The preferred way to get budget auto insurance rates in Kansas City is to regularly compare price quotes from companies that insure vehicles in Missouri.
- Try to learn about how your policy works and the measures you can take to drop your rates. Many factors that result in higher rates like at-fault accidents and poor credit rating can be improved by paying attention to minor details.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote rates from multiple insurance companies.
- Compare the new rates to the premium of your current policy to determine if you can save on HHR insurance in Kansas City. If you can save some money and switch companies, ensure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intent to cancel the current policy. Submit a down payment along with a completed application to the new company. Once the paperwork is finalized, put the certificate of insurance in a readily accessible location in your vehicle.
A tip to remember is to use identical deductibles and limits on every price quote and and to get price estimates from every insurance company. Doing this helps ensure a level playing field and many rates to choose from.
Everyone knows that auto insurance companies want to keep you from comparing prices. Drivers who perform rate comparisons will probably buy a different policy because of the good chance of getting low-cost coverage. A study discovered that people who faithfully checked for cheaper rates saved as much as $3,500 over four years as compared to drivers who never shopped around for lower prices.
If finding the lowest price on Chevy HHR insurance in Kansas City is why you’re here, learning how to find companies and compare insurance premiums can help you succeed in finding affordable rates.
Discount Kansas City auto insurance rates
Companies offering auto insurance don’t list their entire list of discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts you could be receiving when you buy Kansas City auto insurance online.
- Switch and Save Discount – Some companies reward drivers for signing up early. This discount can save up to 10%.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
- Waiver for an Accident – Not necessarily a discount, but some insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free before the accident.
- Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from Kansas City and don’t have a car can receive lower rates.
- Defensive Driver – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
- Federal Employees – Simply working for the federal government can save as much as 8% with some auto insurance companies.
- Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less compared to accident prone drivers.
We need to note that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The example below shows the comparison of Chevy HHR yearly insurance costs with and without discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.
A few popular companies and their offered discounts are detailed below.
- Farmers Insurance may offer discounts for bundle discounts, good student, teen driver, alternative fuel, and homeowner.
- Esurance offers discounts including defensive driver, multi-policy, homeowner, claim free, and online quote.
- State Farm may include discounts for good student, Drive Safe & Save, accident-free, driver’s education, and defensive driving training.
- GEICO discounts include emergency military deployment, multi-policy, federal employee, multi-vehicle, seat belt use, anti-lock brakes, and driver training.
- Allstate has discounts for auto/life discount, economy car, eSmart discount, 55 and retired, EZ pay plan discount, and anti-lock brakes.
When comparing rates, check with every insurance company which discounts can lower your rates. Discounts might not be available to policyholders in Kansas City. To view insurance companies with the best Chevy HHR insurance discounts in Kansas City, click here to view.
How to buy Chevy HHR insurance in Kansas City, Missouri
Most major insurance companies allow consumers to get coverage price quotes online. Doing online price comparisons for Chevy HHR insurance in Kansas City is pretty easy because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Behind the scenes, their rating system automatically orders credit information and your driving record and returns pricing information determined by many factors.
This makes it a lot easier to compare rates and it’s necessary to do this in order to find a lower rate.
To fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have coverage now, it’s recommended that you enter deductibles and limits as shown on your current policy. This helps ensure you will be getting a fair comparison for the exact same coverage.
The following companies offer free quotes in Missouri. If you want cheap car insurance in MO, we recommend you compare several of them to get a more complete price comparison.
Auto insurance data for a Chevy HHR
The price information shown below showcases estimates of insurance policy prices for Chevy HHR models. Learning more about how car insurance prices are determined can aid in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $250 | $406 | $272 | $16 | $82 | $1,026 | $86 |
| HHR LT | $250 | $406 | $272 | $16 | $82 | $1,026 | $86 |
| HHR SS | $280 | $550 | $272 | $16 | $82 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in vehicle garaging location which can revise coverage prices considerably.
