Trying to find more competitive Chevy Impala insurance in Kansas City? If you’re trying to find more affordable insurance online, are you overwhelmed by the dozens of car insurance companies available to you? Lot’s of other drivers are too. Missouri vehicle owners have so many choices that it can quickly become a challenge to find better car insurance rates for Chevy Impala insurance in Kansas City. If you live there, you know that Kansas City is a good city to live in, but expensive car insurance rates can make it difficult for lots of drivers to pay other bills every month.
Steps to buying low-cost Chevy Impala insurance in Kansas City
The easiest way to get low-cost Chevy Impala insurance in Kansas City is to compare prices regularly from providers who provide car insurance in Missouri. You can compare prices by completing these steps.
- Spend a few minutes and learn about car insurance and the measures you can take to prevent rate increases. Many factors that result in higher prices like traffic tickets, fender benders, and a poor credit rating can be controlled by being financially responsible and driving safely. Continue reading for ideas to help keep rates affordable and get additional discounts that may have been overlooked.
- Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple companies.
- Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you can save money and change companies, ensure there is no coverage lapse between policies.
The key thing to know about shopping around is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to compare as many companies as you can. Doing this enables the most accurate price comparison and the best price quote selection.
It’s safe to conclude that insurance companies want to keep you from comparing rates. Drivers who shop for lower rates are very likely to switch companies because of the good chance of finding discount prices. A study discovered that people who made a habit of comparing rate quotes saved approximately $3,500 over four years compared to those who never compared other company’s rates.
If finding budget-friendly insurance in Kansas City is the reason you’re reading this, then having a grasp of how to quote prices and compare insurance coverage can help you succeed in finding affordable rates.
It’s a good habit to get comparison quotes yearly because car insurance prices fluctuate regularly. Despite the fact that you may have had the best deal on Chevy Impala insurance in Kansas City at your last renewal you will most likely find a better premium rate today. Ignore everything you know about car insurance because you’re about to learn the easiest way to buy cheaper Chevy Impala insurance in Kansas City.
Locating the best rates in Kansas City is actually very simple if you learn how to start. If you have a current auto insurance policy, you will surely be able to get lower rates using the ideas you’re about to read. Although Missouri vehicle owners need to learn how companies determine how much to charge because rates are impacted by many factors.
To find cheaper rates, there are a couple of ways to get quotes from many available auto insurance companies in Missouri. One of the best ways to find affordable Chevy Impala insurance rates is to perform an online rate comparison.
Keep in mind that comparing more quotes gives you a better chance of getting more affordable insurance. Some regional insurers cannot provide Kansas City Impala insurance quotes online, so you need to compare quotes from those companies as well.
The auto insurance companies shown below can provide price comparisons in Missouri. To get cheap auto insurance in Missouri, we suggest you visit two to three different companies in order to find the most affordable rates.
Insurance is an important decision
Even though Kansas City Impala insurance rates can get expensive, buying insurance is mandatory in Missouri but it also protects more than you think.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability protection if you drive a vehicle. 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 bought your vehicle with a loan, most banks will require that you have insurance to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Chevy at an extremely high rate and force you to pay much more than you were paying before.
- Insurance protects both your vehicle and your assets. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If you have damage to your Chevy as the result of the weather or an accident, your policy will pay to have it repaired.
The benefits of having insurance are definitely more than the cost, especially with large liability claims. Today the average American driver overpays as much as $700 annually so it’s important to compare rates once a year at a minimum to make sure the price is not too high.
Chevy Impala insurance statistics and information
The rate table shown next highlights different coverage prices for Chevy Impala models. Having knowledge of how insurance policy rates are figured can help drivers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $132 | $258 | $274 | $16 | $82 | $762 | $64 |
| Impala LS | $132 | $258 | $274 | $16 | $82 | $762 | $64 |
| Impala LT | $152 | $258 | $274 | $16 | $82 | $782 | $65 |
| Impala LT | $152 | $258 | $274 | $16 | $82 | $782 | $65 |
| Impala LTZ | $152 | $304 | $274 | $16 | $82 | $828 | $69 |
| Impala LTZ | $152 | $304 | $274 | $16 | $82 | $828 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can alter price quotes significantly.
Policy deductibles
One frequently asked question is what deductibles to buy. The following tables show the costs and benefits when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $180 | $346 | $266 | $16 | $80 | $913 | $76 |
| Impala LS | $180 | $346 | $266 | $16 | $80 | $913 | $76 |
| Impala LT | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| Impala LT | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| Impala LTZ | $206 | $408 | $266 | $16 | $80 | $1,001 | $83 |
| Impala LTZ | $206 | $408 | $266 | $16 | $80 | $1,001 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $110 | $218 | $266 | $16 | $80 | $690 | $58 |
| Impala LS | $110 | $218 | $266 | $16 | $80 | $690 | $58 |
| Impala LT | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Impala LT | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Impala LTZ | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| Impala LTZ | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific location which can modify auto insurance rates significantly.
We can estimate from the data above that using a $250 deductible costs roughly $19 more each month or $228 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 39 months between claim filings, you would probably be better off by selecting a higher deductible.
How much more does full coverage cost?
The chart below illustrates the difference between Chevy Impala auto insurance rates with and without full coverage. The premiums are based on no claims or driving citations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive formula for excluding comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Chevy Impala settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Kansas City insurance discounts for a Chevy Impala
Companies don’t necessarily list all available discounts very well, so the below list has a few of the more well known and the harder-to-find ways to save on car insurance.
