Do you need a better way to compare cheaper auto insurance rates in Kansas City, MO? Kansas City buyers have options when searching for the lowest priced Hummer H3 insurance. You can either spend your time driving around getting price quotes or leverage the internet to get rate quotes.
There are both good and bad ways to shop for auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Hummer and get the lowest possible price either online or from Kansas City insurance agents.
It’s an obvious statement that auto insurance companies don’t want you shop around. Drivers who shop around once a year will probably switch companies because they stand a good chance of finding a lower rate. A survey found that drivers who shopped around every year saved about $860 a year as compared to drivers who don’t regularly compare prices.
If finding budget-friendly auto insurance in Kansas City is your ultimate objective, then learning a little about the best way to shop and compare auto insurance can save time and money.
The purpose of this article is to familiarize you with how to effectively get price quotes and how to save the most money. If you have coverage now, you will most likely be able to buy cheaper car insurance using the concepts you’re about to learn. Comparison shoppers just need to understand the proper way to get comparison quotes instantly.
Getting cheap auto insurance pricing can be relatively painless. You just have to invest a little time comparing free Kansas City car insurance quotes to discover which company has the cheapest Hummer H3 rate quotes.
The companies shown below provide free quotes in Missouri. If you want to find cheap auto insurance in MO, we suggest you get price quotes from several of them to get the lowest price.
Rates and data analysis
The coverage information shown next outlines different coverage costs for Hummer H3 models. Being more informed about how policy premiums are formulated can benefit drivers when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| H3 4WD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| H3 Luxury Package 4WD | $224 | $462 | $346 | $20 | $104 | $1,156 | $96 |
| H3 Alpha 4WD | $248 | $462 | $346 | $20 | $104 | $1,180 | $98 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in Kansas City location which can influence price quotes considerably.
Comparison of policy deductibles
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The tables below highlight how much more rates are between low and high insurance deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| H3 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| H3 Luxury Package 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| H3 Alpha 4WD | $258 | $408 | $266 | $16 | $80 | $1,053 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| H3 4WD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| H3 Luxury Package 4WD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| H3 Alpha 4WD | $160 | $258 | $266 | $16 | $80 | $780 | $65 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in your specific Kansas City location which can affect prices significantly.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $23 more each month or $276 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 33 months between claim filings, you would save more money by going with a higher deductible.
Hummer H3 insurance rates: Men versus women
The information below visualizes the comparison of Hummer H3 insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Cost of full coverage
The information below shows the comparison of Hummer H3 annual premium costs when comparing full coverage to liability only. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no clear-cut rule that works best for making the decision to drop physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your Hummer H3 replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 annually for full coverage, then it could be time to drop full coverage.
There are some conditions where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Why you need car insurance
Even though it’s not necessarily cheap to insure a Hummer in Kansas City, car insurance is mandatory in Missouri but it also protects more than you think.
- Most states have mandatory insurance requirements which means the state requires a specific level of liability coverage if you want to drive legally. 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 Hummer H3, most lenders will require you to have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Hummer at a significantly higher premium and require you to pay much more than you were paying before.
- Insurance protects both your Hummer and your assets. It will also provide coverage for medical bills incurred in an accident. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying over $830 a year so you should quote your policy with other companies at least once a year to save money.
Auto insurance policy discounts you can’t miss
Companies offering auto insurance don’t always publicize the entire discount list in a way that’s easy to find, so below is a list a few of the more well known as well as the least known credits available to lower your premiums when you buy Kansas City car insurance online.
- Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may earn rate discounts as much as 30%.
- Distant Student Discount – College-age children who attend college more than 100 miles from Kansas City and won’t have access to an insured vehicle could qualify for this discount.
- Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your Kansas City car insurance quote.
- Discounts for Good Drivers – Drivers without accidents can save as much as half off their rates as compared to drivers with claims.
- Active Military Service – Being deployed in the military could mean lower rates.
As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.
The chart below illustrates the difference between Hummer H3 premium costs with and without discounts applied to the premium. The costs are based on a female driver, no driving violations, no at-fault accidents, 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 safe-driver, claim-free, marriage, multi-car, homeowner, and multi-policy discounts applied.
The best auto insurance companies and their possible discounts are included below.
- GEICO offers premium reductions for anti-theft, driver training, good student, defensive driver, seat belt use, and five-year accident-free.
- SAFECO discounts include anti-lock brakes, homeowner, safe driver, multi-car, bundle discounts, accident prevention training, and teen safe driver.
