The most effective way to find the cheapest price for auto insurance rates in Kansas City is to start comparing prices regularly from insurers in Missouri. Prices can be compared by following these steps.
- First, try to learn a little about how companies set rates and the steps you can take to prevent rate increases. Many rating criteria that increase rates like at-fault accidents, careless driving, and a bad credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple companies.
- Third, compare the new rates to your current policy to see if cheaper Genesis coverage is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
An important note is that you use the same level of coverage on every price quote and and to get rate quotes from as many auto insurance providers as possible. This guarantees the most accurate price comparison and the best rate selection.
We don’t have to point out that fact that insurance companies don’t want their policyholders to compare prices. Consumers who compare price quotes will probably move their business because they have good chances of finding a lower rate. A recent survey discovered that consumers who compared price quotes annually saved an average of $3,450 over four years compared to policyholders who never shopped for cheaper rates.
If finding the cheapest price on insurance in Kansas City is your ultimate target, then having a good understanding how to get free comparison quotes and analyze coverage rates can help you succeed in saving money.
If you have insurance now, you will surely be able to buy cheaper insurance using the following tips. Our goal in writing this article teach you a little about how auto insurance companies operate and some tips to save money. But Missouri car owners must learn the way insurance companies determine what you pay and use it to find better rates.
Don’t overlook these Hyundai Genesis insurance discounts
Companies that sell car insurance don’t always publicize all their discounts very well, so the list below details both well-publicized and the more hidden ways to save on insurance.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
- Early Signing – A few insurance companies allow discounts for renewing your policy prior to the expiration date on your current Genesis insurance policy. You can save around 10% with this discount.
- Discount for New Cars – Insuring a new Genesis can save you some money compared to insuring an older model.
- Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
- Own a Home – Owning a house in Kansas City can help you save on insurance since owning and maintaining a home requires a higher level of personal finance.
- Bundle and Save – If you combine your auto and home policies with one company you may save approximately 10% to 15%.
- Discount for Life Insurance – Some insurance carriers give a small discount if you purchase life insurance.
- Data Collection Discounts – Policyholders that allow their company to scrutinize driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they show good driving skills.
- Sign Online – Certain larger companies give back up to $50 for completing your application on their website.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.
The chart below compares Hyundai Genesis insurance costs with and without discounts applied. The rates are based on a female driver, no claims or driving citations, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.
Companies that may offer policyholders most of the discounts above include:
When getting free Kansas City auto insurance quotes, it’s a good idea to each insurance company which discounts can lower your rates. All car insurance discounts may not be offered in Kansas City. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in Kansas City, click this link.
The method we recommend to compare rate quotes for Hyundai Genesis insurance in Kansas City is to take advantage of the fact all the major auto insurance companies will pay a fee to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information such as your education level, whether or not you need a SR-22, an estimate of your credit level, and the make and model of your vehicles. Those rating factors is instantly submitted to many highly-rated insurers and they return cost estimate within a short period of time.
If you would like to start a quote now, click here and enter your coverage details.
The following companies offer free quotes in Kansas City, MO. To locate the best cheap car insurance in Kansas City, it’s a good idea that you click on several of them to get a more complete price comparison.
Insurance rate breakdown
The data table displayed below showcases a range of policy rates for Hyundai Genesis models. Learning how insurance premiums are formulated is important for making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $186 | $436 | $402 | $24 | $120 | $1,168 | $97 |
| Genesis 3.8 4-Dr Sedan | $206 | $380 | $274 | $16 | $82 | $958 | $80 |
| Genesis 2.0T Premium 2-Dr Coupe | $206 | $436 | $402 | $24 | $120 | $1,188 | $99 |
| Genesis 3.8 2-Dr Coupe | $206 | $436 | $402 | $24 | $120 | $1,188 | $99 |
| Genesis 2.0T Track 2-Dr Coupe | $206 | $436 | $402 | $24 | $120 | $1,188 | $99 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $206 | $436 | $402 | $24 | $120 | $1,188 | $99 |
| Genesis 4.6 4-Dr Sedan | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| Genesis 3.8 Track 2-Dr Coupe | $206 | $494 | $402 | $24 | $120 | $1,246 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle garaging location which can decrease or increase premium rates greatly.
