Save on Land Rover LR4 Insurance in Kansas City

It’s an obvious conclusion that auto insurance companies want to keep you from comparing prices. Consumers who compare other prices will most likely buy a new policy because they have a good chance of finding a lower-priced company. A recent survey discovered that consumers who shopped around every year saved over $865 a year compared to people who never compared prices.

If finding the lowest price for auto insurance in Kansas City is your ultimate goal, then having a good understanding how to get price quotes and compare insurance premiums can make it easier to shop your coverage around.

If you want to save money, the best way to get more affordable car insurance rates is to do an annual price comparison from companies who provide auto insurance in Kansas City. Prices can be compared by completing these steps.

• Step 1: Spend some time learning about the different coverages in a policy and the things you can control to drop your rates. Many things that are responsible for high rates such as careless driving and a less-than-favorable credit score can be remedied by making small lifestyle or driving habit changes.
• Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agents can quote rates for a wide range of companies.
• Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and change companies, ensure there is no coverage lapse between policies.
• Step 4: Provide notification to your current company of your intent to cancel the current policy and submit a signed application and payment to the newly selected company. As soon as coverage is bound, put the new certificate verifying proof of insurance in your glove compartment.

The most important part of shopping around is to make sure you’re comparing similar deductibles and liability limits on every quote and and to get prices from all possible companies. Doing this guarantees the most accurate price comparison and the best price selection.

If you already have coverage or just want to save money, follow these tips to shop for the lowest rates without having to cut coverage. Pricing the best-priced policy in Kansas City is not as difficult as people think. Shoppers just have to understand the most efficient way to compare company rates online.

Cheap Kansas City Land Rover LR4 insurance price quotes online

Most companies such as Allstate and Progressive give insurance quotes on their websites. Getting Land Rover LR4 insurance prices online is fairly simple as all you need to do is type in your coverage information as requested by the quote form. After the form is submitted, their system gets your driving and credit reports and provides a quote based on many factors.

This simplifies rate comparisons, and it is imperative to get many rate quotes in order to get the cheapest possible prices on car insurance.

If you want to fill out one form to compare multiple rates now, check out the car insurance providers below. If you have coverage now, it’s recommended you copy coverages and limits identical to your current policy. Doing this assures you will have an apples-to-apples comparison based on the exact same insurance coverage.

The companies shown below provide free quotes in Missouri. If you want to find the cheapest auto insurance in Kansas City, we recommend you click on several of them to get the best price comparison.

Facts and figures for Land Rover LR4 insurance

The premium information displayed below outlines detailed analysis of coverage prices for Land Rover LR4 models. Learning more about how auto insurance policy rates are formulated can help drivers make smart choices when comparing insurance rates.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Kansas City which can lower or raise premium rates considerably.

Auto insurance deductibles

The hardest decision when buying coverage is how low should you set your deductibles. The comparisons below outline how much more rates are of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $26 more each month or $312 every year than quoting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claim filings, you would more than likely save some money if you decide on a higher deductible. Below is an example of how this decision is made.

One thing to note is that increasing deductibles to lower your rates means you will have to pay more when you do file a claim. You will want to have enough disposable savings in the event you need to pay the higher deductible.

Auto insurance rates by gender and age in Kansas City

The example below shows the difference between Land Rover LR4 auto insurance costs for male and female drivers. The costs are based on no claims or violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Should you buy full coverage?

The chart below illustrates the comparison of Land Rover LR4 car insurance rates when comparing full coverage to state minimum liability only. The information is based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money on full coverage?

There is no written rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Land Rover LR4 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually to have full coverage, then it could be time to drop full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Discounts mean cheaper rates for Land Rover LR4 insurance in Kansas City

Some insurance providers don’t list every possible discount in a way that’s easy to find, so here is a list both the well known as well as some of the hidden discounts you could be receiving when you buy Kansas City auto insurance online. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Active Military Service – Being deployed in the military may lower your car insurance rates slightly.
• Theft Deterrent – Vehicles with anti-theft systems have a lower chance of being stolen and will save you 10% or more on LR4 insurance in Kansas City.
• Resident Student – Youth drivers living away from Kansas City attending college and leave their car at home can be insured at a reduced rate.
• Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less than drivers with accidents.
• Own a Home – Owning a house in Kansas City may trigger a policy discount on car insurance due to the fact that maintaining a home is proof of financial responsibility.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn slightly better prices than normal.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, that’s just not realistic. But any discount will cut your overall bill.