- Data Collection Discounts – Insureds who allow driving data submission to scrutinize where and when they drive by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
- Kansas City Homeowners Discount – Owning a house in Kansas City can save a few bucks since owning and maintaining a home demonstrates responsibility.
- Good Student – Being a good student may save you up to 25%. You can use this discount normally up to age 25.
- Bundle and Save – If you have multiple policies with the same company you will save approximately 10% to 15%.
- Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off with some car insurance companies.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Paperless Signup – A few insurance companies will discount your bill up to fifty bucks get Kansas City car insurance on the web.
- Senior Discount – Drivers over the age of 55 are able to get a small decrease in premiums.
- Anti-theft System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your Kansas City car insurance quote.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
As a disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Chevy Impala insurance prices with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents or driving violations, Missouri state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.
A few of the larger companies and the discounts they provide are shown below.
- American Family offers premium reductions for accident-free, mySafetyValet, good driver, TimeAway discount, Steer into Savings, bundled insurance, and defensive driver.
- State Farm has discounts for multiple autos, good driver, driver’s education, accident-free, multiple policy, and anti-theft.
- 21st Century may offer discounts for defensive driver, student driver, homeowners, theft prevention, and 55 and older.
- Travelers may include discounts for multi-car, IntelliDrive, payment discounts, new car, home ownership, and student away at school.
- GEICO offers discounts for federal employee, driver training, seat belt use, good student, emergency military deployment, military active duty, and air bags.
Double check with every company how you can save money. Some discounts may not be offered in Kansas City.
Insurance quotes from local Kansas City insurance agents
Many drivers would prefer to have an agent’s advice and we recommend doing that One of the benefits of comparing insurance prices online is the fact that you can find lower rates and still have a local agent.
After filling out this simple form, your insurance data is sent to participating agents in Kansas City who will gladly provide quotes to get your business. You won’t even need to contact an agency due to the fact that quote results will go directly to you. You can find lower rates AND an agent nearby. If for some reason you want to compare rates for a specific company, feel free to go to their quote page and give them your coverage information.
Choosing the best company shouldn’t rely on just the quoted price. These questions are important to ask:
- How would your car be valued if totaled?
- Will they make sure you get an adequate claim settlement?
- Is the agent properly licensed in Missouri?
- Will the agent help in case of a claim?
- Do they offer rental car reimbursement?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you’re trying to find a good Kansas City insurance agent, you must know there are a couple different agency structures and how they function. Insurance agencies in Kansas City are categorized either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Exclusive agents can only provide pricing for a single company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. They are well schooled on what they offer which helps them sell on service rather than price. Many people use the same agent primarily because of high brand loyalty and solid financial strength.
The following is a list of exclusive agencies in Kansas City that can give you rate quotes.
- American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map - Farmers Insurance – Tim Presko
7817 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-6000 – View Map - Jesse Valenciano State Farm®
7932 N Oak Trafficway #208 – Kansas City, MO 64118 – (816) 436-3004 – View Map
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company so they can quote policies with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, you will definitely want to compare quotes from a few independent agents in order to compare the most rates. Most independent agents also contract with small regional insurance companies that many times have cheaper rates.
The following is a list of independent agencies in Kansas City who can help you get price quote information.
- Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map
Once you have answers to your satisfaction to your questions as well as offering an affordable quote, it’s a good possibility that you have found an auto insurance agent that can be relied on to properly service your insurance policy.
Don’t assume everyone needs the same insurance coverage
When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions may help highlight if you might need professional guidance.
- Do I need motorclub coverage?
- What is glass protection for?
- Do they offer discounts for home and auto coverage?
- Why are teen drivers so expensive to add on to my policy?
- What are the best liability limits?
- Does my medical payments coverage pay my health insurance deductible?
- Should I buy more coverage than the required Missouri minimum liability coverage?
- Should I get collision insurance on every vehicle?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Compare but don’t skimp
People who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, poor customer service or even delays in paying claims. Whatever your reason, choosing a new company can be less work than you think.
You just learned a lot of ways to find affordable Chevy Impala insurance in Kansas City. The key thing to remember is the more times you quote, the better likelihood of getting low cost Kansas City car insurance quotes. You may even find the lowest premium rates come from a smaller regional carrier.
Budget-friendly auto insurance in Kansas City can be purchased from both online companies and from local agencies, so you need to quote Kansas City car insurance with both to have the best rate selection. Some companies do not offer internet price quotes and these regional insurance providers provide coverage only through independent insurance agents.
How to buy cheaper Chevy Impala insurance in Kansas City
The best way we recommend to find cheaper prices for Chevy Impala insurance in Kansas City is to compare prices annually from companies who can sell car insurance in Missouri.
Step 1: Spend some time learning about how your policy works and the measures you can take to lower rates. Many rating criteria that are responsible for high rates like traffic violations, accidents, and a not-so-good credit history can be improved by paying attention to minor details.
Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes from many different companies.
Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate in Kansas City. If you can save money and make a switch, make sure there is no lapse in coverage.
Step 4: Provide written notification to your current company of your intention to cancel the current policy. Submit a completed application and payment for the new coverage. Immediately upon receiving it, place the new proof of insurance paperwork somewhere easily accessible.
A key point to remember is to compare the same amount of coverage on each quote request and and to compare as many different insurance providers as possible. This enables a fair rate comparison and a complete price analysis.
Other learning opportunities
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable Auto Insurance for Teenage Females in Kansas City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)