It’s an obvious conclusion that insurance companies want to keep you from shopping around. Drivers who shop around for a cheaper policy are inclined to switch to a new company because the odds are good of finding lower rate quotes. A study showed that consumers who routinely compared quotes saved on average $70 a month compared to those who never shopped around for better prices.
If finding budget-friendly auto insurance in Kansas City is the reason you’re reading this, then having some insight into how to find and compare insurance coverage can help you succeed in finding affordable rates.
The easiest way to get the cheapest Kia Sportage insurance in Kansas City is to start comparing rates regularly from companies in Missouri.
- First, take a little time to learn about what is in your policy and the modifications you can make to keep rates in check. Many factors that cause rate increases like getting speeding tickets and poor credit can be rectified by paying attention to minor details.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple sources.
- Third, compare the new quotes to your existing policy and determine if there is any savings. If you can save some money and buy the policy, verify that coverage does not lapse between policies.
The key thing to know about shopping around is to compare the same physical damage deductibles and liability limits on each price quote and and to get prices from as many different insurance providers as possible. This provides an apples-to-apples comparison and many rates to choose from.
All the larger car insurance companies such as GEICO, State Farm and Progressive allow consumers to get coverage prices directly from their websites. Obtaining pricing for Kia Sportage insurance in Kansas City is quite easy as you simply enter your coverage information into the form. Upon sending the form, the company’s rating system will obtain your driving and credit reports and returns a price quote determined by many factors.
Being able to quote online for Kia Sportage insurance in Kansas City helps simplify price comparisons, and it is important to compare as many rates as possible if you are searching for the cheapest price.
In order to find out how much you’re overpaying now, take a look at the companies shown below. If you currently have coverage, we recommend you duplicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will be getting a rate comparison using the exact same coverages.
The companies shown below are ready to provide comparison quotes in Kansas City, MO. To buy cheaper car insurance in Kansas City, MO, we suggest you compare several of them in order to get a fair rate comparison.
Cheaper rates on Kia Sportage insurance in Kansas City with these discounts
Auto insurance companies don’t necessarily list every discount available in a way that’s easy to find, so we researched both the well known as well as some of the hidden auto insurance savings. If you’re not getting every credit possible, you could be paying more than you need to.
- Theft Deterrent System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Kansas City auto insurance quote.
- Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
- New Car Discount – Buying a new car instead of a used Sportage can save you some money because newer vehicles are generally safer.
- Driver Safety – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
- Waiver for an Accident – This isn’t a discount exactly, but companies like GEICO and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free before the accident.
- Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
- Multiple Cars – Buying insurance for several vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
- Braking Control Discount – Vehicles that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
A quick disclaimer, most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.
The example below visualizes the comparison of Kia Sportage auto insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.
Insurance companies that may have some of the discounts shown above include:
Before buying, ask every company which discounts they offer. A few discounts might not be offered in Kansas City.
Coverage information
The rate table shown below highlights different insurance policy prices for Kia Sportage models. Being more informed about how auto insurance prices are figured can help drivers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $172 | $350 | $302 | $18 | $90 | $932 | $78 |
| Sportage LX 2WD 4-Dr | $172 | $350 | $302 | $18 | $90 | $932 | $78 |
| Sportage EX 2WD 4-Dr | $198 | $426 | $302 | $18 | $90 | $1,034 | $86 |
| Sportage LX 4WD 4-Dr | $198 | $426 | $302 | $18 | $90 | $1,034 | $86 |
| Sportage LX | $198 | $426 | $302 | $18 | $90 | $1,034 | $86 |
| Sportage EX 4WD 4-Dr | $198 | $426 | $302 | $18 | $90 | $1,034 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can modify price quotes greatly.
Can higher deductibles save money?
When shopping for insurance, a common question is where should you set your physical damage deductibles. The premium rates below show the rate difference of buying low and high policy deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $200 | $340 | $266 | $16 | $80 | $927 | $77 |
| Sportage LX 2WD 4-Dr | $200 | $340 | $266 | $16 | $80 | $927 | $77 |
| Sportage EX 2WD 4-Dr | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sportage LX 4WD 4-Dr | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sportage LX | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sportage EX 4WD 4-Dr | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $146 | $230 | $266 | $16 | $80 | $738 | $62 |
| Sportage LX 2WD 4-Dr | $146 | $230 | $266 | $16 | $80 | $738 | $62 |
| Sportage EX 2WD 4-Dr | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Sportage LX 4WD 4-Dr | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Sportage LX | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Sportage EX 4WD 4-Dr | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in your specific Kansas City location which can affect auto insurance rates noticeably.
