If you want to find the absolute lowest rates, then the best way to find affordable auto insurance rates is to compare prices annually from insurance carriers who sell insurance in Kansas City. Price quotes can be compared by following these guidelines.
- Take a few minutes and learn about the coverage provided by your policy and the changes you can make to keep rates down. Many policy risk factors that cause high rates such as accidents, traffic tickets, and a less-than-favorable credit history can be eliminated by making minor driving habit or lifestyle changes.
- Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple sources. Start a quote
- Compare the quotes to your existing policy and determine if there is any savings. If you can save some money and change companies, ensure coverage does not lapse between policies.
- Notify your current company of your intent to cancel your current car insurance policy. Submit payment and a completed application to your new agent or company. Once coverage is bound, put the new certificate of insurance with your vehicle’s registration.
One important bit of advice is that you’ll want to make sure you compare the same amount of coverage on each price quote and and to get rate quotes from as many companies as possible. This guarantees the most accurate price comparison and and a good selection of different prices.
Unbelievably, most consumers renewed their policy with the same company for over three years, and just short of a majority have never compared rates with other companies. Many drivers in Kansas City could save almost $320 each year just by shopping around, but most tend to underestimate how much savings they would realize if they bought a different policy.
Cheap Kansas City Porsche Cayman insurance
When looking for low cost Kansas City auto insurance quotes, there are a couple ways to compare prices from car insurance companies in your area. The simplest method to find the cheapest insurance rates is simply to get online rate quotes.
When price shopping your coverage, comparing all the rates in your area will enable you to find a better price. Not every company allows you to get online Kansas City Cayman insurance quotes, so it’s important to compare prices from the smaller companies as well.
The companies shown below can provide price quotes in Missouri. If multiple companies are listed, it’s a good idea that you compare several of them to find the lowest auto insurance rates.
Auto insurance discounts are available to get cheap rates
Car insurance companies don’t list the complete list of policy discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known discounts that you may qualify for.
- Senior Discount – Seniors may receive reduced rates.
- Federal Government Employee – Employees or retirees of the government could cut as much as 10% off with certain companies.
- Own a Home – Just owning your own home can get you a discount because owning a home demonstrates responsibility.
- Driver Safety – Taking time to complete a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Seat Belt Usage – Requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Low Mileage Discounts – Low mileage vehicles could earn better rates on cars that stay parked.
- Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
- Theft Deterrent System – Cars that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a Kansas City auto insurance quote.
Keep in mind that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.
The chart below shows the difference between Porsche Cayman insurance prices with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Missouri state minimum liability limits, full 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, homeowner, multi-car, marriage, and multi-policy discounts applied.
Companies that may include these money-saving discounts include:
Before purchasing a policy, check with every insurance company to apply every possible discount. Some discounts listed above might not be offered in Kansas City. To locate companies that provide some of the discounts listed above in Kansas City, click here.
Detailed insurance information
The price information shown below outlines different insurance rates for Porsche Cayman models. Learning more about how policy rates are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Cayman S 2-Dr Coupe | $176 | $374 | $266 | $16 | $80 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Kansas City location which can increase or decrease prices significantly.
Higher deductibles save money
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The rates shown below lay out the difference in cost between high and low coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| Cayman S 2-Dr Coupe | $286 | $594 | $266 | $16 | $80 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Cayman S 2-Dr Coupe | $176 | $374 | $266 | $16 | $80 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can increase or decrease auto insurance rates considerably.
Based on the figures above, using a $250 deductible costs approximately $28 more each month or $336 annually than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 27 months between claim filings, you would come out ahead if you elect the higher deductible. The table below illustrates an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
One big caveat is that a higher deductible results in having to pay to pay more out-of-pocket when you have to file a claim. You must have some extra funds in the event you need to pay the deductible.
The illustration below illustrates how your deductible choice and can increase or decrease Porsche Cayman annual premium costs for different age groups of insureds. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
How do Insurance Providers Determine Porsche Cayman Insurance Prices?
