Are you doing reasearch to find lower-priced Toyota Sienna insurance in Kansas City? Are you drained from paying out the nose to pay high insurance rates every month? You’re in the same situation as many other Missouri drivers.
It’s shocking but almost 70% of insureds have been with the same company for at least four years, and nearly the majority have never even compared quotes to find cheap rates. Most drivers in Missouri can save hundreds of dollars each year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates. Multiple insurance companies compete for your business, so it can be very hard to choose a company to find the best rates possible on Toyota Sienna insurance in Kansas City.
Consumers need to compare prices as often as possible since prices tend to go up over time. Even if you think you had the lowest rates on Toyota Sienna insurance in Kansas City at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because you’re about to find out the easiest way to eliminate unnecessary coverages and save money on Toyota Sienna insurance in Kansas City.
If you’re already insured or just want a better rate, use these cost-cutting techniques to get lower rates and still get good coverage. Finding affordable insurance coverage in Kansas City seems hard but is not really that difficult. You just need to learn the least time-consuming way to shop their coverage around from multiple carriers.
The most recommended method to compare policy rates for Toyota Sienna insurance in Kansas City is to know the trick almost all companies participate in online systems to provide you with a free rate quote. All you need to do is provide a little information including how your vehicles are used, whether you are single or married, level of coverage desired, and what you do for a living. Those rating factors is then submitted to many of the top insurers and they respond with quotes instantly.
To start a rate quote now, click here and enter your zip code.
The companies in the list below are our best choices to provide price comparisons in Missouri. If you want the cheapest auto insurance in Missouri, we suggest you visit several of them to find the most affordable auto insurance rates.
Discounts can help save money on Toyota Sienna insurance in Kansas City
Not too many consumers would say insurance is affordable, but there may be some discounts that you may not even know about. A few discounts will be applied at the time of quoting, but some discounts are required to be specially asked for before they will apply.
- Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
- Student in College – Youth drivers who live away from home to go to college and do not have a car can be insured at a reduced rate.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for Home Ownership – Owning a house in Kansas City may earn you a small savings because it shows financial diligence.
- Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Auto/Life Discount – Larger companies have a lower insurance rate if you buy some life insurance in addition to your auto policy.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.
As a sidenote, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you aren’t that lucky.
The diagram below shows the comparison of Toyota Sienna auto insurance costs with and without policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, homeowner, and claim-free discounts applied.
If you would like to choose from a list of insurance companies that offer some of these discounts in Kansas City, click this link.
Toyota Sienna insurance rate analysis
The rate information below showcases estimates of policy rates for Toyota Sienna models. Learning how car insurance prices are calculated can be of help when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $126 | $288 | $302 | $18 | $90 | $824 | $69 |
| Sienna LE | $144 | $288 | $302 | $18 | $90 | $842 | $70 |
| Sienna LE AWD | $144 | $288 | $302 | $18 | $90 | $842 | $70 |
| Sienna XLE | $144 | $288 | $302 | $18 | $90 | $842 | $70 |
| Sienna XLE AWD | $144 | $340 | $302 | $18 | $90 | $894 | $75 |
| Sienna Limited | $162 | $340 | $302 | $18 | $90 | $912 | $76 |
| Sienna Limited AWD | $162 | $340 | $302 | $18 | $90 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in vehicle garaging location which can lower or raise insurance rates noticeably.
An analysis of deductible level
One common question asked by Kansas City drivers is how high should the physical damage deductibles be. The comparison tables below outline the cost difference between low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $200 | $414 | $266 | $16 | $80 | $1,001 | $83 |
| Sienna LE | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sienna LE AWD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sienna XLE | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Sienna XLE AWD | $230 | $488 | $266 | $16 | $80 | $1,105 | $92 |
| Sienna Limited | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| Sienna Limited AWD | $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 |
|---|---|---|---|---|---|---|---|
| Sienna CE | $110 | $218 | $266 | $16 | $80 | $690 | $58 |
| Sienna LE | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Sienna LE AWD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Sienna XLE | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Sienna XLE AWD | $128 | $258 | $266 | $16 | $80 | $748 | $62 |
| Sienna Limited | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Sienna Limited AWD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in vehicle location which can influence prices greatly.
Based on these figures, using a $100 deductible could cost the average driver approximately $28 more each month or $336 annually than selecting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 32 months between claim filings, you would save money if you elect the higher deductible.
Gender-based insurance rates in Kansas City
The chart below illustrates the comparison of Toyota Sienna insurance premiums for male and female drivers. The rate quotes are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Five Tips to Get Cheap Kansas City Insurance Prices
Lots of things are part of the equation when you get a price on insurance. Some factors are common sense like your driving record, but some are not quite as obvious like your continuous coverage or how safe your car is. It’s important that you understand a few of the rating criteria that help calculate the price you pay for auto insurance. If you know what determines premiums, this allows you to make good choices that will entitle you to big savings.
