Amazingly, a recent NerdWallet.com study showed that the vast majority of consumers kept their coverage with the same auto insurance company for well over three years, and 38% of drivers have never even compared rates from other companies. Most drivers in Kansas City could save themselves as much as 25% a year, but they assume it’s a waste of time to find cheap rates by getting comparison quotes.
If saving money is your primary concern, then the best way to get discount Volvo C30 insurance is to do an annual price comparison from insurers who provide auto insurance in Kansas City.
- First, get a basic knowledge of policy coverages and the measures you can control to keep rates down. Many rating criteria that drive up the price such as speeding tickets, accidents and a bad credit rating can be amended by making minor changes in your lifestyle. This article gives information to get cheaper rates and find hidden discounts.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can quote prices from multiple companies. View companies
- Third, compare the new rate quotes to the price on your current policy and determine if cheaper C30 coverage is available in Kansas City. If you can save some money, ensure there is no coverage lapse between policies.
- Fourth, provide notification to your current agent or company to cancel the current policy and submit payment and a completed application to your new agent or company. When you receive it, keep the new certificate of insurance somewhere easily accessible.
The key thing to remember is to make sure you’re comparing identical coverage information on each price quote and and to get prices from as many companies as you can. This ensures a fair rate comparison and a complete price analysis.
If you have a policy now or need new coverage, take advantage of these tips to shop for the lowest rates without having to cut coverage. Finding quotes for affordable insurance in Kansas City is quite easy. Smart buyers just need to learn the most effective way to get comparison quotes online from multiple companies.
Affordable Volvo insurance rates in Kansas City
The following companies provide comparison quotes in Missouri. To buy the best cheap car insurance in Missouri, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Insurance data for a Volvo C30
The rate table shown below highlights different insurance rates for Volvo C30 models. Having a better understanding of how insurance prices are figured can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $262 | $414 | $348 | $20 | $104 | $1,148 | $96 |
| C30 T5 R-Design | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can raise or lower insurance rates substantially.
Deductible analysis
One of the most common insurance questions is how low should you set your deductibles. The comparison tables below highlight the premium difference when you select higher and lower policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| C30 T5 R-Design | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| C30 T5 R-Design | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Prices above 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-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in garaging location in Kansas City which can change prices greatly.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $20 more each month or $240 every year than choosing the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 38 months between claim filings, you would more than likely save some money by going with a higher deductible. The table below illustrates an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $82 |
| Average monthly premium for $1,000 deductibles (subtract): | – $62 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 38 months |
One thing to be aware of is that increasing deductibles to save money means you pay more out-of-pocket if you have a claim. You should have some money saved in order to pay the higher deductible in order to repair your vehicle.
The example below shows how choosing a deductible and can change Volvo C30 insurance rates for each different age group. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Volvo C30 Insurance Costs Can Be Lower
Consumers need to have an understanding of the different types of things that help determine your premiums. When you understand what controls the rates you pay, this enables informed choices that may reward you with lower premium levels. Multiple criteria are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are less obvious like your vehicle usage or your vehicle rating.
Protect yourself with liability coverage – The liability section of your policy kicks in if ever you are responsible for personal injury or accident damage. This coverage provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
Choose high NHTSA crash test ratings and save – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety result in less severe injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates. If the Volvo C30 is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
Higher comp and collision deductibles lower costs – Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your Volvo. Examples of covered claims are a broken windshield, collision with an animal, or theft. Your deductibles represent how much money you are required to pay if the claim is covered. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive.
Your car’s features help determine rates – Driving a car that has a built-in theft deterrent system can save you a little every year. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
How many coverages with the same company – Some companies allow better rates to clients who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to check prices from other companies to ensure the best deal.There is a chance you can find better rates even if you have your coverage with different companies
Save annual miles and save money – The higher the miles on your Volvo in a year the more it will cost to insure it. A lot of companies calculate rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating is rated on the correct usage. Improper usage on your C30 is throwing money out the window.
