It takes a little time, but the best way to find discount auto insurance rates is to do an annual price comparison from different companies in Kansas City. Price quotes can be compared by following these guidelines.
- Read and learn about what coverages are included in your policy and the measures you can take to keep rates down. Many rating factors that result in higher prices like speeding tickets, careless driving and an unacceptable credit score can be remedied by making small lifestyle or driving habit changes.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from many different companies.
- Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Kansas City. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your agent or company of your intention to cancel your current coverage. Submit a down payment and signed policy application to your new agent or company. As soon as you have the new policy, place the new certificate verifying proof of insurance in your vehicle.
The key aspect of shopping around is to compare the same amount of coverage on every quote request and and to get prices from every company you can. Doing this helps ensure a fair price comparison and the most accurate and complete price analysis.
It’s an obvious assumption that auto insurance companies don’t want you comparing rates. Consumers who shop around for a cheaper policy will, in all likelihood, buy a new policy because they have a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved about $865 annually compared to people who didn’t regularly shop around.
If saving the most money on auto insurance is the reason you’re reading this, then understanding how to shop for insurance premiums can save time, money, and frustration.
If you’re already insured or are shopping for new coverage, you can use this information to buy cheaper auto insurance and possibly find even better coverage. Locating the best rates in Kansas City is much easier if you have a good place to start. Drivers only need an understanding of the most time-saving way to find the lowest price from many different companies online.
Most companies allow you to get insurance quotes direct online. Comparing Chevy Cobalt insurance rates online is possible for anyone because it’s just a matter of typing in the amount of coverage you want into the quote form. After you complete the form, their quoting system orders your credit score and driving record and returns a price determined by many factors. Quoting online for Chevy Cobalt insurance in Kansas City simplifies rate comparisons, and it’s very important to perform this step if you are searching for cheaper car insurance pricing.
To find out how much you’re overpaying now, check out the car insurance providers below. If you have a policy now, it’s recommended you replicate coverages and limits exactly as shown on your declarations page. This helps ensure you will receive an apples-to-apples comparison based on identical coverages.
The companies shown below offer comparison quotes in Kansas City, MO. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.
Chevy Cobalt insurance coverage information
The rate table below outlines detailed analysis of insurance policy prices for Chevy Cobalt models. Being more informed about how car insurance prices are calculated can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $172 | $462 | $392 | $24 | $118 | $1,168 | $97 |
| Cobalt XFE 4-Dr Sedan | $172 | $462 | $392 | $24 | $118 | $1,168 | $97 |
| Cobalt LS 2-Dr Coupe | $198 | $462 | $432 | $26 | $130 | $1,248 | $104 |
| Cobalt XFE 2-Dr Coupe | $198 | $462 | $432 | $26 | $130 | $1,248 | $104 |
| Cobalt LT 4-Dr Sedan | $198 | $462 | $392 | $24 | $118 | $1,194 | $100 |
| Cobalt LT 2-Dr Coupe | $224 | $462 | $432 | $26 | $130 | $1,274 | $106 |
| Cobalt SS Turbo 2-Dr Coupe | $248 | $602 | $432 | $26 | $130 | $1,438 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in garaging location in Kansas City which can influence insurance rates considerably.
