If you’re looking for cheaper insurance on the web, do you get confused by the wide range of car insurance choices available to you? You’re not alone. Missouri consumers have so many options that it is more work than you anticipated to find the lowest price for Chrysler Town and Country insurance in Kansas City. If you live there, you know that Kansas City is the perfect city to reside in, but budgeting for expensive car insurance makes it very hard to buy full coverage.
Steps to finding affordable Chrysler Town and Country insurance in Kansas City
The easiest way to save money on Chrysler Town and Country insurance in Kansas City is to compare quotes annually from providers who can sell car insurance in Missouri.
First, try to understand how insurance works and the measures you can control to keep rates down. Many policy risk factors that are responsible for high rates like traffic violations and an unfavorable credit rating can be rectified by being financially responsible and driving safely. Continue reading for information to help find cheaper rates and earn larger discounts.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple sources.
Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your intent to cancel your current policy. Submit any necessary down payment along with the completed application to the new company. As soon as you receive it, place the new proof of insurance certificate along with the vehicle’s registration papers.
One bit of advice is to make sure you enter similar deductibles and liability limits on each quote request and and to get rates from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and the best rate selection.
It’s an obvious statement that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around once a year are likely to switch car insurance companies because they have good chances of finding coverage at a more affordable price. A recent survey found that drivers who compared rates once a year saved about $3,450 over four years compared to people who never shopped around for cheaper prices.
If finding the cheapest price on Chrysler Town and Country insurance is your ultimate objective, then learning a little about the best way to shop and compare coverage rates can help simplify the process.
Comparing quotes for cheaper insurance coverage in Kansas City is not that difficult. Nearly every person who shops for insurance stands a good chance to find a better price. Although Missouri consumers must learn the methods companies use to calculate their prices and use it to your advantage.
Lower rate quotes by taking advantage of these eight discounts
Car insurance companies do not advertise every policy discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving when you buy Kansas City auto insurance online.
- First Accident Forgiveness – This one is not really a discount per se, but a few companies such as GEICO and Liberty Mutual will let one accident slide before hitting you with a surcharge if you are claim-free prior to the accident.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
- Save over 55 – Drivers over the age of 55 can get a slight reduction on a Kansas City auto insurance quote.
- Fewer Miles Equal More Savings – Driving less could qualify for cheaper prices.
- Defensive Driving Course – Taking time to complete a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your Kansas City auto insurance quote.
- Memberships – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for car insurance.
- Distant Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts should help reduce your premiums.
The diagram below visualizes the comparison of Chrysler Town and Country premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.
A few popular companies and some of the premium reductions they offer are shown below.
- State Farm may offer discounts for Drive Safe & Save, multiple policy, safe vehicle, Steer Clear safe driver discount, and defensive driving training.
- GEICO has savings for driver training, multi-vehicle, air bags, seat belt use, good student, and military active duty.
- Allstate offers discounts for utility vehicle, good student, auto/life discount, good payer, and teenSMART discount.
- SAFECO offers premium reductions for safe driver, anti-lock brakes, multi-car, drive less, and teen safety rewards.
- Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, driver training, multi-vehicle, renewal discount, multi-policy, and good student.
- Progressive has discounts for online signing, multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, and homeowner.
- AAA may include discounts for education and occupation, good student, good driver, pay-in-full, and multi-policy.
Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Savings may not be available in Kansas City. To locate insurers who offer free Chrysler Town and Country insurance quotes in Kansas City, click here.
Just remember that quoting more helps increase your odds of locating a lower rate.
The providers in the list below are our best choices to provide quotes in Missouri. If you want to find cheap auto insurance in Missouri, we suggest you visit several of them to find the lowest auto insurance rates.
Chrysler Town and Country coverage analysis
The coverage information displayed next showcases different insurance prices for Chrysler Town and Country models. Having a better idea how insurance policy rates are figured can benefit drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $176 | $282 | $212 | $12 | $64 | $746 | $62 |
| Town and Country Touring | $200 | $344 | $212 | $12 | $64 | $832 | $69 |
| Town and Country Signature | $200 | $344 | $212 | $12 | $64 | $832 | $69 |
| Town and Country Touring Plus | $200 | $344 | $212 | $12 | $64 | $832 | $69 |
| Town and Country Limited | $222 | $404 | $212 | $12 | $64 | $914 | $76 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in Kansas City which can lower or raise premiums noticeably.