Irresponsible driving raises your rates
The chart below illustrates how traffic citations and accident claims can impact Chevy HHR auto insurance rates for different age groups of insureds. The data is based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
You Can Change Your Insurance Rates
Consumers need to have an understanding of some of the factors that are used to determine your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could help you find much lower annual insurance costs.
Filing auto insurance claims can increase rates – Companies in Missouri provide cheaper rates to drivers who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Costs impacted by vehicle usage – The more you drive your Chevy in a year the higher your rates will be. Many insurance companies charge rates based upon how you use the vehicle. Vehicles that have low annual miles get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance policy is rated on annual mileage, because it can save money. Improper usage on your HHR is just wasting money.
Single drivers take more risk – Being married helps lower the price on your policy. Having a significant other means you’re less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.
Higher coverage deductibles lower prices – Insurance for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered would be colliding with a building, flood damage, and damage from a fallen tree branch. The deductibles define the amount you are required to pay before your auto insurance pays a claim. The more of the claim the insured has to pay upfront, the bigger discount you will receive.
Better premiums on safer cars – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and thus lower rates.
Shop online but buy locally
Some people just want to buy from a local agent and often times that is recommended One of the great benefits of comparing rates online is the fact that you can find lower rates and also buy local.
After completing this quick form, the coverage information is immediately sent to insurance agents in Kansas City that give free quotes for your business. It’s much easier because you don’t need to find an agent on your own as quotes are delivered immediately to your email address. You can most likely find cheaper rates without having to waste a lot of time. If you wish to compare prices from a specific insurance provider, don’t hesitate to go to their quote page and submit a quote form there.
Selecting a provider requires you to look at more than just the quoted price. Here are some questions you should ask.
- Can they provide you with a list of referrals?
- Will your rates increase after a single accident?
- Do they have a Better Business Bureau rating in Kansas City?
- Do they specialize in personal lines auto insurance in Kansas City?
- Are aftermarket or OEM parts used to repair vehicles?
- How are they compensated?
- Are there any extra charges for paying monthly?
Two types of auto insurance agents
If you are searching for a good insurance agency, it’s helpful to know the different types of agencies that you can select. Insurance agencies in Kansas City are considered either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as State Farm or Allstate. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive agents are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates. Consumers sometimes use the same exclusive agent mainly due to the brand name rather than low price.
Listed below are Kansas City exclusive agents who may provide you with comparison quotes.
- Andy Patton – State Farm Insurance Agent
5500 N Oak Trafficway #100 – Kansas City, MO 64118 – (816) 453-6220 – View Map - David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map - Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 – View Map
Independent Insurance Agents
These agents are not required to write business for one company so they can quote policies through many different insurance companies and get the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.
If you are comparing rate quotes, you need to get rate quotes from independent agents for maximum quote selection. A lot of them also have access to small regional insurance companies which may provide better rates.
Listed below are Kansas City independent agencies that can give you rate quotes.
- Safeway Insurance Agency
3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map
Insurance just makes sense
Despite the fact that insurance is not cheap in Kansas City, insurance may be required for several reasons.
- Just about all states have minimum liability requirements which means the state requires specific minimum amounts of liability in order to be legal. 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.
- If your Chevy has a lienholder, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher premium rate and require you to pay for the much more expensive policy.
- Insurance protects both your assets and your Chevy HHR. It will also cover hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays more than $810 a year so compare rates every year to ensure rates are competitive.
Be persistent to save money
Cheap Chevy HHR insurance in Kansas City can be sourced from both online companies as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not offer the ability to get a quote online and many times these regional insurance providers prefer to sell through independent insurance agents.
We just showed you some good ideas how to save on Chevy HHR insurance in Kansas City. It’s most important to understand that the more you quote Kansas City auto insurance, the better your chances of lowering your premium rates. You may even discover the most savings is with an unexpected company.
When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest cost while still protecting your assets.
Additional auto insurance information is located at the links below
- What is Full Coverage? (Allstate)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Kansas City? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)