It’s well known that car insurance companies want to keep you from comparing prices. Drivers who shop rates annually will probably buy a new policy because there is a great chance of finding a more affordable policy. A recent survey found that people who compared prices regularly saved over $860 a year as compared to drivers who never compared prices.
If finding the cheapest price for insurance is your ultimate goal, then having an understanding of how to compare insurance premiums can make it simple to find affordable coverage.
The easiest way to find affordable quotes for auto insurance rates is to compare quotes annually from insurance carriers who provide auto insurance in Kansas City. Rates can be compared by following these steps.
Step 1: Read about car insurance and the things you can change to prevent expensive coverage. Many policy risk factors that cause high rates such as traffic violations, accidents, and a lousy credit rating can be controlled by making small lifestyle or driving habit changes.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
Step 3: Compare the new quotes to your current policy premium and determine if there is any savings. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Give notification to your current company to cancel your existing policy. Submit a down payment along with a signed application to your new company or agent. Be sure to safely store the certificate of insurance in an accessible location in your vehicle.
One thing to point out is that you use the same physical damage deductibles and liability limits on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this enables a level playing field and a thorough price selection.
Locating the best rates in Kansas City is much easier if you know where to start. If you have a current insurance policy or are just looking to switch companies, you can learn to get lower rates while maintaining coverages. You just have to know the tricks to shop their coverage around from multiple carriers.
Low Cost companies for Chevy Silverado insurance in Missouri
The companies shown below are ready to provide free quotes in Kansas City, MO. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.
Chevy Silverado insurance statistics and information
The table below highlights different insurance costs for Chevy Silverado models. Knowing how car insurance prices are formulated can aid in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado LS Regular Cab 2WD | $180 | $286 | $302 | $18 | $90 | $876 | $73 |
| Silverado LS Regular Cab 4WD | $180 | $286 | $266 | $16 | $80 | $828 | $69 |
| Silverado LT Regular Cab 2WD | $206 | $346 | $302 | $18 | $90 | $962 | $80 |
| Silverado LT Regular Cab | $206 | $346 | $302 | $18 | $90 | $962 | $80 |
| Silverado LS Extended Cab 4WD | $206 | $346 | $266 | $16 | $80 | $914 | $76 |
| Silverado LT Extended Cab 4WD | $206 | $346 | $266 | $16 | $80 | $914 | $76 |
| Silverado LT Extended Cab 2WD | $206 | $346 | $302 | $18 | $90 | $962 | $80 |
| Silverado LS Extended Cab 2WD | $206 | $346 | $302 | $18 | $90 | $962 | $80 |
| Silverado LT Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Silverado LS Crew Cab 2WD | $232 | $408 | $302 | $18 | $90 | $1,050 | $88 |
| Silverado LS Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Silverado LT Crew Cab 2WD | $232 | $408 | $302 | $18 | $90 | $1,050 | $88 |
| Silverado LTZ Extended Cab 2WD | $232 | $408 | $302 | $18 | $90 | $1,050 | $88 |
| Silverado LTZ Extended Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Silverado LTZ Crew Cab 2WD | $232 | $408 | $302 | $18 | $90 | $1,050 | $88 |
| Silverado LTZ Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,002 | $84 |
| Silverado Crew Cab Hybrid 2WD | $232 | $470 | $266 | $16 | $80 | $1,064 | $89 |
| Silverado Crew Cab Hybrid 4WD | $258 | $470 | $266 | $16 | $80 | $1,090 | $91 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can raise or lower auto insurance rates substantially.
Rate difference between full and liability-only coverage
The example below visualizes the comparison of Chevy Silverado annual premium costs when comparing full coverage to state minimum liability only. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied.
When to drop full coverage
There is no specific rule for excluding comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Chevy Silverado replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your deductible. If premiums are more than $200 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where only buying liability is not a good plan. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
You may qualify for discounts for Chevy Silverado insurance in Kansas City
Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can help lower your rates. Some of these discounts will be visible at the time of quoting, but a few need to be manually applied prior to getting the savings.
- Telematics Discount – Insureds that choose to allow their insurance company to look at their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
- Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Kansas City car insurance quote.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy life insurance from them.
- Multiple Policy Discount – When you have multiple policies with the same insurance company you will save at least 10 to 15 percent or more.
- No Claim Discounts – Good drivers with no accidents can save substantially in comparison with drivers who are more careless.
- Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
Please keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you aren’t that lucky.
The information below shows the difference between Chevy Silverado insurance costs with and without policy discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.
To locate insurers that offer some of these discounts in Kansas City, click here to view.
Local Kansas City car insurance agents
Some consumers still like to have an agent’s advice and that is not a bad decision Experienced insurance agents can answer important questions and give you someone to call. A nice benefit of comparing rate quotes online is that you can find cheap rate quotes but also keep your business local.
To help locate an agent, after submitting this simple form, your insurance data is instantly submitted to agents in your area that can give you free Kansas City car insurance quotes for your coverage. You won’t need to search for an agent due to the fact that quote results will go instantly to you. In the event you want to quote rates from one company in particular, you can always navigate to their website and complete a quote there.
Selecting an insurer shouldn’t rely on just a cheap price. You should also get answers to these questions.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they specialize in personal lines coverage in Kansas City?
- Are they full-time agents?
- How long have they been in business?
- What are the financial ratings for the companies they represent?
- Will their companies depreciate repairs to your car based on the mileage?
Different types of Kansas City car insurance agents
When finding a local agent, you must know there are a couple different types of agents and how they are distinctly different. Insurance agencies in Kansas City may be either independent agents or exclusive agents. Both types of agents can provide car insurance policies, but it is important to understand the differences because it may have an impact on the kind of agent you use.
Exclusive Car Insurance Agencies
Exclusive agencies can only provide one company’s prices and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to place coverage with different providers so they have to upsell other benefits. They are well trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives primarily because of the prominent brand name rather than low rates.
Shown below are exclusive insurance agencies in Kansas City willing to provide price quotes.
- Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map - Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558 – View Map - American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
Independent Agents (or Brokers)
These agents often have affiliation with several companies so they have the ability to put coverage through many different car insurance companies and find the cheapest car insurance rates. If they find a lower price, the business is moved internally which requires no work on your part.
If you need lower rates, you will definitely want to get insurance quotes from a few independent agents for maximum quote selection. They often place coverage with mutual insurance companies that may provide cheaper car insurance rates.
Shown below is a short list of independent insurance agencies in Kansas City that are able to give price quotes.
- Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map - Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map - Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map
Auto insurance coverages 101
Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Chevy Silverado.
Due to the fact that many Missouri drivers have only the minimum liability required by law (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like crashing into a building, hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Silverado to get cheaper collision coverage.
Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property.
Liability can pay for things like pain and suffering, medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. Missouri state minimum liability requirements are 25/50/10 but you should consider buying better liability coverage.
The illustration below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, prosthetic devices, nursing services and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like falling objects, vandalism, damage from a tornado or hurricane, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Persistence is the key to cheaper rates
Consumers who switch companies do it for many reasons like extreme rates for teen drivers, denial of a claim, high rates after DUI convictions or poor customer service. Whatever your reason, switching auto insurance companies can be less work than you think.
As you quote Kansas City car insurance, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits and found out when filing a claim that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.
We just presented a lot of techniques to compare Chevy Silverado insurance rates in Kansas City. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies.
For more information, link through to the following helpful articles:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for College Students in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Honda Civic? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)