If your goal is the lowest price, then the best way to find affordable car insurance rates is to begin comparing prices regularly from providers in Kansas City.
- First, try to comprehend policy coverages and the things you can control to lower rates. Many rating criteria that cause rate increases such as distracted driving and an unacceptable credit rating can be improved by making lifestyle changes or driving safer. Keep reading for more ideas to help prevent expensive coverage and find additional discounts you may qualify for.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can quote rates for a wide range of companies.
- Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a better price and change companies, make sure coverage does not lapse between policies.
- Fourth, give notification to your current company of your decision to cancel the current policy and submit the signed application along with the required initial payment to your new company or agent. Once received, place the new proof of insurance paperwork with the vehicle registration.
One tip to remember is that you use identical coverages on every price quote and and to get price quotes from every company you can. Doing this ensures a fair price comparison and the best price quote selection.
It’s easy to assume that car insurance companies don’t want you to look at other companies. Drivers who shop for lower prices are very likely to move their business because there is a great chance of finding coverage at a more affordable price. A study discovered that drivers who compared rates annually saved as much as $3,450 over four years compared to other drivers who never shopped around.
If finding the lowest price on auto insurance is your ultimate objective, then learning a little about how to find and compare coverages can help you be more efficient.
Low Cost companies for Honda Fit insurance in Missouri
The auto insurance companies shown below can provide free quotes in Kansas City, MO. If you wish to find the best cheap auto insurance in Kansas City, we suggest you click on several of them to get a more complete price comparison.
Data for Honda Fit insurance
The coverage table below showcases estimates of coverage prices for Honda Fit models. Learning a little about how rate quotes are figured can aid in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $182 | $380 | $182 | $10 | $54 | $808 | $67 |
| Fit Sport | $208 | $380 | $182 | $10 | $54 | $834 | $70 |
| Fit Sport VSA | $208 | $448 | $182 | $10 | $54 | $902 | $75 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can increase or decrease insurance rates significantly.
Where to set your deductibles
When comparing auto insurance rates, the most common question is what deductibles to buy. The tables below approximate the rate fluctuation between low and high comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $180 | $346 | $176 | $10 | $52 | $789 | $66 |
| Fit Sport | $206 | $346 | $176 | $10 | $52 | $815 | $68 |
| Fit Sport VSA | $206 | $408 | $176 | $10 | $52 | $877 | $73 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $110 | $218 | $176 | $10 | $52 | $566 | $47 |
| Fit Sport | $128 | $218 | $176 | $10 | $52 | $584 | $49 |
| Fit Sport VSA | $128 | $258 | $176 | $10 | $52 | $624 | $52 |
| Get Your Own Custom Quote Go | |||||||
Data 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, homeowner, and claim-free. Information does not factor in specific garaging location which can influence auto insurance rates significantly.
Based on the figures above, using a $250 deductible costs about $20 more each month or $240 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 38 months between claim filings, you would come out ahead if you opt for a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $69 |
| Average monthly premium for $1,000 deductibles (subtract): | – $49 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 38 months |
One thing to note is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. That will require enough money put aside in the event you need to pay the deductible.
Rate comparison of male drivers versus female drivers
The example below illustrates the difference between Honda Fit insurance premiums for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.
Smart Buyers Save Money
Many things are used when premium rates are determined. Some factors are common sense like your driving record, but some are less apparent like your vehicle usage or your commute time. When buying auto insurance it’s important to understand some of the things that help calculate the level of your policy premiums. If you understand what determines premiums, this allows you to make good choices that will entitle you to cheaper rates.
- Married drivers get better prices – Getting married can actually save you money on auto insurance. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
- Rural vs Urban Areas – Residing in a rural area can be a good thing when talking about auto insurance. Less people means reduced accidents in addition to lower liability claims. People in densely populated areas have to deal with more traffic problems and longer commutes to work. More time behind the wheel means more chances of being involved in an auto accident.
- Raise physical damage deductibles and save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. A few examples of covered claims could be a broken side mirror, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay in the event of a claim. The more you pay before a claim is paid (deductible), the less your auto insurance will be.
- Incidental coverages that aren’t used – There are a lot of extra coverages that can add up if you aren’t diligent. Coverage for things like rental car reimbursement, towing, and membership fees are probably not needed. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
- Liability safeguards assets – The liability coverage on your policy is the protection if a court rules you are at fault for an accident. It will provide you with a defense in court to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so do not cut corners here.
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Insurance loss data for a Honda Fit – Insurance companies use historical loss data when setting rates for each model. Vehicles that tend to have higher frequency or amount of claims will have higher rates.
The table below outlines the loss history for Honda Fit vehicles. For each coverage type, the claim amount for all vehicles, as a total average, is equal to 100. Percentages below 100 indicate a favorable loss history, while percentage values above 100 point to more losses or a tendency for claims to be larger.
