Truthfully, the best way to save money on auto insurance rates is to compare prices once a year from insurers in Kansas City. Price quotes can be compared by following these steps.
First, get a basic knowledge of how your policy works and the steps you can take to prevent expensive coverage. Many factors that cause high rates such as your driving record and an unacceptable credit rating can be controlled by being financially responsible and driving safely. This article gives instructions to get lower rates and get discounts that may be available to you.
Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agents can quote prices from many different companies. View rates
Third, compare the new rate quotes to your existing policy to see if a cheaper price is available. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
Fourth, provide notification to your current company of your intention to cancel your current car insurance policy. Submit payment and a completed application for your new policy. Once received, safely store the certificate of insurance in an easily accessible location.
A key point to remember is to make sure you enter the same deductibles and limits on each quote request and to quote with as many companies as possible. This guarantees an accurate price comparison and a better comparison of the market.
Statistics show that the vast majority of Missouri auto insurance customers have been with the same company for more than four years, and practically 40% of auto insurance customers have never compared rates with other companies. U.S. drivers could save an average of 47% each year, but they just don’t understand how easy it is to compare rates.
If you have a policy now, you will most likely be able to reduce premiums using the techniques covered below. Finding the cheapest auto insurance coverage in Kansas City is much easier if you have a good place to start. But Missouri vehicle owners should learn how insurance companies determine what you pay and take advantage of how the system works.
Companies offer money-saving discounts on Suzuki SX4 insurance in Kansas City
Some insurance providers don’t always list every available discount very well, so below is a list both the well known as well as some of the hidden credits that you can use to lower your rates. If you are not receiving all the discounts possible, you’re paying more than you need to.
- Data Collection Discounts – Drivers who elect to allow companies to track vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- Defensive Driver Discounts – Completing a class that teaches defensive driver techniques could save 5% or more if your company offers it.
- Driver’s Education for Students – Require your teen driver to complete a driver education course if it’s offered in school.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more off the medical payments premium.
- Discount for Good Grades – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
- Early Switch Discount – Some auto insurance companies provide a discount for buying a policy before your current SX4 insurance policy expires. You may see this discount when you get Kansas City car insurance quotes online.
Don’t be shocked that some credits don’t apply to the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. But any discount will definitely reduce your policy cost.
The diagram below illustrates the comparison of Suzuki SX4 insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no claims, a clean driving record, Missouri state minimum liability limits, full physical damage coverage, and $500 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, multi-policy, marriage, and homeowner discounts applied.
A list of companies and a partial list of their discounts are:
- State Farm includes discounts for student away at school, good driver, Steer Clear safe driver discount, driver’s education, and multiple policy.
- GEICO may include discounts for five-year accident-free, defensive driver, good student, multi-vehicle, anti-theft, driver training, and federal employee.
- SAFECO policyholders can earn discounts including accident prevention training, homeowner, teen safety rewards, drive less, safe driver, anti-lock brakes, and bundle discounts.
- Farmers Insurance offers discounts for teen driver, early shopping, pay in full, homeowner, and multi-car.
- AAA may have discounts that include multi-car, education and occupation, multi-policy, AAA membership discount, anti-theft, good driver, and pay-in-full.
- USAA offers premium reductions for family discount, multi-vehicle, annual mileage, driver training, and loyalty savings.
When quoting, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier may not apply in Kansas City. If you would like to view auto insurance companies that provide some of the discounts listed above in Missouri, click here to view.
Low cost Suzuki SX4 insurance prices in Kansas City
To find low cost prices, there are a couple of ways to compare quotes from different Kansas City insurance companies. The simplest method to find the lowest Suzuki SX4 rates consists of obtaining rate quotes online.
Getting free rates online is quite simple, and it replaces the need to drive to each insurance agency near you. The fact that you can get quotes online has made agencies unnecessary unless you’re the type of person who wants the guidance of a local Kansas City agent. It is possible to price shop online and still use a local agent.
When comparing auto insurance rates, know that comparing all the rates in your area gives you a better chance of getting lower pricing.
The providers in the list below are ready to provide free quotes in Missouri. If you wish to find the best auto insurance in MO, it’s highly recommended you compare several of them in order to find the most competitive rates.
Insurance statistics for a Suzuki SX4
The coverage information below showcases detailed analysis of rate quotes for Suzuki SX4 models. Being more informed about how insurance policy premiums are established is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $86 | $186 | $256 | $16 | $76 | $620 | $52 |
| SX4 2WD | $100 | $152 | $256 | $16 | $76 | $600 | $50 |
| SX4 Sport S | $100 | $218 | $256 | $16 | $76 | $666 | $56 |
| SX4 Sport SE | $100 | $218 | $256 | $16 | $76 | $666 | $56 |
| SX4 Technology 2WD | $100 | $186 | $256 | $16 | $76 | $634 | $53 |
| SX4 Sportback 2WD | $100 | $186 | $256 | $16 | $76 | $634 | $53 |
| SX4 AWD AWD | $100 | $186 | $256 | $16 | $76 | $634 | $53 |
| SX4 Sport GTS | $100 | $218 | $256 | $16 | $76 | $666 | $56 |
| SX4 Technology AWD | $112 | $186 | $256 | $16 | $76 | $646 | $54 |
| SX4 Touring AWD | $112 | $186 | $256 | $16 | $76 | $646 | $54 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Kansas City which can affect auto insurance rates considerably.
How high should deductibles be?
