The most effective way to find cheaper car insurance rates in Kansas City is to start comparing prices yearly from providers who sell auto insurance in Missouri. Rates can be compared by following these guidelines.
- Learn about how your policy works and the things you can control to keep rates down. Many things that are responsible for high rates like traffic violations, accidents, and a not-so-good credit rating can be eliminated by making minor changes in your lifestyle.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from many different companies.
- Compare the new quotes to your existing rates to determine if switching companies saves money. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
- Provide notification to your current company of your intention to cancel your current auto insurance policy and submit a signed application and payment to your new carrier. Once coverage is bound, store the proof of insurance certificate in a readily accessible location in your vehicle.
One key aspect when comparing rates is to use the same liability limits and deductibles on each price quote and and to get prices from as many carriers as you can. Doing this provides an apples-to-apples comparison and and a good selection of different prices.
A recent NerdWallet.com study revealed that most Missouri auto insurance customers have remained with the same auto insurance company for at least the last four years, and 38% of drivers have never compared rates from other carriers. Most drivers in America could pocket as much as $859 a year just by comparing rates, but they just don’t understand how easy it is to compare other rate quotes.
If you have insurance now or need a new policy, you can follow these tips to get lower rates and possibly find even better coverage. This article’s intent is to help educate you on the best way to quote coverages and some tricks to saving. Comparison shoppers just have to know the quickest method to shop for auto insurance from many companies at once.
Most companies make it easy to get coverage price quotes direct online. Doing online price comparisons for Infiniti M35 insurance in Kansas City doesn’t take much effort because you just enter your coverage information as detailed in the form. After you complete the form, their system obtains your credit score and driving record and gives you a price quote determined by many factors.
Getting online rate quotes for Infiniti M35 insurance in Kansas City helps simplify price comparisons, and it is important to perform this step if you want to find cheap prices.
To quickly compare pricing, check out the car insurance providers below. If you have a policy now, it’s recommended you replicate the limits and deductibles identical to your current policy. This ensures you will get rate comparison quotes based on identical coverages.
The following companies are our best choices to provide quotes in Kansas City, MO. If you wish to find the best auto insurance in MO, we recommend you compare several of them to get a more complete price comparison.
Three reasons to insure your vehicle
Despite the high cost of buying insurance for a Infiniti M35 in Kansas City, insuring your vehicle is required in Missouri but also provides important benefits.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to get the vehicle licensed. 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 you have a lien on your M35, more than likely the lender will stipulate that you have insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Infiniti at a much higher premium rate and require you to pay much more than you were paying before.
- Auto insurance preserves both your assets and your vehicle. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Infiniti as the result of the weather or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays more than $810 a year so you should quote rates every year to ensure rates are competitive.
Rates and information analytics
The information shown below showcases detailed analysis of insurance coverage prices for Infiniti M35 models. Learning more about how policy rates are calculated can be of help when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M35 X AWD 4-Dr | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| M35 4-Dr Sedan | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in garaging location in Kansas City which can revise coverage prices greatly.
Choosing deductibles
One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The premium rates below can help illustrate the premium difference when you buy lower versus higher coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M35 X AWD 4-Dr | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| M35 4-Dr Sedan | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M35 X AWD 4-Dr | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| M35 4-Dr Sedan | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in your specific Kansas City location which can influence premium rates greatly.
Based on the figures above, using a $250 deductible costs approximately $15 more each month or $180 each year averaged for all M35 models than requesting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claims, you would probably come out ahead if you elect the higher deductible.
The illustration below illustrates how your deductible choice and can influence Infiniti M35 insurance rates for different age categories. The price estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
These discounts can cut Infiniti M35 insurance rates
Insurance can be prohibitively expensive, but you might already qualify for some discounts that can drop the cost substantially. Many discounts should be triggered at quote time, but once in a while a discount must be specifically requested prior to getting the savings.
- Employee of Federal Government – Federal government employees could cut as much as 10% off depending on your company.
- Membership in Organizations – Being a member of a civic or occupational organization in Kansas City could earn you a nice discount on auto insurance.
- Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
- Buy New and Save – Buying a new car model can save you some money compared to insuring an older model.
- Sign Online – Certain companies provide a small discount shop Kansas City car insurance on your computer.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with one company can get a discount for every vehicle.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 20 to 30 percent.
- Kansas City Homeowners Discount – Being a homeowner can help you save on auto insurance because maintaining a house is proof that your finances are in order.
- Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques could possibly earn you a 5% discount if you qualify.
- Low Mileage Discounts – Maintaining low annual mileage can earn discounted auto insurance rates on garaged vehicles.
A quick disclaimer, most credits do not apply to the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.
The diagram below compares Infiniti M35 insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, marriage, and safe-driver discounts applied.
Auto insurance companies that may have these benefits may include but are not limited to:
If you need lower rates, check with all companies you are considering how many discounts you can get. Discounts may not apply in Kansas City. To see auto insurance companies that provide some of the discounts listed above in Kansas City, click here.
Local Kansas City insurance agents
Some people still like to get advice from a local agent and doing so can bring peace of mind Professional insurance agents are very good at helping people manage risk and help submit paperwork. An additional benefit of comparing car insurance online is you can get the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to local insurance agents that give free quotes for your business. You never need to contact an agency due to the fact that quote results will go immediately to your email address. If you want to compare prices from a specific car insurance provider, just search and find their rate quote page and submit a quote form there.
Finding the right insurance company requires more thought than just a cheap price quote. The following questions are important to ask.
- Does the company use OEM repair parts?
- How many years of experience in personal auto insurance do they have?
- Do they offer accident forgiveness?
- Will the quote change when the policy is issued?
- Can you get a list of referrals?
If you are wanting to purchase car insurance from a local agent, there are a couple of types of insurance agents that you can select. Car insurance agents in Kansas City are categorized either independent (non-exclusive) or exclusive. Both types can sell affordable car insurance policies, but it’s a good idea to understand the difference between them since it can affect the kind of agent you use.
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company and examples are AAA, Allstate, and State Farm. They generally cannot provide rate quotes from other companies so keep that in mind. Exclusive agencies receive a lot of sales training in insurance sales and that can be a competitive advantage. Drivers often buy from the same agent for years mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.
Shown below are exclusive insurance agencies in Kansas City who can help you get comparison quotes.
- American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779 – View Map - American Family Insurance – Tony Osborn
6510 N Oak Trafficway – Kansas City, MO 64118 – (816) 454-6555 – View Map - American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603 – View Map
Independent Agencies or Brokers
Independent agents are appointed with more than one company so they can quote policies with any number of different companies and get the cheapest rates. If prices rise, your agent can just switch to a different company which is easy for the insured.
If you are comparing rate quotes, it’s recommended you include several independent agencies to ensure the widest selection of prices. Most independent agents also contract with different regional companies which could offer lower prices.
Below are independent insurance agents in Kansas City who can help you get rate quotes.
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map - Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
Insurance agents can help
When choosing a policy, there really is no “perfect” insurance plan. Your financial needs are unique so your insurance should reflect that
Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.
- Is water damage covered by my policy?
- Does my Infiniti M35 qualify for pleasure use?
- Am I covered if I hit someone who is not insured?
- Where can I find DUI or SR-22 insurance?
- Am I insured when driving a different vehicle?
- When should I not buy collision coverage?
- What is the difference between personal and commercial auto insurance policies?
- Can I still get insurance after a DUI?
- Should I carry comprehensive and collision coverage?
- Is a fancy paint job covered?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Shop around and save
When you buy Kansas City car insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best cost and still be able to protect your assets.
Cheaper auto insurance in Kansas City is available both online as well as from independent agents in Kansas City, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and usually these small insurance companies provide coverage only through independent agencies.
Additional detailed information is available at these sites:
- Airbag FAQ (iihs.org)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- Who Has the Cheapest Auto Insurance for a Subaru Impreza in Kansas City? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)
- Rental Reimbursement Coverage (Allstate)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)