Do you want a faster way to compare the cheapest Mitsubishi Endeavor insurance in Kansas City? Trying to come up with a payment for overpriced insurance can overdraw your bank account and make it tough to pay other bills. Comparing rate quotes can be a smart way to reduce premiums and put more money in your pocket.
A recent NerdWallet.com study revealed that over 70% of consumers kept their policy with the same company for at least four years, and almost half have never compared insurance rates at all. The average driver in Missouri could save $320 a year just by shopping around, but they just don’t understand how much savings they would realize if they moved their coverage to a different company.
With so many online and local companies to choose from, it is hard for the average consumer to pick the most affordable insurer.
It is always a good idea to quote other rates before your policy renews because insurance rates tend to go up over time. Just because you had the best rate on Mitsubishi Endeavor insurance in Kansas City a couple years back there is a good chance you can find better prices now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.
The Mitsubishi Endeavor Insurance Premium Equation
Part of the car insurance buying process is learning the factors that help calculate the level of your policy premiums. If you have a feel for what determines premiums, this enables informed choices that can help you get lower premium levels.
Shown below are some of the factors utilized by car insurance companies to help set premiums.
Gender and car insurance premiums – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better at driving than males. They both cause auto accidents at about the same rate, but the men tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations such as reckless driving.
The illustration below compares Mitsubishi Endeavor insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Costs go up with performance – The performance level of the car or truck you are trying to find cheaper insurance for makes a substantial difference in your rates. The lowest premiums tend to be for small economy passenger cars, but the cost you end up paying is determined by many additional factors.
The following chart uses these variables: married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Mitsubishi Endeavor insurance rates compared to other models that have different risk factors.
If you don’t need it don’t buy it – Insurance companies have many extra bells and whistles that sound like a good idea at the time on your car insurance policy. Add-on coverages like coverage for rental cars, towing, and extra equipment coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
Annual mileage impacts costs – Driving more miles in a year the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage can be on a lower rate level than those used for commuting. Verify your car insurance declarations sheet is showing the correct usage for each vehicle. Having an incorrect usage rating on your Endeavor may be wasting your money.
Most of the larger companies allow consumers to get price estimates on their websites. Getting quotes for Mitsubishi Endeavor insurance in Kansas City is possible for anyone because you just enter your coverage information into the quote form. When the form is submitted, the company’s rating system automatically orders your driving and credit reports and returns a price based on many factors. This helps simplify price comparisons, and it’s also necessary to do this in order to get a better rate.
If you want to fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. This makes sure you’re receiving a rate comparison based on similar coverages.
The car insurance companies shown below are our best choices to provide comparison quotes in Missouri. If you want to find cheap auto insurance in Kansas City, MO, it’s a good idea that you visit as many as you can to get the most affordable price.
Data for Mitsubishi Endeavor insurance
The premium table shown next showcases different prices for Mitsubishi Endeavor models. Having a good understanding how rates are established can help customers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $110 | $224 | $302 | $18 | $90 | $744 | $62 |
| Endeavor LS AWD | $110 | $224 | $302 | $18 | $90 | $744 | $62 |
| Endeavor SE 2WD | $110 | $224 | $302 | $18 | $90 | $744 | $62 |
| Endeavor SE AWD | $124 | $224 | $302 | $18 | $90 | $758 | $63 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in Kansas City location which can impact rates noticeably.
Insurance deductibles
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The rates shown below show the price difference between low and high physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Endeavor LS AWD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Endeavor SE 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Endeavor SE AWD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Endeavor LS AWD | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Endeavor SE 2WD | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Endeavor SE AWD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| 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 homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can modify coverage rates greatly.
Based on the figures above, using a $100 deductible will cost in the ballpark of $19 more each month or $228 for a full year averaged for all Endeavor models than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 21 months between claims, you would save more money if you elect the higher deductible. Here is the way this determination is made.
| Average monthly premium for $100 deductibles: | $87 |
| Average monthly premium for $500 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important caveat is that raising deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will force you to have some savings in the bank in the event you have to pay the deductible.
Do you need full coverage?
The diagram below illustrates the comparison of Mitsubishi Endeavor car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The price estimates are based on no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Mitsubishi Endeavor replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after you pay the deductible. If it’s costing in excess of $300 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Three reasons to not skimp on insurance
Even though it’s not necessarily cheap to insure a Mitsubishi in Kansas City, insuring your vehicle is most likely required but also gives you several important benefits.
- Just about all states have minimum liability requirements which means state laws require a specific level of liability insurance coverage in order to be legal. 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 took out a loan on your Mitsubishi Endeavor, it’s most likely the lender will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may have to buy a policy to insure your Mitsubishi at a significantly higher premium and force you to pay a much higher amount than you were paying before.
