Cheapest Insurance for a Subaru Impreza in Kansas City

The recommended way to find affordable Subaru Impreza insurance in Kansas City is to make a habit of regularly comparing prices from providers who sell insurance in Missouri. Rate comparisons can be done by following these steps.

• First, try to comprehend car insurance and the factors you can control to prevent rate increases. Many things that are responsible for high rates such as tickets, at-fault accidents, and a less-than-favorable credit rating can be eliminated by making minor driving habit or lifestyle changes.
• Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple insurance companies.
• Third, compare the price quotes to the premium of your current policy to determine if you can save on Impreza insurance in Kansas City. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
• Fourth, give notification to your agent or company of your intention to cancel your current auto insurance policy and submit a down payment along with a signed application for the new coverage. Be sure to keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.

One thing to point out is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to look at as many different companies as possible. Doing this helps ensure a level playing field and many rates to choose from.

Unbelievable but true, a large majority of car insurance policyholders have stayed with the same insurance company for at least the last four years, and just short of a majority have never shopped around. Most drivers in Kansas City can save approximately $323 each year by just shopping around, but most tend to underestimate how much savings they would realize if they replace their high priced policy.

Choosing the most cost-effective auto insurance policy in Kansas City is much easier if you know where to start. Practically every driver who requires lower cost auto insurance will probably find a cheaper policy. Nevertheless, Missouri drivers must understand the methods companies use to charge you for coverage.

All the larger insurance companies like State Farm, Allstate and GEICO give coverage price quotes online. Comparing Subaru Impreza insurance rates online is possible for anyone as you just type in the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system sends out for reports for credit and driving violations and returns pricing information.

Using the web to get rate quotes for Subaru Impreza insurance in Kansas City makes it easy to compare insurance prices and it’s also necessary to compare as many rates as possible in order to get the cheapest possible prices on insurance.

To find out what other companies charge, compare rates from the companies below. If you currently have coverage, we recommend you copy the coverage information identical to your current policy. This ensures you will get comparison quotes based on the exact same insurance coverage.

The providers in the list below have been selected to offer free quotes in Kansas City, MO. To buy cheap auto insurance in Kansas City, we recommend you click on several of them to find the most affordable car insurance rates.

Coverage statistics and figures

The price information displayed below highlights different insurance prices for Subaru Impreza models. Having a better idea how car insurance premiums are figured can benefit drivers when making smart choices when selecting a policy.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can revise coverage rates substantially.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The rates shown below may help to conceptualize the price difference of buying low and high comp and collision deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates significantly.

Based on this data, using a $100 deductible costs roughly $21 more each month or $252 for a full year across all Subaru Impreza models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 19 months between claims, you would probably be better off if you choose the higher deductible.

Do you need full coverage?

The diagram below compares Subaru Impreza insurance costs with full coverage and liability only. The prices are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no definitive rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Subaru Impreza settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your deductible. If premiums are more than $300 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.

Subaru Impreza Insurance Rate Factors

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although others are more transparent such as your credit history or your financial responsibility.

Use but don’t abuse your insurance – If you are the type of insured that files lots of claims you can look forward to higher rates. Auto insurance companies in Missouri award the lowest premiums to policyholders who file claims infrequently. Your car insurance is designed for claims that you cannot pay yourself.

Keep the miles off and save – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars that are left in the garage receive better premium rates than cars that get driven a lot. An improperly rated Impreza can cost quite a bit. It’s a good idea to make sure your policy properly reflects the correct usage, because improper ratings can cost you money.

Gender impacts prices – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes cause at-fault accidents at about the same rate, but the men have costlier accidents. They also receive more major tickets like DWI (DUI) or reckless driving. Young males are several times more likely to be in an accident so it costs more to insure them.

The information below illustrates the comparison of Subaru Impreza annual premium costs for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

Vehicles with better crash test results save money – Cars with high safety ratings can get you lower premiums. Highly rated vehicles have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Subaru Impreza earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Qualify for multi-policy discounts – Many auto insurance companies will give a discount for people who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still compare Subaru Impreza rates in Kansas City to verify if the discount is saving money.There is a chance you can save money by buying auto insurance from a different company.

GPS tracking and theft deterrents reduce premiums – Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.

Big city or small town – Being located in areas with lower population is a good thing when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates. Drivers in populated Missouri areas have to deal with much more traffic and higher rates of accident claims. Higher commute times statistically corresponds to a higher accident and claim rate.

High deductibles cost less – Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims are collision with another vehicle, vandalism, and rolling your vehicle. Deductibles for physical damage define how much the insured will be required to pay before a claim is paid by your company. The more the insured is willing to pay, the bigger discount you will receive.

Insurance loss data for a Subaru Impreza – Auto insurance companies analyze claim trends for every vehicle to calculate a price that offsets possible losses. Models that statistically have higher claim frequency or loss amount will be charged more to insure.

The next table illustrates the collected loss data for Subaru Impreza vehicles. For each coverage category, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers below 100 suggest a better than average loss history, while values over 100 show a trend for more claims or a tendency for losses to be larger than average.

Insuring your Subaru vehicle just makes sense

Despite the high insurance cost for a Subaru Impreza in Kansas City, insuring your vehicle may not be optional for several reasons.

First, most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. 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 you have a lien on your Subaru Impreza, it’s most likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Subaru for a lot more money and make you pay for the much more expensive policy.

Third, insurance protects not only your Subaru but also your assets. Insurance will also pay for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having auto insurance are without a doubt worth the cost, particularly if you ever have a claim. Today the average American driver overpays more than $850 per year so you should quote rates every year to be sure current rates are still competitive.

Missouri car insurance companies ranked

Picking the top company can be rather challenging considering how many companies there are in Kansas City. The rank data shown next may help you select which auto insurers to look at purchasing from.

Top 10 Kansas City Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top 10 Kansas City Car Insurance Companies Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Allstate
7. Safeco Insurance
8. 21st Century
9. Travelers
10. Titan Insurance