Cheap Lexus ES 350 Insurance in Kansas City

It’s a fact that auto insurance companies want to keep you from comparing rates. People who perform rate comparisons will presumably switch auto insurance companies because there are good odds of finding a more affordable policy. A recent survey discovered that people who shopped around saved approximately $70 a month compared to policyholders who never compared rates.

If finding the lowest price for car insurance is why you’re reading this, then knowing how to compare insurance coverage can help make the process easier and more efficient.

To save the most money, the best way to get the cheapest Lexus ES 350 insurance in Kansas City is to begin comparing prices regularly from different companies in Missouri.

Step 1: Spend some time learning about how your policy works and the modifications you can make to keep rates low. Many risk factors that result in higher rates such as your driving record and a substandard credit score can be controlled by making minor changes in your lifestyle. Continue reading for additional ideas to find cheap rates and find overlooked discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.

Step 3: Compare the new rates to your current policy to see if a cheaper price is available in Kansas City. If you can save money and buy the policy, verify that coverage does not lapse between policies.

Step 4: Tell your current company to cancel your existing policy and submit payment and a completed application to your new agent or company. As soon as you receive it, store the certificate verifying proof of insurance in an easily accessible location.

An important note is that you use the same physical damage deductibles and liability limits on each quote and and to get rate quotes from as many companies as possible. This helps ensure the most accurate price comparison and a complete selection of prices.

Our objective in writing this article is to teach you how insurance works and also pocket some savings If you are paying for car insurance now, you will surely be able to find the best rates using the concepts you’re about to learn. Shoppers only have to learn the proper way to find the lowest price from multiple carriers.

The method we recommend to compare car insurance company rates for Lexus ES 350 insurance in Kansas City takes advantage of the fact most of the larger companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is provide a little information including daily mileage, if your license is active, if a SR-22 is needed, and the type of vehicles you drive. Your insurance information is submitted instantly to many highly-rated insurers and you will receive price estimates quickly.

To check Lexus ES 350 insurance prices now, click here and find out if lower rates are available in Kansas City.

The companies in the list below have been selected to offer free quotes in Missouri. To get cheap car insurance in MO, we recommend you visit several of them to get a more complete price comparison.

Statistics and details

The rate information below outlines a range of insurance coverage prices for Lexus ES 350 models. Having a good understanding how insurance policy premiums are determined can assist in making informed decisions.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific Kansas City garaging location which can decrease or increase coverage prices greatly.

Policy deductibles

One of the most common car insurance questions is how low should you set your deductibles. The following insurance rates may aid in understanding how much more you’ll pay when you choose different policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location which can modify price quotes substantially.

Based on the data above, we can derive that using a $250 deductible costs an average of $24 more each month or $288 every year averaged for all ES 350 models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 31 months between claim filings, you would more than likely save some money by going with a higher deductible.

Kansas City insurance discounts for a Lexus ES 350

Companies don’t list every discount in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Professional Organizations – Participating in certain professional organizations is a good way to get lower rates on insurance.
• Accident Forgiveness – Not necessarily a discount, but some companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident without the usual rate increase if you have no claims for a certain period of time.
• Low Mileage Discounts – Keeping the miles down on your Lexus could earn cheaper prices.
• Accident Free – Claim-free drivers have much lower rates compared to drivers with a long claim history.
• Defensive Driver Discount – Taking time to complete a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
• Discounts for Multiple Vehicles – Buying coverage for several vehicles on one policy may reduce the rate for each vehicle.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, insurance companies aren’t that generous.

The diagram below compares Lexus ES 350 car insurance costs with and without discounts. The rates are based on a male driver, no claims or violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

To see insurance companies who offer discounts in Kansas City, click this link.

Insuring your Lexus ES 350 just makes sense

Despite the high cost of buying insurance for a Lexus ES 350 in Kansas City, buying car insurance is required in Missouri but also provides important benefits.

First, the majority of states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability if you drive a vehicle. 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 your Lexus ES 350 has a lienholder, almost every bank will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Lexus at a more expensive rate and force you to pay the higher price.

Third, car insurance protects not only your Lexus but also your financial assets. It will also cover medical bills that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Lexus as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. As of last year, the average driver in Missouri overpays more than $830 a year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Car insurance companies ranked

Finding the highest-rated company can be challenging considering how many different companies sell coverage in Missouri. The company information shown next can help you decide which providers to look at when shopping around.

Top 10 Kansas City Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Kansas City Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Different people need different car insurance coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Every situation is different.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Who is covered when they drive my Lexus ES 350?
• Will my Lexus ES 350 be repaired with OEM or aftermarket parts?
• Is my dog or cat covered if injured in an accident?
• When should I remove comp and collision on my Lexus ES 350?
• If I use my vehicle for business use is it covered?
• Should I bundle my homeowners policy with my auto?
• What does roadside assistance cover?
• Am I covered when driving on a suspended license?
• What if I total my Lexus ES 350 and owe more than it’s worth?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Compare prices but work with a neighborhood Kansas City auto insurance agent

Some people prefer to visit with an insurance agent and there is nothing wrong with that. Professional agents can help you build your policy and help submit paperwork. A nice benefit of comparing auto insurance online is the fact that you can find cheap rate quotes and also buy local. Buying from local agents is important especially in Kansas City.

To find an agent, once you fill out this form (opens in new window), your coverage information is transmitted to insurance agents in Kansas City who will gladly provide quotes to get your business. You won’t need to do any legwork since rate quotes are delivered directly to your email. If you need to get a comparison quote from a specific insurance company, don’t hesitate to jump over to their website and give them your coverage information.

When researching a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they function. Agencies in Kansas City are categorized either independent or exclusive. Either one can write auto insurance policies, but it’s important to point out how they are different since it can affect the type of agent you choose.

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent can quote rates with many companies and that enables them to quote your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.

When comparing auto insurance rates, you absolutely need to get quotes from several independent insurance agents to maximize your price options.

Listed below is a short list of independent insurance agents in Kansas City who can help you get competitive price quotes.

More Kansas City agents

Exclusive Insurance Agents

Agents that choose to be exclusive generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on sales techniques which helps them sell on service rather than price.

The following are Kansas City exclusive agents willing to provide price quotes.

More Kansas City agents

Picking the best car insurance agent requires you to look at more than just the premium amount. These questions are important to ask:

• Can they help ensure a fair claim settlement?
• If you raise deductibles, how much can you save?
• Is every driver in your family covered?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Did they already check your driving record and credit reports?
• Are they giving you every discount you deserve?
• What kind of financial rating does the company have?