Policy deductible comparison
One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The following tables can help you visualize the premium difference when you choose different physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $200 | $488 | $302 | $18 | $90 | $1,123 | $94 |
| Cobalt XFE 4-Dr Sedan | $200 | $488 | $302 | $18 | $90 | $1,123 | $94 |
| Cobalt LS 2-Dr Coupe | $230 | $488 | $332 | $20 | $100 | $1,195 | $100 |
| Cobalt XFE 2-Dr Coupe | $230 | $488 | $332 | $20 | $100 | $1,195 | $100 |
| Cobalt LT 4-Dr Sedan | $230 | $488 | $302 | $18 | $90 | $1,153 | $96 |
| Cobalt LT 2-Dr Coupe | $258 | $488 | $332 | $20 | $100 | $1,223 | $102 |
| Cobalt SS Turbo 2-Dr Coupe | $288 | $636 | $332 | $20 | $100 | $1,401 | $117 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $146 | $330 | $302 | $18 | $90 | $886 | $74 |
| Cobalt XFE 4-Dr Sedan | $146 | $330 | $302 | $18 | $90 | $886 | $74 |
| Cobalt LS 2-Dr Coupe | $168 | $330 | $332 | $20 | $100 | $950 | $79 |
| Cobalt XFE 2-Dr Coupe | $168 | $330 | $332 | $20 | $100 | $950 | $79 |
| Cobalt LT 4-Dr Sedan | $168 | $330 | $302 | $18 | $90 | $908 | $76 |
| Cobalt LT 2-Dr Coupe | $188 | $330 | $332 | $20 | $100 | $970 | $81 |
| Cobalt SS Turbo 2-Dr Coupe | $210 | $430 | $332 | $20 | $100 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in zip code location which can raise or lower prices noticeably.
Based on the above data, using a $100 deductible costs an average of $21 more each month or $252 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would probably save some money if you choose the higher deductible. Here’s an example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $100 |
| Average monthly premium for $500 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to be aware of is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have to file a claim. You must have enough extra savings in order to pay the higher deductible in order to repair your vehicle.
Chevrolet Cobalt full coverage rates compared to liability only
The chart below illustrates the difference between Chevy Cobalt auto insurance costs when comparing full coverage to liability only. The premiums assume no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no exact formula that works best for making the decision to drop full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Chevy Cobalt replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying your deductible. If it’s costing in excess of $200 a year for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.
It may be expensive, but it’s not optional
Despite the potentially high cost of Chevy Cobalt insurance, insurance is a good idea for several reasons.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection 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.
Second, if you have a lien on your car, it’s guaranteed your bank will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Chevy at a significantly higher premium and force you to pay for the much more expensive policy.
Third, insurance safeguards not only your Chevy Cobalt but also your assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance definitely exceed the price paid, particularly for liability claims. The average driver in Missouri overpays more than $830 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
Choices You Make Can Impact Your Insurance Rates
One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that come into play when calculating your policy premiums. If you know what determines premiums, this enables you to make decisions that can help you get better car insurance rates. Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other criteria are less obvious like your vehicle usage and annual miles driven.
- Only buy what you need – Policies have extra coverages that you can get tricked into buying on your Cobalt policy. Things like personal injury protection, accident forgiveness, and extra equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
- Save money by raising deductibles – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, also called ‘full coverage’, protects your car from damage. Some coverage claims would be colliding with a stationary object, vandalism, and damage caused by road hazards. The more the insured has to pay upfront, the less money you will pay for car insurance.
- Bundling policies can get discounts – Some car insurance companies apply better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount, you may still want to check prices from other companies to make sure you are getting the best deal. You may still be able to save more without the discount by splitting coverages up.
-
Insurance prices are higher for high performance vehicles – The performance level of the vehicle you are buying insurance for makes a significant difference in your premium level. Economy passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The following chart uses these assumptions: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Chevrolet Cobalt car insurance rates compared to other models of vehicles that have a range of performance risks.
- Decrease car insurance rates by maintaining coverage – Allowing your car insurance policy to lapse will be a fast way to increase your rates. Not only will rates go up, failure to provide proof of insurance may result in fines and jail time. Then you may be required to prove you have insurance by filing a SR-22 with the Missouri motor vehicle department.
- Protect yourself with liability coverage – Your car insurance policy’s liability coverage provides coverage in the event that you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Discounts mean cheaper rates for Chevy Cobalt insurance in Kansas City
Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden discounts you could be receiving when you buy Kansas City car insurance online. If you are not receiving all the discounts available, you’re just leaving money on the table.
- Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Kansas City car insurance quote as compared to drivers with claims.
