Cheapest Subaru Legacy Insurance in Kansas City

The easiest way to get the cheapest car insurance rates in Kansas City is to annually compare prices from insurance carriers in Missouri. You can compare prices by completing these steps.

1. Get an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many risk factors that drive up the price such as traffic violations, accidents, and a negative credit history can be amended by being financially responsible and driving safely. This article provides more ideas to help prevent expensive coverage and find additional discounts.
2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of insurance providers. View companies
3. Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.

The key aspect of shopping around is that you use identical limits and deductibles on every quote and and to look at as many companies as possible. Doing this enables a fair price comparison and the most accurate and complete price analysis.

Shocking but true, over 70% of consumers kept their policy with the same company for well over three years, and approximately 40% of consumers have never shopped around. With the average insurance premium being $1,847, U.S. drivers could save almost $850 every year, but most just don’t grasp how much savings they would realize if they changed companies.

Buying the cheapest auto insurance in Kansas City can initially seem challenging. Essentially every driver who wants cheaper auto insurance most likely will find a cheaper policy. Although Missouri car owners do need to understand how companies price insurance differently because rates are impacted by many factors.

Best companies for cheap Subaru Legacy insurance in Missouri

The car insurance companies shown below have been selected to offer free quotes in Missouri. If multiple companies are listed, we suggest you visit as many as you can to get the most competitive price.

Analysis of coverages

The rate table below outlines different policy rates for Subaru Legacy models. Having a good grasp of how insurance policy premiums are figured can be useful when making smart choices when buying a car insurance policy.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices considerably.

Choosing deductibles

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The premium rates below illustrate the price difference between high and low coverage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific Kansas City garaging location which can modify coverage rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $20 more each month or $240 annually than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claims, you would most likely save money if you choose a higher deductible.

Car insurance rates based on gender in Kansas City

The chart below illustrates the comparison of Subaru Legacy insurance rates for male and female drivers. The data assumes no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The information below shows the difference between Subaru Legacy insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The data is based on no claims or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying full coverage

There is no set rule for phasing out physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Subaru Legacy book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 annually for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

These ten discounts can lower your auto insurance quotes

Auto insurance is not inexpensive, but discounts can save money and there are some available that can dramatically reduce your bill. Some discounts apply automatically when you quote, but a few need to be asked about before you get the savings.

• Good Drivers – Safe drivers can pay as much as 50% less as compared to drivers with claims.
• Driver’s Education for Students – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
• Low Mileage Discounts – Keeping the miles down on your Subaru can qualify you for slightly better prices than normal.
• Early Signing – Some larger companies give discounts for signing up early. It can save you around 10%.
• Savings for New Vehicles – Buying insurance on a new vehicle can save you some money because new vehicles are generally safer.
• Memberships – Participating in a qualifying organization is a simple method to lower premiums when shopping for auto insurance.
• Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
• ABS Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Distant Student – Any of your kids who are attending college and don’t have a car could get you a discount.
• Bundled Policy Discount – When you have multiple policies with the same company you could earn a discount of at least 10 to 15 percent or more.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, nobody gets a free ride.

The information below visualizes the comparison of Subaru Legacy car insurance rates with and without discounts being applied to the rates. The information is based on a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.

Insurance companies that may include these money-saving discounts include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you are trying to find low cost Kansas City car insurance quotes, ask every prospective company which discounts they offer. All car insurance discounts may not apply in Kansas City. To see a list of insurers that offer multiple discounts in Missouri, follow this link.

Auto insurance quotes from neighborhood Kansas City auto insurance agents

Some consumers still like to talk to a local agent and that is recommended in a lot of cases A good thing about comparing rates online is the fact that you can find the lowest rates and also buy local.

After filling out this simple form, your coverage information is submitted to insurance agents in Kansas City that give free quotes for your insurance coverage. There is no reason to search for any insurance agencies due to the fact that quote results will go straight to your inbox. You can find lower rates without the usual hassles of price shopping. If for some reason you want to quote rates from a specific insurance company, feel free to visit that company’s website and submit a quote form there.

Choosing the best insurance company should include more criteria than just the price. These are some questions your agent should answer.

• Do the coverages you’re quoting properly cover your vehicle?
• How would your car be valued if totaled?
• Will the agent or a CSR service your policy?
• Do they specialize in personal lines coverage in Kansas City?
• Do the agents have professional certifications like CPCU or CIC?
• What are their preferred companies if they are an independent agency?
• Did they already check your driving record and credit reports?

Ratings for Kansas City car insurance companies

Insuring your vehicle with the highest-rated insurance provider is hard considering how many choices there are in Kansas City. The information shown below may help you decide which companies you want to consider comparing price quotes 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

Auto insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, theft, fire damage and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, nursing services, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your Legacy resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, driving through your garage door, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Legacy to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/10 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, funeral expenses, court costs, legal defense fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford. Missouri state minimum liability requirements are 25/50/10 but it’s recommended drivers buy better liability coverage.

The illustration below shows why low liability limits may not be high enough to cover claims.

A little work can save a LOT of money

We covered quite a bit of information on how to reduce Subaru Legacy insurance car insurance rates online in Kansas City. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with some of the lesser-known companies.

People change insurance companies for any number of reasons including high rates after DUI convictions, policy cancellation, high prices and even not issuing a premium refund. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Additional detailed information can be found by following these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Auto Insurance Quotes for College Graduates in Kansas City? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)