It takes a few minutes, but the best way to quote cheaper auto insurance rates in Kansas City is to make a habit of comparing prices annually from providers who provide auto insurance in Missouri.
- Learn about coverages and the things you can control to keep rates down. Many factors that result in higher rates like traffic citations and a not-so-good credit history can be controlled by making lifestyle changes or driving safer.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can quote rates from many different companies.
- Compare the price quotes to your current policy to see if a cheaper rate is available in Kansas City. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Give notification to your current company of your decision to cancel the current policy and submit a down payment along with a completed application to the new insurer. Once received, put the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A good piece of advice is to use the same physical damage deductibles and liability limits on every price quote and to quote with every insurance company. This provides a fair price comparison and plenty of rates choose from.
It’s an obvious conclusion that insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around will most likely switch to a new company because there is a good chance of finding a cheaper policy. A recent car insurance study revealed that consumers who regularly compared rates saved as much as $865 a year as compared to drivers who never shopped around for better prices.
If finding low prices for auto insurance in Kansas City is your ultimate target, learning how to get rate quotes and compare insurance rates can help you succeed in saving money.
Getting quotes for the most affordable car insurance coverage in Kansas City is easy if you know what you’re doing. If you are insured now or are looking for a new policy, take advantage of these tips to buy cheaper car insurance without reducing protection. Drivers just need to learn how to shop for car insurance over the internet.
Finding a lower price on insurance is actually easier than you may think. Consumers just need to spend a little time comparing rates to discover which company has affordable Kansas City car insurance quotes.
Getting free price quotes online is quite simple, and it takes the place of having to drive around to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional abilities that only an agent can give. Drivers can obtain prices from the web but still have the advice of a local agent.
The following companies are ready to provide free quotes in Kansas City, MO. To find the best cheap car insurance in Kansas City, we recommend you visit as many as you can in order to get a fair rate comparison.
Insurance data for a Mazda 6
The price information shown below showcases a range of rate quotes for Mazda 6 models. Learning how insurance prices are calculated can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $160 | $316 | $346 | $20 | $104 | $946 | $79 |
| 6 I SV 4-Dr Sedan | $160 | $316 | $346 | $20 | $104 | $946 | $79 |
| 6 I Touring 4-Dr Sedan | $160 | $316 | $346 | $20 | $104 | $946 | $79 |
| 6 I Touring Plus 4-Dr Sedan | $182 | $316 | $346 | $20 | $104 | $968 | $81 |
| 6 I Touring Plus 4-Dr Sedan | $182 | $316 | $346 | $20 | $104 | $968 | $81 |
| 6 I Grand Touring 4-Dr Sedan | $182 | $372 | $346 | $20 | $104 | $1,024 | $85 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $182 | $372 | $346 | $20 | $104 | $1,024 | $85 |
| 6 S Touring Plus 4-Dr Sedan | $182 | $372 | $346 | $20 | $104 | $1,024 | $85 |
| 6 S Grand Touring 4-Dr Sedan | $182 | $372 | $346 | $20 | $104 | $1,024 | $85 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $182 | $372 | $346 | $20 | $104 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can modify insurance rates substantially.
Higher deductibles save money
A question often asked by Kansas City drivers is at what level do you set your deductibles. The tables below help summarize the difference in cost of buying low and high policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| 6 I SV 4-Dr Sedan | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| 6 I Touring 4-Dr Sedan | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| 6 I Touring Plus 4-Dr Sedan | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| 6 I Touring Plus 4-Dr Sedan | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| 6 I Grand Touring 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 6 S Touring Plus 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 6 S Grand Touring 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| 6 I SV 4-Dr Sedan | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| 6 I Touring 4-Dr Sedan | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| 6 I Touring Plus 4-Dr Sedan | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| 6 I Touring Plus 4-Dr Sedan | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| 6 I Grand Touring 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| 6 S Touring Plus 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| 6 S Grand Touring 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| 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 homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in specific garaging location which can alter price quotes noticeably.
Based on the figures above, using a $250 deductible will cost you roughly $11 more each month or $132 each year than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claim filings, you would save money if you decide on a higher deductible.
Cost difference between full coverage and liability
The information below shows the comparison of Mazda 6 insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your Mazda 6 claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some circumstances where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.
Why you need insurance for your Mazda 6
Even though Kansas City 6 insurance rates can get expensive, maintaining insurance is required in Missouri but it also protects you in many ways.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage 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.
- If your 6 has a lienholder, most banks will require you to have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank may buy a policy for your Mazda at a more expensive rate and force you to reimburse them for the much more expensive policy.
- Insurance safeguards your car and your assets. It will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your 6 more than cancel out the cost, especially if you ever need it. On average, a vehicle owner in Kansas City is overpaying more than $820 a year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.
Learn How to Find Auto Insurance More Affordably
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that aid in calculating the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this enables informed choices that can earn you big savings.
Listed below are a partial list of the pieces used by insurance companies to determine your rates.
Buy as much liability protection as you can afford – The liability section of your policy provides coverage if you are determined to be liable for damages from an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Traffic violations cost more than a fine – Good drivers get better prices as compared to those with violations. Getting just one speeding ticket can increase rates to the point where it’s not affordable. Drivers with dangerous citations like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 form with their state motor vehicle department in order to keep their license.
The chart below demonstrates how citations and accidents raise Mazda 6 premium costs for different ages of insureds. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
Your occupation may affect prices – Occupational choices like doctors, social workers, and medical professionals generally pay the highest average rates in part from job stress and incredibly demanding work hours. On the other hand, careers like professors, historians and performers have lower than average premiums.
Do you really need the extra policy coverages? – There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages for roadside assistance, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
Loss probability for a Mazda 6 – Auto insurance companies analyze the history of losses when they file their rates in each state. Vehicles that the statistics show to have increased claim numbers or amounts will have higher premium rates. The table below outlines the collected loss data for Mazda 6 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Values that are under 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 indicate more frequent claims or an increased probability of a larger loss.
| Specific Mazda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda 6 | 99 | 92 | 112 | 94 | 98 | 94 |
Statistics from IIHS.org for 2013-2015 Model Years
Do I need special coverages?
When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your situation is unique and your car insurance should unique, too.
For example, these questions might point out whether your personal situation would benefit from an agent’s advice.
- Are split liability limits better than a combined single limit?
- Is my babysitter covered when using my vehicle?
- Does my policy cover me if I wreck while driving under the influence?
- Do I need to file an SR-22 for a DUI in Missouri?
- What is roadside assistance coverage?
- Am I covered if I break a side mirror?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- I have good health insurance, so how much medical payments coverage do I need?
- Do all my vehicles need collision coverage?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Find cheaper rates by comparing often
You just learned many tips how you can get a better price on Mazda 6 insurance in Kansas City. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with an unexpected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.
More affordable auto insurance in Kansas City is available from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer internet price quotes and usually these regional carriers prefer to sell through independent agents.
When you buy Kansas City car insurance online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest cost, not the least amount of coverage.
Other articles
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Cheap Kansas City Car Insurance Rates for a Chevrolet Malibu? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for a Ford Escape? (FAQ)
- What Auto Insurance is Cheapest for Good Drivers in Kansas City? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)