The diagram below visualizes the comparison of Land Rover LR4 annual premium costs with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, homeowner, and claim-free discounts applied.

Some companies that may include these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some credits might not apply in Kansas City. To find car insurance companies that offer discounts in Kansas City, click here.

Why you need to buy car insurance

Despite the high cost of buying insurance for a Land Rover LR4 in Kansas City, insurance is required by state law in Missouri and it also provides benefits you may not be aware of.

First, just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost every bank will force you to buy insurance to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Land Rover at a much higher rate and make you pay a much higher amount than you were paying before.

Third, car insurance protects your Land Rover LR4 and your assets. Insurance will also pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. An average driver in America overpays as much as $810 a year so it’s important to compare rates at every policy renewal to help ensure money is not being wasted.

When should I discuss my situation with an agent?

Always remember that when buying your policy, there really is no “perfect” insurance plan. Your situation is unique.

For example, these questions might help in determining if your situation would benefit from professional advice.

• Do I have newly-acquired coverage?
• Do I need motorclub coverage?
• Am I covered when using my vehicle for business?
• Am I covered if hit by an uninsured driver?
• When would I need additional glass coverage?
• Is my trailer covered?
• Should I have a commercial auto policy?
• Is my camper covered for physical damage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Can’t I get rate quotes from local Kansas City insurance agents?

Some consumers just want to buy from a licensed agent and doing that can be a smart decision Professional insurance agents can make sure you are properly covered and give you someone to call. One of the best bonuses of getting online price quotes is that you can find cheap rate quotes and still buy from a local agent.

After filling out this short form, the quote information is emailed to local insurance agents in Kansas City who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork as quotes are delivered to the email address you provide. If you wish to get a rate quote from a specific insurance company, just visit that company’s website and submit a quote form there.

Picking the best company needs to be determined by more than just the bottom line cost. The following questions are important to ask.

• Are all drivers listed on the coverage quote?
• Who are their largest clients?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is the agent and/or agency licensed to do business in Missouri?
• Where would your vehicle be repaired?
• When do they do a full risk review?
• How would your car be valued if totaled?
• Are they actively involved in the community?

If you need to find a reliable insurance agency, it can be helpful to understand the different types of agencies from which to choose. Agencies in Kansas City may be either independent (non-exclusive) or exclusive. Either type can write policy coverage, but we need to point out the difference in how they write coverage since it can impact the type of agent you choose.

Exclusive Agencies

Agents in the exclusive channel can only provide pricing for a single company such as Farmers Insurance or State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets. Many people buy from exclusive agents primarily because of the prominence of the brand rather than low price.

Shown below are Kansas City exclusive agencies willing to provide price quote information.

• State Farm: Tony Guy
  1100 Walnut St #130 – Kansas City, MO 64106 – (816) 221-9066 – View Map
• American Family Insurance – Keith Powell Agency Inc.
  21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
• Jamie Bilton – State Farm Insurance Agent
  10901 Hickman Mills Dr Ste D – Kansas City, MO 64137 – (816) 763-5444 – View Map

View more Kansas City agents

Independent Insurance Agents

Agents in the independent channel are not required to write business for one company so they can quote policies with multiple insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, your policy is moved internally which makes it simple for you.

When comparing insurance rates, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices. Most have the option of insuring with companies you’ve never heard of which could offer lower prices.

The following is a short list of independent agents in Kansas City that are able to give comparison quotes.

• Northland Independent Insurance Group
  5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map
• Safeway Insurance Agency
  3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 – View Map
• Chris Jones Insurance Agency
  435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map

View more Kansas City agents

If you receive good responses for all questions you ask and an acceptable price quote, chances are good that you have found an auto insurance agent that is reliable enough to adequately provide insurance. Just remember you are able to terminate coverage whenever you wish so don’t assume you are locked into a policy for a certain time period.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Land Rover LR4.

Because many people have only the minimum liability required by law (25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, rehabilitation expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, fire damage, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your LR4 to bring the cost down.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/10 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for things like structural damage, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford. Missouri requires drivers to carry at least 25/50/10 but you should think about purchasing more coverage.

The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.