Smart shoppers know that car insurance companies don’t want you to look for cheaper rates. Insureds who shop around for cheaper prices will probably switch to a new company because they have a good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that consumers who routinely shopped around saved $70 a month as compared to drivers who don’t regularly compare prices.
If saving the most money on Chevy Equinox insurance is your ultimate target, then having a grasp of how to choose a company and compare coverage rates can make shopping around easier.
If saving money is your primary concern, then the best way to quote cheaper Chevy Equinox insurance in Kansas City is to compare prices at least once a year from insurance carriers in Missouri.
- First, spend some time learning about how your policy works and the things you can control to drop your rates. Many rating factors that are responsible for high rates like traffic citations and a substandard credit history can be amended by making lifestyle changes or driving safer. This article gives more information to get cheaper rates and find overlooked discounts.
- Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple insurance companies.
- Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you can save money, make sure there is no lapse in coverage.
- Fourth, notify your current company to cancel the current policy and submit a signed application and payment to your new insurance company. As soon as you can, put the new certificate of insurance in your glove compartment.
An important note is to use identical deductibles and limits on each quote request and and to get price estimates from as many companies as feasibly possible. This guarantees a fair rate comparison and the best price selection.
If you have coverage now, you will definitely be able to find better prices using the ideas covered in this article. Finding the cheapest insurance coverage in Kansas City is actually very simple if you learn how to start. But Missouri vehicle owners must understand the methods companies use to charge you for coverage because it can help you find the best coverage.
All major insurance companies such as Allstate, GEICO and Progressive allow consumers to get coverage prices on their websites. Comparing prices online for Chevy Equinox insurance in Kansas City is quite easy because it’s just a matter of typing in the coverages you want as detailed in the form. Once entered, the company’s rating system automatically orders information on your driving record and credit history and provides a quote based on the data you entered. Being able to quote online for Chevy Equinox insurance in Kansas City makes comparing rates easy, and it is imperative to perform this step in order to find the lowest payment possible.
To find out how much you can save on insurance, compare rate quotes from the providers shown below. If you currently have coverage, we recommend that you enter the limits and deductibles as shown on your current policy. This helps ensure you are getting rate quotes using the same coverage and limits.
The car insurance companies shown below are our best choices to provide comparison quotes in Kansas City, MO. In order to find the best cheap auto insurance in MO, it’s a good idea that you get prices from several of them to get the most competitive price.
Auto insurance analysis for a Chevy Equinox
The data table displayed next showcases detailed analysis of insurance coverage prices for Chevy Equinox models. Having insight into how rates are determined helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $198 | $392 | $346 | $20 | $104 | $1,060 | $88 |
| Equinox LT 2WD | $198 | $392 | $346 | $20 | $104 | $1,060 | $88 |
| Equinox LS AWD | $198 | $392 | $346 | $20 | $104 | $1,060 | $88 |
| Equinox LT AWD | $198 | $392 | $346 | $20 | $104 | $1,060 | $88 |
| Equinox LTZ 2WD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| Equinox LTZ AWD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| Equinox LTZ AWD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in your specific Kansas City location which can affect auto insurance rates greatly.
Rate difference between full and liability-only coverage
The example below shows the difference between Chevy Equinox insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to buy liability coverage only
There isn’t a written rule of when to exclude full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Chevy Equinox replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If it’s costing you more than $800 annually for full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Compare prices but buy from a neighborhood Kansas City auto insurance agent
A lot of people prefer to sit down with an agent and often times that is recommended A nice benefit of price shopping on the web is that drivers can save money and get cheap car insurance quotes and still choose a local agent. Buying insurance from neighborhood insurance agencies is especially important in Kansas City.
For easy comparison, once you complete this quick form, your insurance coverage information is submitted to companies in Kansas City who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to drive around as quotes are delivered directly to your email. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a comparison quote for a specific company, you just need to navigate to their website and submit a quote form there.
When narrowing the list to find a good insurance agency, it helps to know the two different types of agents and how they are distinctly different. Kansas City agents can either be independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
These type of agents are not employed by any specific company and that allows them to write policies with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparing car insurance rates, we recommend you include at least one independent agent to get the most accurate price comparison.
Shown below is a small list of independent agencies in Kansas City who can help you get cheap rate quotes.
Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map
Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map
InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Exclusive Car Insurance Agencies
These agents can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. They are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They receive a lot of sales training on their company’s products which helps them sell on service rather than price.
Shown below is a list of exclusive insurance agents in Kansas City who can help you get rate quotes.
American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map
Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 – View Map
Picking the best insurance agent shouldn’t rely on just a cheap price quote. Get answers to these questions too.
- What is the agency’s Better Business Bureau rating?
- What insurance companies do they work with in Kansas City?
- How much training do they have in personal risk management?
- Which members of your family are coverage by the policy?
- When do they do policy reviews?
- Where are claims handled?
- Does the company allow you to choose your own collision repair facility?