What Insurance is Cheapest for Low Mileage Drivers in Kansas City?

The words “cheap” and “insurance” really don’t belong together, especially when you are shopping around for the best price on coverage for low mileage drivers. To help control this cost, let’s introduce you to some things that determine car insurance premiums, and figure out some ideas to cut the cost of the next policy you buy.

The make and model of vehicle driven is one of the largest considerations in finding affordable coverage for low mileage drivers. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost less to insure than fast, unsafe models. The next table presents car insurance rates for some of the most affordable automobiles to insure.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates substantially.

Looking at the rates, we can infer that makes and models like the Toyota Prius, Honda CR-V, Ford Focus, and Ford Fusion are most likely going to be a few of the cheaper vehicles to insure for infrequent drivers.

Determining which companies offer the cheapest car insurance rates for low mileage drivers will require a tad more effort in order to find the best price.

Every insurance provider uses a little different formula to establish rates, so let’s look at the rankings for the car insurance companies with the most affordable rates in Kansas City. It’s important that you understand Kansas City, MO car insurance rates are impacted by many factors that will increase or decrease the policy price. Improving your credit rating, buying a home, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be more affordable than others.

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USAA normally has some of the cheapest car insurance rates in Kansas City at around $668 each year. This is $594 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners would also be considered some of the cheapest Kansas City, MO auto insurance companies.

In the above rates, if you buy coverage from Allied and switched to The Hartford, you might realize an annual premium reduction of approximately $64. Insureds with Auto-Owners may save as much as $252 a year, and Travelers customers might cut rates by $253 a year.

Be aware that those prices are averages across all drivers and vehicles and do not take into consideration a specific zip code for low mileage drivers. So the insurer that can offer you the best price may not even be in the top 23 companies in the list above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.

The example below demonstrates how deductibles can impact insurance costs when quoting cheap insurance for low mileage drivers. The data is based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could cut expenses by $182 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $276 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave $454 or more just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it will be necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Kansas City car insurance companies ranked

Finding a high-quality auto insurance company is difficult considering how many companies sell coverage in Kansas City. The company ratings shown next could help you analyze which providers you want to consider comparing prices from.

The rankings below are for major nationwide insurance companies, so companies with more of a regional focus are not factored into the list. If you wish to compare prices from these companies and more, click this link.

Top 10 Large Auto Insurers in Kansas City Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Large Auto Insurers in Kansas City Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Who has the cheapest Kansas City car insurance?

Kansas City car insurance rates are determined by lots of factors which can substantially change the price you pay. Simply improving your credit, moving to a different location, or getting a driving violation can trigger rate changes that can make some companies more affordable than the competition. In addition, auto insurance companies change their prices without warning to adjust for unexpected claims or profits. Significantly higher claims may cause rate increases, while lower claims may cause more affordable Kansas City car insurance rates.

For instance, the data below shows which companies have the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with a clean driving record, no accidents, and a good credit history. When quoting prices based on his personal risk profile, USAA might quote the lowest car insurance rates in Kansas City at $825 a year. This is $437 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and MO Farm Bureau are the remaining best Kansas City, MO auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison a claim, a lower credit rating, and a traffic citation. Since every insurance provider uses their own calculation for establishing rates, getting updated rate quotes may now show a completely different list of affordable Kansas City car insurance companies as shown below.

Travelers now has the cheapest rate in Kansas City with Nationwide, Electric, Farmers, and Cameron Mutual now being in the top five. This example demonstrates why it is critical to shop around with many companies when trying to find the most budget-friendly insurance rates for low mileage drivers.

Prices are determined by many different factors and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be quite expensive.

How to find low-cost insurance for low mileage drivers

It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help drivers quote cheaper car insurance.

• At-fault accidents can raise rates significantly
• Try to remain claim-free
• Raise deductibles
• Violations and traffic tickets increase rates
• Good credit scores may make rates cheaper
• Save money by bundling your home and auto policies
• Comparison shop at least once a year

That final tip is very significant, as was stressed in this piece. Prices charged by car insurance companies fluctuate constantly, so drivers shouldn’t be reluctant to switch to a new company if you find a cheaper price.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if your bullheadedness ends up costing you several hundred dollars every year. In just a couple of minutes you could shop around to find cheaper auto insurance for low mileage drivers in Kansas City.

If you have coverage questions and would like to have some advice when trying to find lower insurance rates for infrequent drivers, the agents below are a good start to help you make a decision which car insurance company is the best fit. To find an agent using an interactive map, click the button following the list or click here to compare price quotes.

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