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Lower rates come with age – Young drivers in Missouri tend to be inattentive when driving and because of this, their auto insurance rates are much higher. Parents adding a young driver to your auto insurance policy can be quite pricey. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Deter theft and pay less – Buying a car with an alarm system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.
- Know your vehicle’s NHTSA crash test rating – Safer cars tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
- Lower rates for married couples – Being married helps lower the price on your policy. It demonstrates that you tend to be more responsible and insurance companies like that married drivers tend to file fewer claims.
- A good credit rating can save money – An insured’s credit score is a big factor in calculating your premium rate. Therefore, if your credit rating leaves room for improvement, you could save money insuring your Toyota Sienna if you improve your credit rating. Consumers who have high credit ratings tend to file fewer claims than those with bad credit.
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Insurance loss probability for a Toyota Sienna – Insurers use past loss statistics for each vehicle to help calculate premium rates. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have a higher cost to insure.
The next table illustrates the historical insurance loss data for Toyota Sienna vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Percentage values below 100 are indicative of better than average losses, while values that are above 100 indicate more frequent losses or tendency to have higher losses.
Car Insurance Loss Data for Toyota Sienna Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Sienna 2WD 99 88 99 94 98 85 Toyota Sienna 4WD 106 94 102 75 65 73 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Independent versus exclusive auto insurance agents
A small number of people just prefer to go talk to an agent and that is OK! Most agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain cheap rate quotes and still have an agent to talk to.
Upon completion of this form (opens in new window), the quote information is emailed to insurance agents in Kansas City who will give competitive quotes for your auto insurance coverage. You never need to contact any insurance agencies as quotes are delivered to you instantly. In the event you want to get a rate quote from a particular provider, you would need to go to their quote page to submit a rate quote request.
Finding the right insurance company should include more criteria than just a cheap price. Some important questions to ask are:
- Do they get paid more for recommending certain coverages?
- Do they offer rental car reimbursement?
- Are they actively involved in the community?
- Is there a 24/7 contact number?
- Do they regularly work with personal auto policies in Kansas City?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are there any discounts for paying up front?
Not all auto insurance agents are the same
When looking for a reliable agent, it’s helpful to know the different types of agencies that you can choose from. Kansas City agents are considered either independent agents or exclusive agents. Either one can sell auto insurance policies, but it is important to understand the differences since it can affect your agent selection.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only quote rates from one company and examples are Allstate and State Farm. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are trained well on sales techniques which helps offset the inability to provide other markets.
Below are exclusive agents in Kansas City willing to provide rate quotes.
American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map
George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055 – View Map
Independent Agencies or Brokers
These agents can sell policies from many different companies so they can quote policies with a variety of different insurance companies and find the cheapest auto insurance rates. If premiums increase, your agent can just switch to a different company and the insured can keep the same agent.
If you are trying to find cheaper rates, it’s a good idea to contact at least one independent agent in order to have the best price comparison.
Shown below are independent agents in Kansas City that are able to give comparison quotes.
Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
McLaughlin Insurance Agency
406 W 34th St #802 – Kansas City, MO 64111 – (816) 931-3341 – View Map
Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map
After getting answers to your satisfaction to these questions in addition to an acceptable price estimate, you may have just found a car insurance agent that can be relied on to properly insure your vehicles.
Everyone needs different car insurance coverages
When buying adequate coverage, there really isn’t a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if your situation will benefit from professional help.
- Do I need roadside assistance coverage?
- Does insurance cover tools stolen from my truck?
- Why do I need rental car insurance?
- When should my teen driver be added to my policy?
- Are rock chip repairs covered?
- Does my insurance cover a custom paint job?
- What is an SR-22 filing?
- Am I insured when driving a different vehicle?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.
Smart consumers save more
Drivers switch companies for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, questionable increases in premium or even high prices. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.
A few companies don’t offer the ability to get quotes online and these small insurance companies work with independent insurance agents. Cheaper Toyota Sienna insurance in Kansas City is attainable both online in addition to many Kansas City insurance agents, and you should be comparing both so you have a total pricing picture.
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone dropped full coverage and discovered at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
Steps to buying discount Toyota Sienna insurance in Kansas City
If your goal is the lowest price, then the best way to find low-cost car insurance rates is to compare quotes annually from different companies who can sell car insurance in Kansas City.
- Step 1: Try to learn a little about the coverage provided by your policy and the things you can control to prevent high rates. Many factors that result in higher prices such as speeding tickets, careless driving and a substandard credit history can be rectified by making small lifestyle or driving habit changes.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Sienna coverage is available. If you can save some money, make sure there is no coverage gap between policies.
One key aspect when comparing rates is to make sure you’re comparing identical coverage information on each price quote and and to get prices from every insurance company. Doing this guarantees a level playing field and the most accurate and complete price analysis.
More information
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for Used Cars? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Anti-Lock Brake FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)