Higher deductibles lower rates
When shopping for auto insurance, a common question is which deductible level should you buy. The comparison tables below can help show the rate fluctuation between low and high coverage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $232 | $470 | $332 | $20 | $100 | $1,179 | $98 |
| Genesis 3.8 4-Dr Sedan | $258 | $408 | $226 | $14 | $68 | $999 | $83 |
| Genesis 2.0T Premium 2-Dr Coupe | $258 | $470 | $332 | $20 | $100 | $1,205 | $100 |
| Genesis 3.8 2-Dr Coupe | $258 | $470 | $332 | $20 | $100 | $1,205 | $100 |
| Genesis 2.0T Track 2-Dr Coupe | $258 | $470 | $332 | $20 | $100 | $1,205 | $100 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $258 | $470 | $332 | $20 | $100 | $1,205 | $100 |
| Genesis 4.6 4-Dr Sedan | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| Genesis 3.8 Track 2-Dr Coupe | $258 | $532 | $332 | $20 | $100 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $188 | $380 | $332 | $20 | $100 | $1,020 | $85 |
| Genesis 3.8 4-Dr Sedan | $210 | $330 | $226 | $14 | $68 | $848 | $71 |
| Genesis 2.0T Premium 2-Dr Coupe | $210 | $380 | $332 | $20 | $100 | $1,042 | $87 |
| Genesis 3.8 2-Dr Coupe | $210 | $380 | $332 | $20 | $100 | $1,042 | $87 |
| Genesis 2.0T Track 2-Dr Coupe | $210 | $380 | $332 | $20 | $100 | $1,042 | $87 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $210 | $380 | $332 | $20 | $100 | $1,042 | $87 |
| Genesis 4.6 4-Dr Sedan | $210 | $380 | $226 | $14 | $68 | $898 | $75 |
| Genesis 3.8 Track 2-Dr Coupe | $210 | $430 | $332 | $20 | $100 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can impact premiums substantially.
We can derive from the above data that using a $250 deductible will cost you approximately $13 more each month or $156 a year averaged for all Genesis models than requesting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important issue to know is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have a claim. You need to have some extra savings in the event you need to pay the deductible to have repairs made.
Careless driving habits raise Kansas City auto insurance rates
The information below illustrates how violations and accidents can influence Hyundai Genesis auto insurance costs for different ages of insureds. The data assumes a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Neighborhood insurance agents
A lot of people just prefer to have an agent’s advice and that is just fine! The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes and still have a local agent.
For easy comparison, once you complete this simple form, the quote information is transmitted to local insurance agents in Kansas City that can provide free Kansas City auto insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent to you directly. You can find better rates and a licensed agent to work with. In the event you want to quote rates from a specific insurance company, feel free to jump over to their website and fill out their quote form.
Selecting an provider should depend on more than just the premium amount. These are some questions your agent should answer.
- How often do they review policy coverages?
- How many companies do they write for?
- Are there any extra charges for paying monthly?
- Does the agency have a current Errors and Omissions policy?
- What discounts might you be missing?
Two different types of auto insurance agents
If you are searching for local Kansas City agents, you should know the different types of agents from which to choose. Car insurance agencies can be classified as either exclusive agents or independent agents.
Exclusive Car Insurance Agents
Exclusive agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are well trained on their company’s products and that enables them to sell even at higher rates. Many people use the same exclusive agent partially due to the brand instead of buying on price only.
Below are Kansas City exclusive insurance agencies that can give you price quotes.
- Brady Crawford – State Farm Insurance Agent
8080 Ward Pkwy Ste 100 – Kansas City, MO 64114 – (816) 333-5853 – View Map - American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map - Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map
Independent Agencies or Brokers
Agents of this type often have affiliation with several companies and that enables them to quote your coverage with lots of companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to do anything. If you are comparing rate quotes, it’s a good idea to contact at a minimum one independent agency to maximize your price options. Most independent agents also contract with additional companies that you may not be familiar with which can save you money.
The following are Kansas City independent agencies who can help you get price quote information.
- Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 – View Map - SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map - Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 – View Map
Best car insurance company in Kansas City
Choosing the best company can be a challenge considering how many choices drivers have in Missouri. The ranking data in the lists below can help you decide which car insurance companies to look at when comparing rate quotes.
Top 10 Kansas City Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Cover all your bases
Low-cost Hyundai Genesis insurance in Kansas City can be bought online and also from your neighborhood Kansas City agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer rate quotes online and these small insurance companies only sell through independent insurance agencies.
You just learned many ideas to reduce Hyundai Genesis insurance rates online in Kansas City. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest Hyundai Genesis rate quotes. Drivers may even discover the best rates are with a lesser-known regional company.
While you’re price shopping online, never buy less coverage just to save a little money. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.
Additional detailed information can be read by following these links:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Kansas City Car Insurance Rates for Handicapped Drivers? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in Kansas City? (FAQ)
- How Much is Car Insurance for Drivers Under 21 in Kansas City? (FAQ)
- How Much are Kansas City Car Insurance Quotes for Veterans? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)