Which gender costs less? – Over time, data shows females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. Both genders cause at-fault accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
The information below illustrates the comparison of Volvo C30 car insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $250 deductibles, marital status is single, and no discounts are factored in.
Save a ton by earning discounts
The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some need to be inquired about before they will apply.
- More Vehicles More Savings – Insuring all your vehicles on one policy can get a discount on all vehicles.
- Good Student Discount – Maintaining excellent grades may save you up to 25%. Most companies allow this discount up to age 25.
- New Car Discount – Putting coverage on a new C30 can be considerably cheaper because newer vehicles keep occupants safer.
- Telematics Data Discounts – Policyholders that allow companies to scrutinize vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.
- Active Military Service – Being deployed in the military may lower your premium rates slightly.
- Early Signing – Some larger companies reward drivers for buying a new policy prior to your current C30 insurance policy expiring. Ten percent is about the average savings.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
- Cautious Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you will save over 10 percent off each policy depending on the company.
Consumers should know that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The chart below visualizes the comparison of Volvo C30 insurance costs with and without discounts applied. The rate quotes are based on a male driver, no accidents or driving violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.
A partial list of companies that may offer quotes with some of the above discounts may include but are not limited to:
When comparing rates, check with every prospective company which credits you are entitled to. Some discounts may not apply in your state. To choose companies who offer car insurance discounts in Kansas City, click here to view.
You may need help from a local insurance agent
Some consumers still like to buy from a local agent and that can be a great decision Professional insurance agents can help you build your policy and give you someone to call. The biggest benefit of comparing auto insurance online is that you can find cheap rate quotes and still choose a local agent.
To help locate an agent, after submitting this simple form, your coverage information is submitted to agents in your area who will give you quotes for your business. You never need to find an agent on your own since rate quotes are delivered to you. If you wish to quote rates from one company in particular, you can always jump over to their website and submit a quote form there.
Deciding on a insurance company shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- How many years have they been established?
- Is the quote a firm price?
- Do they offer rental car reimbursement?
- How are they compensated?
- Does the agency support the community they serve?
- Which members of your family are coverage by the policy?
- Will their companies depreciate repairs to your car based on the mileage?
If you prefer to buy auto insurance from a good insurance agency, it’s important to understand the different types of agents and how they can quote your rates. Agents are classified as either independent or exclusive. Both can write policy coverage, but it’s a good idea to understand how they are different because it can influence your agent selection.
Exclusive Auto Insurance Agents
These type of agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are highly trained on their company’s products and that can be a competitive advantage. Consumers often use the same exclusive agent primarily because of the brand legacy rather than low rates.
The following is a list of exclusive insurance agents in Kansas City who can help you get comparison quotes.
- American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map - American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 – View Map - American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468 – View Map
Independent Agents (or Brokers)
Agents of this type are not required to write business for one company so they can write business through lots of different companies depending on which coverage is best. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent.
When comparing auto insurance prices, you will definitely want to get rate quotes from several independent agencies to have the most options to choose from. Most also write with smaller regional carriers which may provide better rates.
The following are independent agencies in Kansas City who can help you get comparison quotes.
- Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map - Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
How to find a good Kansas City auto insurance company
Finding the top auto insurance company can be a challenge considering how many companies are available to choose from in Kansas City. The rank data displayed below may help you choose which providers to look at buying from.
Top 10 Kansas City Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Top 10 Kansas City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Allstate
You can find cheap coverage
Throughout this article, we presented a lot of information how to lower your Volvo C30 insurance rates in Kansas City. The key concept to understand is the more times you quote, the better likelihood of getting affordable Volvo C30 insurance quotes. Drivers may even discover the lowest rates come from a small mutual company.
More affordable insurance in Kansas City can be sourced both online and also from your neighborhood Kansas City agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not offer online quoting and these regional carriers only sell coverage through independent insurance agencies.
As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
To learn more, feel free to browse these articles:
- Learn About Car Insurance (GEICO)
- Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Kansas City? (FAQ)
- Who Has Affordable Car Insurance for State Employees in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Business Use in Kansas City? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)