Based on these figures, using a $100 deductible would cost the average driver about $17 more each month or $204 every year across all Kia Sportage models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 24 months between claims, you would probably save some money if you choose the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $83 |
| Average monthly premium for $500 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
Insurance rate increases from tickets or accidents
The information below illustrates how traffic citations and fender-benders can raise Kia Sportage premium costs for different ages of insureds. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The information below compares Kia Sportage insurance costs when comparing full coverage to liability only. Data assumes no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.
When to eliminate full coverage
There is no definitive formula to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Kia Sportage book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after you pay the deductible. If it’s costing in excess of $500 a year to have full coverage, then it may be the right time to buy liability only.
There are some conditions where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
The Kia Sportage Insurance Price Equation
Lots of things are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but some are less obvious like your vehicle usage or how safe your car is.
The more you drive the more you pay – The higher the mileage driven every year the more you will pay for auto insurance. Many insurance companies apply a rate based upon how the vehicle is primarily used. Autos left parked in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated Sportage may be costing you higher rates. It’s a good idea to make sure your auto insurance policy shows the correct driver usage, because it can save money.
Always have auto insurance – Having a lapse in insurance coverage is a fast way to increase your rates. Not only will rates go up, failure to provide proof of insurance can result in fines and jail time.
Pay more if you have a long commute – Having an address in a small town has definite advantages when it comes to auto insurance. City drivers have more auto accidents and much longer commute distances. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
Know your credit rating – Having a bad credit score is a big factor in determining premium rates. Consumers who have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit. If your credit score can use some improvement, you could pay less to insure your Kia Sportage by spending a little time repairing your credit.
Insurance loss data for Kia Sportage vehicles – Companies factor in historical loss data to calculate a price that will offset any claims. Models that the statistics show to have a trend towards higher claims will have higher rates for specific coverages. The data below shows the loss history for Kia Sportage vehicles.
For each insurance policy coverage type, the claim probability for all vehicles as a whole is a value of 100. Values that are under 100 suggest a better than average loss history, while percentage numbers above 100 indicate frequent claims or an increased probability of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Sportage 4dr 2WD | 82 | 100 | 66 | 113 | 127 | 109 |
| Kia Sportage 4dr 4WD | 90 | 100 | 83 | 116 | 108 | 101 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Shop online but buy locally
Some people would rather get professional advice from a licensed agent. Professional agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of comparing insurance prices online is you may find cheaper rates and still buy from a local agent.
Upon completion of this simple form, your insurance data is transmitted to participating agents in Kansas City that give free quotes for your insurance coverage. You won’t need to search for any insurance agencies because prices are sent to you instantly. If for some reason you want to compare rates from a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.
Selecting an provider should depend on more than just a low price. Before buying a policy in Kansas City, get answers to these questions.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they assist clients in filing claims?
- Can you choose the body shop in case repairs are needed?
- How often do they review policy coverages?
- Will the company cover a rental car if your car is getting fixed?
- Does the agent have a valid license to sell insurance in Missouri?
- Do they receive special compensation for putting your coverage with one company over another?
If you are wanting to find an insurance agent, it can be helpful to understand the different types of agents and how they work. Insurance agents in Kansas City can be described as either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s good to learn how they differ since it can impact which type of agent you select.
Exclusive Insurance Agents
Agents of this type generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so always compare other rates. Exclusive agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Consumers often choose to use a exclusive agent mainly due to the prominent brand name rather than low rates.
Listed below are exclusive agents in Kansas City who can help you get price quote information.
- State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 – View Map - David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map - David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map
Independent Insurance Agencies
Independent agents are normally appointed by many insurers and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move your policy to a different company and that require little work on your part.
If you need lower rates, it’s a good idea to include at least one independent agent to get the best comparison. Most can insure with additional companies that you may not be familiar with that may provide cheaper insurance rates.
Shown below are independent agents in Kansas City that are able to give rate quotes.
- ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map - Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Best auto insurance company in Kansas City
Buying coverage from a highly-rated insurance company can be challenging considering how many choices you have in Missouri. The company rank data shown next may help you pick which auto insurers you want to consider shopping your coverage with.
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 Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Cheaper auto insurance premiums are out there
We just showed you many tips how you can save on Kia Sportage insurance in Kansas City. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Kansas City auto insurance quotes. Consumers could even find that the best premium rates are with a smaller regional carrier.
As you quote Kansas City auto insurance, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best possible price.
People change insurance companies for many reasons like high prices, not issuing a premium refund, being labeled a high risk driver or delays in paying claims. Regardless of your reason, finding a new auto insurance company is less work than it seems.
Additional auto insurance information can be found at the links below
- Choosing an Insurance Company (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)