- State Farm has savings for defensive driving training, accident-free, passive restraint, student away at school, and safe vehicle.
- MetLife may have discounts that include good driver, defensive driver, good student, multi-policy, and accident-free.
- 21st Century may offer discounts for defensive driver, automatic seat belts, student driver, early bird, homeowners, theft prevention, and air bags.
- Progressive includes discounts for good student, homeowner, continuous coverage, multi-vehicle, and online signing.
Double check with each company which credits you are entitled to. A few discounts might not apply everywhere.
Independent or exclusive insurance agents
A small number of people would rather have an agent’s advice and that is just fine! Agents are very good at helping people manage risk and help in the event of a claim. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and also buy local. Putting coverage with local agents is important particularly in Kansas City.
To find an agent, once you fill out this form (opens in new window), the coverage information is sent to companies in Kansas City who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent since rate quotes are delivered instantly to you. If you wish to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out their quote form.
If you want to use a local insurance agency, there are two types of agencies and how they can service your needs differently. Auto insurance policy providers can be described as either independent agents or exclusive agents depending on their employer. Both provide auto insurance policies, but it’s a good idea to understand the difference between them since it could factor into buying decisions.
Independent Auto Insurance Agents
Independent insurance agents often have affiliation with several companies and that allows them to write policies with a variety of different insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company which requires no work on your part. When comparing auto insurance prices, you need to check rates from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through small mutual carriers that many times have cheaper rates.
Featured below is a list of independent insurance agents in Kansas City who may be able to give you free price quotes.
- Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 – View Map - Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map - DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map
Exclusive Agencies
Exclusive agencies can only write with one company like State Farm or Allstate. They usually cannot provide prices from multiple companies so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Consumers sometimes use the same agent partially due to the prominent brand name and strong financial ratings.
Listed below are Kansas City exclusive insurance agencies that can give you price quote information.
- Farmers Insurance – Alisha Elliott
851 NW 45th St #301 – Kansas City, MO 64116 – (816) 841-9494 – View Map - State Farm: Tony Guy
1100 Walnut St #130 – Kansas City, MO 64106 – (816) 221-9066 – View Map - State Farm: Mike Parisi
416 Armour Rd – North Kansas City, MO 64116 – (816) 221-3840 – View Map
Choosing an insurance agency should depend on more than just the price. Ask your prospective agent these questions:
- How does the company pay claims for a total loss?
- In the event of vehicle damage, can you pick the collision repair facility?
- Are they able to provide referrals?
- Can glass repairs be made at your home?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If independent agents, which companies do they recommend?
After talking to the agent and getting positive feedback to any questions you have and a good coverage price, you may have found an insurance agency that can be trusted to provide auto insurance coverage.
Auto insurance coverages
Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
UM/UIM Coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (25/50/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as surgery, X-ray expenses, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your H3 in order to get cheaper collision rates.
Auto liability – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage pays for things such as loss of income, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible. Missouri requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.
The next chart demonstrates why buying low liability limits may not be adequate.
Don’t give up on cheap coverage
Lower-priced Hummer H3 insurance in Kansas City can be purchased on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not offer online price quotes and most of the time these regional carriers only sell coverage through local independent agencies.
Consumers leave their current company for a number of reasons such as poor customer service, high prices, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.
We’ve covered a lot of information how to save on Hummer H3 insurance in Kansas City. The key thing to remember is the more you quote Kansas City car insurance, the better chance you’ll have of finding cheaper Kansas City car insurance quotes. Drivers may even discover the lowest priced insurance comes from the smaller companies.
Steps to finding better rates for Hummer H3 insurance in Kansas City
If saving the most money is your goal, then the best way to find affordable quotes for Hummer H3 insurance is to start comparing rates regularly from insurers who can sell car insurance in Kansas City. You can compare prices by completing these steps.
- Get a basic knowledge of how insurance companies determine prices and the things you can change to drop your rates. Many things that increase rates such as tickets, at-fault accidents, and poor credit history can be eliminated by making small lifestyle or driving habit changes.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
- Compare the new rate quotes to your current policy and see if you can save money. If you find better rates and switch companies, make sure there is no lapse in coverage.
A key point to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote request and to quote with as many companies as possible. This provides a level playing field and a complete price analysis.
More information
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Car Insurance is Cheapest for 18 Year Olds in Kansas City? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 19 Year Olds in Kansas City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Collision Coverage (Liberty Mutual)