The recommended way to get discount auto insurance rates in Kansas City is to annually compare prices from insurance carriers who can sell car insurance in Missouri.
- Step 1: Try to comprehend policy coverages and the factors you can control to prevent rate increases. Many risk factors that increase rates such as your driving record and a low credit rating can be eliminated by being financially responsible and driving safely. Later in this article we will cover tips to find cheap prices and get additional discounts.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources. Compare rates
- Step 3: Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no lapse in coverage.
A good tip to remember is to try to compare the same level of coverage on each quote and and to analyze as many auto insurance providers as possible. Doing this provides a fair rate comparison and many rates to choose from.
Surprisingly, a recent survey revealed that a large majority of drivers have remained with the same insurance company for at least the last four years, and approximately 38% of consumers have never shopped around. Many consumers in Missouri can save 25% each year by just comparing rate quotes, but most just don’t grasp how much they could save if they swap their current policy for a cheaper one.
Finding and buying the cheapest insurance in Kansas City is not as hard as you think. If you are already insured or need a new policy, you can use this information to find better prices without reducing coverage. You just have to learn the proper methods to compare rates from many companies at once.
Cheap companies for Buick Lucerne insurance
The following companies can provide price quotes in Kansas City, MO. If you want the cheapest auto insurance in Missouri, it’s highly recommended you get prices from several of them to get the best price comparison.
Insurance coverage analysis
The table shown below covers estimates of coverage prices for Buick Lucerne models. Learning as much as possible about how auto insurance premiums are formulated can benefit drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| Lucerne CXL | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| Lucerne CXL Special Edition | $224 | $532 | $346 | $20 | $104 | $1,226 | $102 |
| Lucerne Super | $248 | $532 | $346 | $20 | $104 | $1,250 | $104 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in zip code location which can revise coverage prices noticeably.
Raise deductibles and save
The hardest decision when buying coverage is which deductible level should you buy. The comparisons below can help you understand the price difference when you buy lower versus higher policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Lucerne CXL | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Lucerne CXL Special Edition | $258 | $562 | $266 | $16 | $80 | $1,207 | $101 |
| Lucerne Super | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Lucerne CXL | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Lucerne CXL Special Edition | $144 | $296 | $266 | $16 | $80 | $802 | $67 |
| Lucerne Super | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location information which can decrease or increase price quotes substantially.
We can derive from the above data that using a $100 deductible will cost you approximately $32 more each month or $384 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 28 months between claims, you would probably come out ahead going with the higher deductible.
How violations and accidents impact rates
The chart below demonstrates how traffic citations and at-fault accidents drive up Buick Lucerne yearly insurance costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Do you need full coverage?
The illustration below illustrates the comparison of Buick Lucerne annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving citations, $1,000 deductibles, single status, and no policy discounts are applied.
When to buy liability coverage only
There is no exact formula to exclude physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s assume your Buick Lucerne book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after the policy deductible has been paid. If you are paying in excess of $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Learn How to Lower Your Insurance Costs
Many things are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are more obscure like your continuous coverage or how safe your car is. The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating your premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to cheaper rates.
The items below are some of the major factors used by insurance companies to determine your rates.
Rural areas have lower rates – Being located in areas with lower population is a positive aspect when shopping for auto insurance. People who live in big cities have more auto accidents and more time behind the wheel. Fewer drivers translates into fewer accidents and lower theft and vandalism rates.
Save money with good credit – Having a bad credit score is a large factor in your rate calculation. Insureds with high credit ratings tend to be better risks to insure than those with poor credit scores. So if your credit history leaves room for improvement, you may save money insuring your Buick Lucerne if you clean up your credit.
Does car insurance cost more for males? – Statistics demonstrate that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Men and women get in fender benders at about the same rate, but the men have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
The chart below illustrates the difference between Buick Lucerne auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.
Save money by eliminating add-on coverages – There are a lot of extra bells and whistles you can purchase on your insurance policy. Coverages for rental car coverage, accidental death, and extra life insurance coverage may be wasting your money. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.
Safer vehicles mean better rates – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you.
Car insurance policy discounts for Buick Lucerne insurance in Kansas City
Some providers don’t necessarily list every available discount very clearly, so the below list has a few of the more well known and also the more inconspicuous credits that may apply to you.