When buying car insurance it’s important to understand some of the things that help determine the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can earn you better car insurance rates. Many factors are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, but other criteria are not as apparent such as whether you are married or your vehicle rating.
Do you really need to file those claims? – Companies in Missouri award the lowest premiums to insureds who are not frequent claim filers. If you file a lot of claims you can expect either higher rates or even cancellation. Auto insurance is designed for claims that pose a financial burden.
Pay less if you’re married – Getting married can actually save you money on your car insurance policy. Having a spouse usually means you are more financially stable and statistics prove married drivers get in fewer accidents.
The type of car, truck or SUV you drive affects your rates – The performance level of the vehicle you are buying insurance for makes a big difference in determining your rates. The most favorable rates are usually found on small economy passenger cars, but that’s not the only thing that factors into the final price.
The chart below assumes a single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Porsche Cayman car insurance rates compared to other makes and models that have different performance rating factors.
Increase deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Porsche. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and burglary. Comp and collision deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. The higher the amount the insured is willing to pay, the lower your rates will be.
Porsche Cayman statistical loss data – Insurance companies analyze claim trends for every vehicle to calculate a rate that offsets possible losses. Vehicles that are shown to have higher frequency or amount of claims will have higher rates. The information below illustrates the actual insurance loss data for Porsche Cayman vehicles.
For each insurance policy coverage type, the claim amount for all vehicles combined as an average equals 100. Values that are below 100 suggest a positive loss record, while values that are above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Specific Porsche Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Porsche Cayman 2dr | 183 | 40 | 99 | 36 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Kansas City insurance agencies
Certain consumers still prefer to go talk to an agent and that can be a great decision The biggest benefit of comparing insurance prices online is that you can obtain better rates but also keep your business local.
For easy comparison, once you complete this quick form, your coverage information gets sent to local insurance agents who will return price quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go to you instantly. You’ll get the best rates without requiring a lot of work. If you wish to quote rates for a specific company, don’t hesitate to jump over to their website and give them your coverage information.
Finding the right insurance company is decision based upon more than just a cheap quote. Any agent in Kansas City should be willing to answer these questions.
- Do they get paid more for recommending certain coverages?
- What company holds the largest book of business for them?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is insurance their full-time profession?
- Is the agency involved in supporting local community causes?
- Are claims handled at the agent’s location?
- Does the company have a solid financial rating?
- Does the agency have a positive business rating?
Pick the best auto insurance agent in Kansas City for you
If you want to use a reliable agent, it’s helpful to know the different types of agencies and how they work. Agencies in Kansas City can be described as either exclusive or independent.
Exclusive Car Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. They generally cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on sales techniques which helps them compete with independent agents. A lot of people use the same exclusive agent primarily because of the brand and solid financial strength.
Shown below are Kansas City exclusive insurance agents that can give you comparison quotes.
- Joe Janacaro – State Farm Insurance Agent
5555 NW Barry Rd – Kansas City, MO 64154 – (816) 587-8330 – View Map - David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map - Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 – View Map
Independent Car Insurance Agents
Independent agents do not sell for just one brand so they can insure your vehicles with an assortment of companies and find you the best rates. To move your coverage to a new company, the business is moved internally and you don’t have to do anything. When shopping rates, it’s recommended you compare quotes from a few independent agents to get the most accurate price comparison. Most also have access to small regional insurance companies which may provide better rates.
The following is a list of independent agents in Kansas City that can give you comparison quotes.
- Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Which auto insurance company is best in Missouri?
Buying coverage from the right insurer can be rather challenging considering how many different companies sell coverage in Kansas City. The company rank data in the lists below may help you pick which auto insurance companies to look at buying from.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Top 10 Kansas City Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
You can find cheap coverage
You just learned a lot of information how to reduce Porsche Cayman insurance rates online in Kansas City. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Porsche Cayman insurance quotes. You may even find the lowest rates are with the smaller companies.
Drivers switch companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, policy non-renewal and being labeled a high risk driver. Regardless of your reason for switching companies, switching insurance companies is actually quite simple.
When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. There are many occasions where consumers will sacrifice full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
More learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in Kansas City? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)