- Insurance protects not only your Mitsubishi Endeavor but also your assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance will also pay attorney fees in the event you are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so it’s recommended you shop around at every renewal to make sure the price is not too high.
Cheaper rates with these premium slashing discounts
Some insurers don’t always publicize all discounts in an easy-to-find place, so the list below details a few of the more common and the more hidden credits available to lower your premiums when you buy Kansas City auto insurance online.
- Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction with certain companies.
- First Accident Forgiveness – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Student Discounts – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
- Save over 55 – Seniors could receive a discount up to 10%.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- Life Insurance – Select companies reward you with better auto insurance rates if you take out life insurance from them.
- Drivers Education – Teen drivers should enroll in driver’s education if it’s offered in school.
- E-sign Discounts – A few larger online companies will give a small break just for signing your application on the internet.
- Own a Home – Just being a homeowner can help you save on auto insurance because it requires a higher level of personal finance.
It’s important to note that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.
The illustration below illustrates the difference between Mitsubishi Endeavor premium costs with and without some available policy discounts. The costs are based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.
To find companies that offer some of these discounts in Missouri, follow this link.
Compare rates but work with a local neighborhood Kansas City car insurance agent
Some consumers prefer to talk to an insurance agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is you may find cheap rate quotes and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is still important in Kansas City.
To make it easy to find an agent, after completing this form (opens in new window), your information is sent to local insurance agents in Kansas City that provide free Kansas City auto insurance quotes for your auto insurance coverage. You never need to do any legwork since price quotes are sent to the email address you provide. Get lower rates without requiring a lot of work. If you have a need to quote rates for a specific company, you can always find their quoting web page and fill out the quote form the provide.
Pick the best auto insurance agent in Kansas City for you
When searching for a good Kansas City insurance agent, it helps to know the two types of insurance agents and how they can write your policy. Auto insurance agencies may be either exclusive or independent.
Independent Agencies or Brokers
These agents are normally appointed by many insurers so they can insure your vehicles with lots of companies depending on which coverage is best. To transfer your coverage to a different company, your policy is moved internally and you can keep the same agent.
If you are comparing auto insurance prices, we recommend you include rate quotes from a few independent agents so that you can do a thorough price comparison.
Below is a list of independent agencies in Kansas City who can help you get comparison quotes.
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
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
Exclusive Insurance Agencies
These type of agents work for only one company and examples are Farmers Insurance or State Farm. These agents are not able to shop your coverage around so always compare other rates. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price.
Shown below is a short list of exclusive insurance agencies in Kansas City that can give you price quote information.
David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map
American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603 – View Map
Andy Patton – State Farm Insurance Agent
5500 N Oak Trafficway #100 – Kansas City, MO 64118 – (816) 453-6220 – View Map
Finding a good insurance agent requires more thought than just the price. Some important questions to ask are:
- Do the companies they represent have a solid financial rating?
- How much training do they have in personal risk management?
- Which company do they place the most coverage with?
- By raising physical damage deductibles, how much would you save?
- Do they regularly work with personal auto policies in Kansas City?
- Do they review policy coverages at every renewal?
Cover all your bases
When getting Kansas City auto insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret that it was a big error on their part. Your aim should be to get the best coverage possible at the best cost while still protecting your assets.
There are still a few companies who don’t offer rate quotes online and most of the time these smaller providers only sell coverage through independent agents. More affordable insurance in Kansas City is available on the web as well as from independent agents in Kansas City, and you should compare price quotes from both in order to have the best chance of saving money.
Steps to finding affordable Mitsubishi Endeavor insurance in Kansas City
It takes a little time, but the best way to get low-cost car insurance rates is to make a habit of regularly comparing prices from insurers that sell auto insurance in Kansas City.
First, get an understanding of individual coverages and the measures you can control to keep rates in check. Many factors that result in higher prices such as at-fault accidents, speeding tickets, and poor credit rating can be controlled by making minor changes in your lifestyle.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can provide prices from multiple insurance companies.
Third, compare the price quotes to your existing coverage to see if you can save by switching companies. If you can save money, make sure there is no lapse in coverage.
Fourth, provide adequate notice to your current company to cancel your current car insurance policy and submit a completed policy application and payment for your new policy. As soon as you can, keep your new certificate verifying proof of insurance in your vehicle.
A good piece of advice is to use identical limits and deductibles on every price quote and and to get rate quotes from as many companies as possible. Doing this provides the most accurate price comparison and a complete rate analysis.
More information is located at these links:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Kansas City? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)