Insurance premiums for males and females
The example below visualizes the comparison of Chrysler Town and Country insurance prices for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Chrysler Town and Country liability rates compared to full coverage
The illustration below illustrates the difference between Chrysler Town and Country auto insurance rates with and without full coverage. The premium estimates are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no set rule for dropping physical damage coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chrysler Town and Country claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Buying from insurance agencies
Certain consumers just want to buy from a licensed agent and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is you may find the lowest rates but still work with a licensed agent. Buying from local insurance agencies is important particularly in Kansas City.
To find an agent, once you fill out this quick form, your coverage information gets sent to companies in Kansas City who will return price quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home since rate quotes are delivered immediately to you. It’s the lowest rates AND a local agent. If for some reason you want to compare rates from a specific car insurance provider, feel free to go to their quote page and submit a quote form there.
Best auto insurance agent in Kansas City
If you are wanting to find a local insurance agency, it helps to know the two different types of agents that you can choose from. Agencies in Kansas City can be described as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Agents in the independent channel are not employed by any specific company so they can quote policies with many different companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. If you need cheaper car insurance rates, we recommend you check rates from a couple of independent agencies so that you have a good selection of quotes to compare. Most independent agents also contract with less well-known companies that may have much lower rates than larger companies.
Featured below are Kansas City independent agencies that can possibly get you comparison quotes.
- McLaughlin Insurance Agency
406 W 34th St #802 – Kansas City, MO 64111 – (816) 931-3341 – View Map - Safeway Insurance Agency
3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. They are well schooled on their company’s products and that can be a competitive advantage. Some insured continue to use the same agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive agencies in Kansas City willing to provide price quotes.
- Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map - Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611 – View Map - Matt Rich Farmers Insurance Agency
5730 N Broadway – Kansas City, MO 64118 – (816) 479-4747 – View Map
Deciding on an insurance agency is decision based upon more than just the price. These are valid questions to ask:
- Where would glass claims be handled in Kansas City?
- Are all drivers listed on the coverage quote?
- Will you work with the agent or an assistant?
- Is there a Errors and Omissions policy in force?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How would your car be valued if totaled?
- Are they involved in claim handling?
- Will high miles depreciate repair valuations?
Specific coverage details
Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.
Medical costs insurance
Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, dental work, X-ray expenses, funeral costs and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, hitting a deer, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM Coverage
This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (25/50/10 in Missouri), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.
Liability auto insurance
Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/10 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage protects against things such as funeral expenses, repair costs for stationary objects, court costs, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Missouri state minimum liability requirements are 25/50/10 but drivers should carry better liability coverage.
The chart below demonstrates why the minimum limit may not be adequate coverage.
Collision coverage
Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like driving through your garage door, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible on your Town and Country in order to get cheaper collision rates.
Don’t give up on cheaper rates
When searching for the cheapest Chrysler Town and Country rate quotes, do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.
Discount Chrysler Town and Country insurance in Kansas City is attainable both online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. A few companies do not provide price quotes online and these small, regional companies sell through independent agents.
We covered a lot of tips how to get a better price on Chrysler Town and Country insurance in Kansas City. It’s most important to understand that the more you quote Kansas City auto insurance, the better your comparison will be. You may even discover the lowest priced insurance comes from the least-expected company.
How to find affordable Chrysler Town and Country insurance in Kansas City
The most effective way to get low-cost Chrysler Town and Country insurance in Kansas City is to compare prices once a year from different companies that sell auto insurance in Missouri.
- Learn about auto insurance and the measures you can control to drop your rates. Many rating criteria that increase rates such as multiple speeding tickets and a less-than-favorable credit history can be controlled by paying attention to minor details.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the new rate quotes to your existing coverage to see if cheaper Town and Country coverage is available in Kansas City. If you can save money, make sure coverage does not lapse between policies.
- Tell your current agent or company to cancel the current policy and submit the required down payment along with the signed application for your new policy. As soon as coverage is bound, put the new proof of insurance paperwork in your glove compartment.
One thing to remember is that you’ll want to make sure you compare the same amount of coverage on each quote request and and to look at every insurance company. This enables an accurate price comparison and a complete rate analysis.
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