible.
  • Never let your coverage lapse – Having an insurance coverage lapse is a guaranteed way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Where you live can impact rates – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Keep rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies in Kansas generally give discounts to people who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. They both have accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Rates may be lower depending on your job – Jobs such as judges, architects and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, occupations such as actors, engineers and retirees receive lower rates.
  • Lower rates with optional equipment – Owning a car with an alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.

Comparing rates from local agents

Certain consumers would rather buy from a licensed agent and that is just fine! Good agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is the fact that you can find better rates but also keep your business local. And providing support for local agencies is important especially in Kansas City.

After filling out this simple form, your coverage information is instantly submitted to insurance agents in Kansas City who will battle for your coverage. There is no reason to leave your computer because quoted prices will be sent directly to your email. How’s that for easy!

To select a specific agent in Kansas City, simply jump to this page.

Deciding on an insurer needs to be determined by more than just a cheap price. Some important questions to ask are:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are they able to influence company decisions when a claim is filed?
  • Can glass repairs be made at your home?
  • What insurance companies do they recommend if they are an independent agent?

Upon receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, most likely you have located an insurance company that can properly insure your vehicles.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all have a common claim about savings if you move your policy.

How can each company make the same claim? This is how they do it.

Different companies have a preferred profile for the right customer that is profitable for them. A good example of a desirable insured could possibly be between 25 and 40, a clean driving record, and drives newer vehicles. A customer who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Kansas car insurance quote

Drivers who don’t measure up to the “perfect” profile will be quoted higher rates and this can result in business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can claim big savings.

This emphasizes why drivers must quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

Shop smart and save

Budget-conscious car insurance is attainable 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 companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

More information about car insurance

Much more information about car insurance in Kansas is located on the website for the Kansas Insurance Department located here. Kansas consumers can read consumer alerts, read industry bulletins, and read enforcement actions against agents and companies.