- Service Members Pay Less – Being on active duty in the military can result in better car insurance rates.
- Discount for Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy life insurance.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn lower premium rates on the low mileage vehicles.
- Homeowners Savings – Simply owning a home can help you save on car insurance because it is proof of financial responsibility.
- Accident Free – Drivers who don’t have accidents get the best car insurance rates in comparison with accident-prone drivers.
- Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount for every vehicle.
- Policy Bundle Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn up to 20% and get you low cost Chevrolet Cobalt insurance.
Policy discounts save money, but most credits do not apply to the whole policy. Some only reduce individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you aren’t that lucky.
The illustration below compares Chevy Cobalt insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no accidents or driving violations, 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, homeowner, marriage, multi-policy, claim-free, and multi-car discounts applied.
For a list of companies with discount rates in Missouri, click here.
Auto insurance can get complicated
When buying adequate coverage, there really is not a perfect coverage plan. Your needs are unique to you.
Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.
- Can I cancel at any time?
- What is the ISO rating for a Chevy Cobalt?
- What does PIP insurance cover?
- At what point should I drop full coverage?
- Am I covered when driving a rental car?
- Is my trailer covered?
- Am I insured when driving a different vehicle?
- If my pet gets injured in an accident are they covered?
- Am I covered if hit by an uninsured driver?
- Are split liability limits better than a combined single limit?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Buying insurance from Kansas City auto insurance agents
A lot of people still prefer to get professional advice from a licensed agent and that is not a bad decision Most agents are very good at helping people manage risk and help submit paperwork. The biggest benefit of getting online price quotes is that drivers can save money and get cheap rate quotes and also buy local.
By using this form (opens in new window), your information is emailed to local insurance agents that can give you free Kansas City car insurance quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies since rate quotes are delivered directly to your email. If you have a need to quote rates from a specific insurance provider, you just need to find their quoting web page and fill out their quote form.
Deciding on an insurer needs to be determined by more than just the price. Get answers to these questions too.
- Is there a Errors and Omissions policy in force?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they specialize in personal lines coverage in Kansas City?
- Will the agent or a CSR service your policy?
- If independent agents, which companies do they recommend?
When researching a reliable insurance agent, there are two different types of agents that you can select. Insurance agencies are either independent agents or exclusive agents depending on their employer. Either one can do a good job, but it is a good idea to know the differences since it can impact your selection of an agent.
Exclusive Insurance Agents
Agents that choose to be exclusive can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide other company’s prices so they really need to provide good service. These agents receive a lot of sales training on sales techniques and that can be a competitive advantage.
Shown below are exclusive agencies in Kansas City that are able to give price quotes.
American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map
American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779 – View Map
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map
Independent Insurance Agencies
Agents that elect to be independent are not locked into one company and that enables them to quote your coverage with an assortment of companies and find the cheapest insurance rates. If prices rise, they simply switch companies in-house and you don’t have to switch agencies. If you are comparing insurance prices, we highly recommend that you contact a couple of independent agencies to ensure the widest selection of prices.
Below are Kansas City independent agencies that are able to give rate quotes.
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
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
After you get good feedback and locked in a price quote, you may have just found an auto insurance agent that meets your needs to adequately provide insurance.
Be persistent to save money
You just learned a lot of information how to find lower-cost Chevy Cobalt insurance in Kansas City. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper Kansas City car insurance quotes. You may even be surprised to find that the most savings is with the least-expected company.
Consumers switch companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, policy cancellation or even high rates after DUI convictions. Regardless of your reason, choosing a new company is actually quite simple.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits only to find out that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.
Helpful resources
- Comprehensive Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance Rates for a GMC Sierra in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- What Car Insurance is Cheapest for a Nissan Rogue in Kansas City? (FAQ)
- How Much are Car Insurance Rates for a Hyundai Elantra in Kansas City? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Distracted Driving Extends Beyond Texting (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)