Amazingly, a recent NerdWallet.com study showed that a large majority of drivers kept buying from the same company for a minimum of four years, and approximately 38% of consumers have never taken the time to shop around. Many drivers in Kansas City could save up to $300 every year, but they don’t invest the time required to shop their coverage around.
Truthfully, the best way to find affordable auto insurance rates is to do a yearly price comparison from companies in Kansas City. Price quotes can be compared by following these steps.
- Read about how car insurance works and the things you can control to drop your rates. Many rating criteria that drive up the price such as your driving record and a bad credit rating can be controlled by making lifestyle changes or driving safer.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies.
- Compare the new rates to the price on your current policy to see if a cheaper rate is available in Kansas City. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel your current coverage. Submit the signed application along with the required initial payment to your new agent or company. As soon as you can, place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
A good tip to remember is to make sure you’re comparing the same coverage limits and deductibles on every price quote and and to get prices from as many companies as you can. Doing this provides a fair rate comparison and the best price selection.
If you are insured now or need a new policy, use these cost-cutting techniques to reduce premiums and still get good coverage. Locating the best rates in Kansas City is quite easy. Shoppers just have to learn the fastest way to buy insurance over the internet.
The car insurance companies shown below provide free quotes in Kansas City, MO. If you want to find the best auto insurance in Missouri, we recommend you visit several of them to get a more complete price comparison.
Kansas City insurance discounts
Insurance is not inexpensive, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but a few must be asked about before you get the savings.
- Sign Online – A handful of larger companies will give you a small discount for buying a policy and signing up on the web.
- Own a Home and Save – Owning a house in Kansas City can help you save on insurance since owning and maintaining a home is proof of financial responsibility.
- ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
- No Claim Discounts – Kansas City drivers who stay claim-free are rewarded with significantly better rates on Kansas City auto insurance quote in comparison with insureds who have frequent claims or accidents.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Accident Waiver – This one isn’t a discount, but certain companies may permit one accident before your rates go up so long as you haven’t had any claims for a set time period.
- Good Student – Being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will help reduce your overall premium however.
The example below shows the comparison of Chevy Aveo insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.
For a list of companies who offer cheap Chevy Aveo insurance quotes in Kansas City in Kansas City, click here.
Rates and other information
The table below covers a range of insurance premium costs for Chevy Aveo models. Learning a little about how premiums are formulated can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $222 | $478 | $272 | $16 | $82 | $1,070 | $89 |
| Aveo LS 4-Dr Sedan | $222 | $478 | $272 | $16 | $82 | $1,070 | $89 |
| Aveo LT 4-Dr Hatchback | $250 | $478 | $272 | $16 | $82 | $1,098 | $92 |
| Aveo LT 4-Dr Sedan | $250 | $478 | $272 | $16 | $82 | $1,098 | $92 |
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific garaging location which can raise or lower coverage prices greatly.
Higher deductibles save money
One frequently asked question is which deductibles should you choose. The figures shown below outline the premium difference of buying low and high physical damage coverage deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| Aveo LS 4-Dr Sedan | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| Aveo LT 4-Dr Hatchback | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Aveo LT 4-Dr Sedan | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $168 | $330 | $266 | $16 | $80 | $860 | $72 |
| Aveo LS 4-Dr Sedan | $168 | $330 | $266 | $16 | $80 | $860 | $72 |
| Aveo LT 4-Dr Hatchback | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Aveo LT 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates noticeably.
Based on these figures, using a $100 deductible costs approximately $20 more each month or $240 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 20 months between claims, you would probably save some money going with the higher deductible.
Annual premiums for males compared to females in Kansas City
The diagram below compares Chevy Aveo insurance costs for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The information below shows the comparison of Chevy Aveo car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no set rule to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your Chevy Aveo settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying the physical damage deductible. If premiums are more than $500 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Chevy Aveo Insurance Price Factors
An important part of buying insurance is that you know some of the things that aid in calculating your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that may reward you with better insurance rates. Multiple criteria are used in the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are not quite as obvious such as your credit history or your financial responsibility.
- File insurance claims and pay more – Companies in Missouri provide the lowest premiums to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.
- Your address can push rates up or down – Living in a rural area can be a good thing when talking about insurance. Less people living in that area means fewer accidents and lower theft and vandalism rates. Drivers who live in large Missouri cities tend to have more auto accidents and longer commute times. More time on the road means a statistically higher chance of an accident.
- Lower rates for married couples – Your spouse helps lower the price when buying insurance. Having a spouse means you’re more mature and insurance companies like that married drivers tend to file fewer claims.
- Insure car and home with the same company – Most companies give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other company rates to ensure the best deal.
- Annual miles impacts premiums – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that do not get driven very much receive better premium rates than those that get driven frequently. Verify your insurance declarations sheet reflects the correct usage, because it can save money. An incorrectly rated Aveo may be costing you.
Local Kansas City insurance agents
Some consumers prefer to go talk to an agent and that can be a great decision Good agents can answer important questions and give you someone to call. A good thing about price shopping on the web is that drivers can save money and get the best rates but also keep your business local. Putting coverage with local agents is definitely important in Kansas City.
Upon completion of this simple form, the coverage information is submitted to local insurance agents who will give you bids for your business. You won’t even need to leave your computer because quoted prices will be sent to your email. If you want to get a rate quote from a particular provider, you just need to jump over to their website and complete a quote there.
Picking the best insurer should depend on more than just the premium amount. These are some questions your agent should answer.
- Is the agent and/or agency licensed to do business in Missouri?
- Do you work with a CSR or direct with the agent?
- Is auto insurance their primary focus in Kansas City?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which insurance company do they prefer to write with?
- Do they offer accident forgiveness?
- If independent agents, which companies do they recommend?
Upon getting satisfactory answers to your questions and an acceptable price quote, you may have found a company that is professional and can properly service your insurance policy.
How to find a good Kansas City auto insurance company
Buying coverage from the right auto insurance provider can be a challenge considering how many choices there are in Kansas City. The ranking information shown below can help you analyze which car insurance providers you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
The most affordable rates come from being thorough
We just covered a lot of ways to lower your Chevy Aveo insurance premium rates in Kansas City. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Chevrolet Aveo insurance quotes. Consumers may even find the lowest premium rates are with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.
As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
Low-cost Chevy Aveo insurance in Kansas City is available from both online companies and also from your neighborhood Kansas City agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers work with independent insurance agencies.
To learn more, link through to the articles below:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for a Ford Escape? (FAQ)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Kansas City? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Institute)