Consumers not familiar with buying insurance online may find buying cheap Kansas City car insurance is harder than they anticipated.
Buying car insurance in Kansas City is not that difficult. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Missouri vehicle owners only need to know the most efficient way to find the lowest price on the web.
These discounts can lower your rates
Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.
- Federal Government Employee – Active or retired federal employment can earn a discount up to 10% with certain companies.
- Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Bundle and Save – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
- Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
- Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
- Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on car insurance.
Consumers should know that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.
To see a list of insurance companies with discount car insurance rates in Kansas City, click this link.
Don’t believe everything you hear
Consumers in Missouri can’t ignore all the ads that promise big savings by companies like State Farm, Allstate and Geico. They all seem to have a common claim about savings after switching to them.
But how can every company claim to save you money?
Insurance companies have a certain “appetite” for the right customer that is profitable for them. For instance, a driver they prefer might be between 25 and 40, is a homeowner, and chooses high deductibles. A propective insured who fits that profile will get very good rates and therefore will save a lot of money.
Potential customers who do not match the “perfect” profile must pay a more expensive rate which leads to business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can advertise the way they do. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which company will provide you with the cheapest rates.
Find out more about car insurance
More tips and info about car insurance can be read at the Missouri Department of Insurance website. Missouri drivers can find a variety of consumer forms, file complaints about a company, get help finding coverage, and view agent and company licensing information.
Other informative sites include NAIC.org’s Understanding your Policy and this list of insurance agents in Kansas City.
Online plus local equals savings
We’ve covered a lot of ways to shop for car insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a lesser-known regional company.
When you buy insurance online, never reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
People who switch companies do it for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, policy cancellation and lack of trust in their agent. Whatever your reason, switching companies is less work than it seems.