- Active Service Discounts – Having an actively deployed family member can result in better prices.
- Organization Discounts – Being in specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
- Paperwork-free – Many car insurance companies may give you up to $50 for buying your policy over the internet.
- Telematics Data Discounts – Drivers who elect to allow data collection to analyze driving manner by using a telematic data system like Allstate’s Drivewise might see lower rates as long as the data is positive.
- Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save a little off the medical payments premium.
- Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% but check with your company.
- Multiple Cars – Purchasing coverage when you have multiple cars or trucks with the same company can get a discount for every vehicle.
Discounts lower rates, but most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The information below visualizes the comparison of Buick Lucerne insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.
A partial list of companies that may offer some of the above discounts may include but are not limited to:
If you need lower rates, check with each company to give you their best rates. Some of the earlier mentioned discounts might not be offered in Kansas City. If you would like to view insurance companies who offer discounts in Missouri, click this link.
Insurance agencies near you
Certain consumers still like to get professional advice from a licensed agent and that is a smart decision Most agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of getting free rate quotes online is you may find cheap auto insurance rates and still have an agent to talk to. And supporting local insurance agents is definitely important in Kansas City.
Once you complete this form (opens in new window), the coverage information is immediately sent to participating agents in Kansas City that give free quotes for your insurance coverage. There is no reason to drive around since price quotes are sent directly to you. If you need to compare prices from a particular provider, you just need to find their quoting web page and complete a quote there.
If you would like to find an insurance agent, it can be helpful to understand the different types of agents that differ in how they can insure your vehicles. Auto insurance agents are considered either independent agents or exclusive agents. Both types of agents can sell affordable auto insurance policies, but it’s worth mentioning the difference in how they write coverage since it can affect the type of agent you choose.
Independent Auto Insurance Agencies
Independent agencies are not restricted to one company and that enables them to quote your coverage through many companies and find you the best rates. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies. If you need lower rates, you absolutely need to get some free quotes from multiple independent agents to ensure the widest selection of prices. A lot of them also have access to smaller companies that may have much lower rates than larger companies.
Featured below are independent insurance agents in Kansas City that can give you free auto insurance quotes.
- Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map - Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map
Exclusive Agents
Agents of this type can only provide pricing for a single company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are well schooled on their products and sales techniques which can be an advantage. Many people use the same agent primarily because of the brand and strong financial ratings.
Shown below are exclusive insurance agents in Kansas City willing to provide rate quotes.
- American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map - David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map - American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603 – View Map
Finding a good auto insurance agent needs to be determined by more than just the quoted price. The questions below may impact your decision as well.
- Will your rates increase after a single accident?
- Will they make sure you get an adequate claim settlement?
- Is auto insurance their primary focus in Kansas City?
- Is the agency active in community causes in Kansas City?
- Do they get paid more for recommending certain coverages?
- Is the agent properly licensed in Missouri?
- Do you qualify for any additional discounts?
- If your car is totaled, how to they determine the replacement cost?
Ratings for Kansas City car insurance companies
Insuring your vehicle with the top insurance company can be challenging considering how many companies sell coverage in Kansas City. The company ratings in the lists below could help you select which auto insurers to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
When to get professional advice
When quoting and comparing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. You are unique.
Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.
- Am I covered by my spouse’s policy after a separation?
- What is UM/UIM insurance?
- Do I need to file an SR-22 for a DUI in Missouri?
- Is business equipment covered while in my vehicle?
- Can I afford to buy a different vehicle if my Buick Lucerne is totaled?
- Why are teen drivers so expensive to add on to my policy?
- Does my Buick Lucerne qualify for pleasure use?
- What does PIP insurance cover?
- Can I afford to pay high deductible claims out of pocket?
- What if I total my Buick Lucerne and owe more than it’s worth?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Frequent quotes can save
When buying insurance coverage, never sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage and found out when filing a claim that it was a big error on their part. Your objective should be to get the best coverage possible at the best cost.
We’ve covered a lot of ways to reduce Buick Lucerne insurance car insurance rates online in Kansas City. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the best price on insurance is with a small local company.
People who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, being labeled a high risk driver or even policy non-renewal. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.
More tips and info about insurance can be read in these articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance After a Speeding Ticket? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Altima in Kansas City? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- Teen Driving Statistics (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)