Comparison shopping for Kansas City car insurance can be hard for consumers not familiar with shopping for insurance online. There are so many options available that it can turn into a big hassle to find lower rates in Kansas City.
It’s a good habit to shop coverage around every six months since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rates a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to find the best cheap car insurance in Kansas City while lowering your premiums.
Finding affordable coverage in Kansas City is not rocket science. If you are paying for car insurance now, you should be able to save some money using these methods. Missouri consumers just need to understand how to compare rates online.
Pay less by taking advantage of discounts
Companies don’t always list all their discounts very well, so we researched both well-publicized and the more hidden ways to save on car insurance. If you don’t get every credit available, you’re just leaving money on the table.
- Driver Safety – Completing a driver safety course can save you 5% or more if your company offers it.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
- Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
- Sign Online – Certain companies may give you up to $50 just for signing your application online.
- No Accidents – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.
How to Get Cheap Car Insurance in Kansas City, MO
There are a lot of ways to compare car insurance quotes, but some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in Kansas City, or you can stay home and use the internet to maximize your effort.
Many companies enroll in a system that enables customers to send in one quote, and every company can give them a price. This prevents consumers from doing form submissions for every car insurance company.
The only downside to using this type of system is that consumers can’t choose the insurers to get quotes from. If you wish to select from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in Missouri. Click here to view list.
Whichever method you choose, make darn sure you compare identical coverage information on every quote you get. If you have higher or lower deductibles it will be next to impossible to truly determine the lowest rate in Kansas City.
As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.
Drivers change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, denial of a claim or even delays in responding to claim requests. No matter why you want to switch, choosing a new company can be less work than you think.
In this article, we covered some good ideas how to compare car insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.