One of the most common insurance questions is where to set your physical damage deductibles. The premium rates below may aid in understanding how much more rates are of buying low and high insurance deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $200 | $414 | $266 | $16 | $80 | $1,001 | $83 |
| SX4 2WD | $230 | $340 | $266 | $16 | $80 | $957 | $80 |
| SX4 Sport S | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| SX4 Sport SE | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| SX4 Technology 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| SX4 Sportback 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| SX4 AWD AWD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| SX4 Sport GTS | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| SX4 Technology AWD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| SX4 Touring 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 |
|---|---|---|---|---|---|---|---|
| SX4 LE | $110 | $218 | $266 | $16 | $80 | $690 | $58 |
| SX4 2WD | $128 | $180 | $266 | $16 | $80 | $670 | $56 |
| SX4 Sport S | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| SX4 Sport SE | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| SX4 Technology 2WD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| SX4 Sportback 2WD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| SX4 AWD AWD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| SX4 Sport GTS | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| SX4 Technology AWD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| SX4 Touring AWD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in your specific Kansas City location which can raise or lower auto insurance rates significantly.
Based on the figures above, using a $100 deductible costs an average of $27 more each month or $324 annually across all Suzuki SX4 models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 33 months between claim filings, you would more than likely save some money going with the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $87 |
| Average monthly premium for $1,000 deductibles (subtract): | – $60 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
One big caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You need a higher level of savings in the event you need to pay the deductible for vehicle repair.
The chart below demonstrates how choosing different deductibles and can impact Suzuki SX4 yearly insurance costs for different age groups. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied.
Careless Kansas City drivers pay higher rates
The chart below demonstrates how speeding tickets and at-fault fender-benders can increase Suzuki SX4 insurance costs for each different age category. The price estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Yearly insurance costs for men versus women
The diagram below shows the difference between Suzuki SX4 annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
Suzuki SX4 full coverage rates compared to liability only
The example below visualizes the comparison of Suzuki SX4 auto insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to drop comprehensive and collision
There isn’t a written rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s say your Suzuki SX4 replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying your deductible. If you are paying more than $800 annually to have full coverage, then you may need to consider dropping full coverage.
There are some circumstances where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Situations that may require an agent’s advice
When it comes to buying a policy for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.
For example, these questions might point out whether or not you could use an agent’s help.
- Is borrowed equipment or tools covered if stolen or damaged?
- Does coverage extend to my business vehicle?
- Can I afford low physical damage deductibles?
- Are there any extra discounts I can get?
- Are my custom wheels covered?
- How do I buy GAP insurance?
- Am I better off with higher deductibles on my Suzuki SX4?
- Should I file a claim if it’s only slightly more than my deductible?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.
Insurance agent or online?
A lot of people prefer to sit down and talk to an agent and that is OK! A good thing about price shopping on the web is you can get cheap car insurance quotes and still have an agent to talk to. And buying from local insurance agencies is important especially in Kansas City.
Upon completion of this simple form, the coverage information is submitted to companies in Kansas City who will give you bids for your car insurance coverage. You won’t even need to contact any agents since price quotes are sent to the email address you provide. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to get a price quote from a specific company, you can always jump over to their website and give them your coverage information.
Finding a good provider is decision based upon more than just the price. These questions are important to ask:
- Do they see any coverage gaps in your plan?
- Will the company cover a rental car if your car is getting fixed?
- Will high miles depreciate repair valuations?
- Is working in the agency their full-time job?
- Who are their largest clients?
- How long has the business existed?
- Has the agent ever had any license suspensions?
- What will you get paid if your car is a total loss? How is that amount determined?
Insurance in Missouri serves several purposes
Even though Kansas City SX4 insurance rates can get expensive, paying for insurance is a good idea for several reasons.
- Almost all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability if you don’t want to risk a ticket. 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 your vehicle has a lienholder, most lenders will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Suzuki at an extremely high rate and force you to pay for the much more expensive policy.
- Insurance safeguards both your Suzuki SX4 and your personal assets. It will also pay for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. An average driver in America is overpaying more than $825 a year so it’s recommended you shop around at every policy renewal to save money.
Car insurance coverage basics
Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive car insurance
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as rock chips in glass, fire damage and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for immediate expenses like dental work, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Collision insurance
This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your SX4 to get cheaper collision coverage.
Auto liability
Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/10 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as loss of income, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. Missouri state minimum liability requirements are 25/50/10 but it’s recommended drivers buy higher limits.
The next chart demonstrates why low liability limits may not be high enough to adequately cover claims.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Suzuki SX4.
Since many Missouri drivers only carry the minimum required liability limits (Missouri limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.
Kansas City auto insurance companies
Selecting the right insurance provider can be rather challenging considering how many companies there are to choose from in Kansas City. The ranking data in the lists below may help you select which car insurance companies you want to consider comparing rate quotes with.
Top 10 Kansas City Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
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
Don’t give up on cheaper coverage
People who switch companies do it for a variety of reasons including delays in paying claims, poor customer service, an unsatisfactory settlement offer or lack of trust in their agent. Regardless of your reason for switching companies, switching companies is actually quite simple.
As you quote Kansas City car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.
We covered a lot of tips how to reduce Suzuki SX4 insurance rates online in Kansas City. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.
More tips and info about insurance is located at these sites:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- How Much is Auto Insurance for a Ford F-150 in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Kansas City? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Highlander in Kansas City? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Insurance Losses by Make and Model (iihs.org)
- Teen Driving Statistics (GEICO)