Finding cheaper premium rates for Pontiac GTO insurance in Kansas City could be frustrating for people not familiar with online rate comparisons. With such a large choice of companies in the marketplace, it can easily turn into a real difficult job to compare prices in Missouri on Pontiac GTO insurance.
It’s hard to believe, but most auto insurance buyers in Missouri have bought auto insurance from the same company for a minimum of four years, and nearly the majority have never shopped around. U.S. drivers can save roughly $850 each year, but they just feel it’s too hard to shop around.
Low Cost Pontiac insurance rates in Kansas City
The providers in the list below have been selected to offer comparison quotes in Kansas City, MO. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.
Take policy discounts and save on Pontiac GTO insurance in Kansas City
Car insurance is not cheap, but you may find discounts that you may not even know about. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to receiving the credit.
- College Student Discount – Youth drivers living away from Kansas City attending college and leave their car at home could qualify for this discount.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
- Clubs and Organizations – Being a member of certain professional organizations can get you a small discount on car insurance.
- Accident Forgiveness Coverage – Not really a discount, but companies like Progressive, Allstate, and GEICO will forgive one accident before your rates go up so long as you are claim-free prior to the accident.
- Data Collection Discounts – Insureds who allow driving data submission to look at their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
- Defensive Driver Discount – Taking time to complete a course in defensive driving could save 5% or more and easily recoup the cost of the course.
While discounts sound great, it’s important to understand that most credits do not apply to the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.
Some companies that possibly offer many of the previously listed discounts may include but are not limited to:
When comparing rates, check with each insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in Kansas City. To find insurers with discount rates in Missouri, follow this link.
Auto insurance quotes from local neighborhood Kansas City car insurance agents
A lot of people still like to get professional advice from a licensed agent and there is nothing wrong with that. A nice benefit of comparing auto insurance online is the fact that drivers can get lower rates and also buy local. And supporting local agents is important especially in Kansas City.
After completing this form (opens in new window), your information is emailed to agents in your area who can give free rate quotes for your coverage. You won’t even need to search for any insurance agencies since price quotes are sent to you. You can find better rates and work with a local agent. If you have a need to compare prices from a specific auto insurance provider, you can always jump over to their website and complete a quote there.
Kansas City car insurance agents come in two flavors
If you’re trying to find a reliable agent, you need to know there are two different types of agents and how they operate. Kansas City agents are classified as either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agencies or Brokers
Independent insurance agents often have many company appointments so as a result can place your coverage with an assortment of companies and get the cheapest rates. If they find a cheaper price, they simply move the coverage in-house and you don’t have to do anything. When comparing rates, you should always compare prices from several independent insurance agents to maximize your price options. A lot of them also have access to additional companies that you may not be familiar with that may provide cheaper auto insurance rates.
Shown below is a partial list of independent agencies in Kansas City who can help you get price quote information.
- Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map - Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map - SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map
Exclusive Auto Insurance Agents
These agents can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so keep that in mind. Exclusive insurance agents are usually well trained on their products and sales techniques which helps them sell insurance even at higher premiums. Drivers often use the same agent mainly due to the brand legacy and strong financial ratings.
Shown below are exclusive agents in Kansas City willing to provide price quote information.
- American Family Insurance – Gary Woods Agency Inc.
7211 NW 83 St Ste 140 – Kansas City, MO 64152 – (816) 587-8033 – View Map - American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779 – View Map - Tim Dugan – State Farm Insurance Agent
6453 N Cosby Ave – Kansas City, MO 64151 – (816) 746-1300 – View Map
Picking the best car insurance agent shouldn’t rely on just the premium amount. Any agent in Kansas City should be willing to answer these questions.
- Does the agency support the community they serve?
- Do they have designations such as AIC, CPCU, or CIC?
- Is every driver in your family covered?
- Do they see any coverage gaps in your plan?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
What is the best car insurance company in Kansas City?
Finding the right auto insurance company can be rather challenging considering how many choices drivers have in Missouri. The rank data in the lists below may help you analyze which coverage providers you want to consider shopping prices with.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
More quotes mean more insurance savings
Cheaper Pontiac GTO insurance in Kansas City is possible on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer rates over the internet and many times these small insurance companies prefer to sell through independent agents.
Insureds change insurance companies for a variety of reasons including questionable increases in premium, lack of trust in their agent, delays in paying claims or extreme rates for teen drivers. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.
As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits and discovered at claim time that it was a big mistake. The aim is to buy enough coverage at an affordable rate, but do not skimp to save money.
How to find discount Pontiac GTO insurance in Kansas City
The best way to get cheaper Pontiac GTO insurance in Kansas City is to do a yearly price comparison from different companies who provide auto insurance in Missouri. Drivers can shop around by following these steps.
Step 1: Get an understanding of coverages and the factors you can control to keep rates down. Many things that result in higher prices such as getting speeding tickets and a low credit score can be rectified by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can quote prices from multiple companies. Get quotes now
Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.
Step 4: Provide written notification to your current company to cancel the current policy and submit a down payment and signed policy application to your new insurance company. As soon as you can, safely store the certificate verifying proof of insurance along with the vehicle’s registration papers.
An important bit of advice to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get rates from as many different companies as possible. This enables an accurate price comparison and a complete rate analysis.
More tips and info about insurance can be read in the articles below:
- Frontal Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for Safe Drivers in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in Kansas City? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)
- Prepare your Teens for Safe Driving (InsureUonline.org)