Honda Fit Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Fit 89 78 90 99 97 92 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable Honda Fit insurance quotes in Kansas City
Some providers don’t always advertise every policy discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known credits that you can use to lower your rates. If they aren’t giving you every credit you deserve, you may be paying too high a price.
- Include Life Insurance and Save – Larger insurance carriers have a lower insurance rate if you buy a life policy as well.
- Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you will save nearly 15% which can help you find the cheapest Honda Fit insurance in Kansas City.
- Low Miles Discount – Low mileage vehicles can qualify you for lower prices on the low mileage vehicles.
- Government Employees – Being employed by or retired from a federal job could provide a small rate reduction with a few insurance companies.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
Discounts lower rates, but many deductions do not apply to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.
The example below illustrates the difference between Honda Fit insurance premiums with and without discounts applied to the rates. Data assumes a female driver, a clean driving record, no claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.
Large insurance companies and the discounts they provide are outlined below.
- Progressive offers discounts including good student, online quote discount, online signing, multi-policy, and homeowner.
- GEICO has discounts for daytime running lights, multi-policy, membership and employees, seat belt use, federal employee, driver training, and anti-lock brakes.
- State Farm may include discounts for good student, defensive driving training, driver’s education, good driver, multiple autos, and student away at school.
- Esurance includes discounts for DriveSense, Pac-12 alumni, homeowner, emergency road assistance, renters, anti-theft, and online shopper.
- The Hartford offers premium reductions for good student, bundle, defensive driver, driver training, and anti-theft.
If you are trying to find low cost Kansas City auto insurance quotes, ask every company which discounts they offer. Depending on the company, some discounts may not apply to policies in Kansas City. For a list of insurance companies that can offer you the previously mentioned discounts in Kansas City, follow this link.
When should I contact an insurance agency?
Some people still prefer to go talk to an agent and that is not a bad decision Most agents can help you build your policy and help submit paperwork. The best thing about getting free rate quotes online is the fact that drivers can get the lowest rates but still work with a licensed agent.
Upon completion of this quick form, the coverage information gets sent to participating agents in Kansas City that give free quotes for your business. You won’t need to leave your computer since rate quotes are delivered to your email. If you have a need to get a comparison quote from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.
Deciding on an provider requires more thought than just a cheap price. These are valid questions to ask:
- Are they able to provide referrals?
- Does the agency provide any after hours assistance?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What are their preferred companies if they are an independent agency?
- Does the agent have a valid license to sell insurance in Missouri?
- Does the agency have a positive business rating?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do you need full coverage on every vehicle?
If you are wanting to find a good insurance agency, there are two different types of agencies and how they are distinctly different. Insurance agencies are either independent agents or exclusive agents. Either one can properly insure your vehicles, but it’s important to know how they differ since it can affect which agent you choose.
Exclusive Insurance Agents
Agents that choose to be exclusive can usually just insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents mostly because of the prominence of the brand rather than low price.
Below is a list of exclusive insurance agencies in Kansas City willing to provide price quote information.
- American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map - Andy Patton – State Farm Insurance Agent
5500 N Oak Trafficway #100 – Kansas City, MO 64118 – (816) 453-6220 – View Map - State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700 – View Map
Independent Agencies or Brokers
Independent agents can sell policies from many different companies so as a result can place your coverage with lots of companies and find the cheapest rate. If prices rise, they can switch companies in-house which requires no work on your part. If you are trying to find cheaper rates, you definitely need to get quotes from several independent insurance agents in order to have the best price comparison. Many write coverage with small mutual carriers which could offer lower prices.
The following is a list of independent agencies in Kansas City that can give you comparison quotes.
- 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 - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map
Special considerations
When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.
These are some specific questions could help you determine whether you might need an agent’s assistance.
- What if I don’t agree with a claim settlement offer?
- At what point should I drop full coverage?
- Does my policy cover me when driving someone else’s vehicle?
- Does my insurance cover a custom paint job?
- If my car is totaled with they pay enough to replace it?
- How many claims can I have before being canceled?
- Are rock chip repairs covered?
- What does UM/UIM cover?
- Should I get collision insurance on every vehicle?
- When would I need additional glass coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
A conclusion for your car insurance search
Discount Honda Fit insurance in Kansas City can be found from both online companies as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and usually these regional carriers work with independent insurance agents.
We’ve covered a lot of tips how to reduce Honda Fit insurance premium rates online in Kansas City. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheaper Kansas City auto insurance quotes. Drivers may even discover the best price on car insurance is with the smaller companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
More information
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Auto Insurance for Retired Military in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance for Ride Shares? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)