Acquiring Kansas City car insurance is simply a must if you own a car. You can easily get local Kansas City auto insurance quotes, by simply entering your information above. Find companies and carriers that want to offer you their best deals today and all sorts of different auto insurance policy options.
Still, you should never rush into anything. Careful planning and research today and save you a huge amount of hassles and headaches down the road. To learn more about Kansas City and Missouri auto insurance please keep reading. You’ll find important information on rates, agents, laws and more.
Kansas City Car Insurance Agents
Kansas City Allstate Insurance Agents
The Allstate agent website lists 9 agents serving Kansas City, Missouri.
Kansas City Farmers Insurance Agents
Farmers currently has listings for over 50 agents in the Kansas City area, more than almost any other company.
Kansas City Geico Insurance Agents
Geico just has a single agent in all of Kansas City and just two in the whole state of Missouri.
Kansas City Progressive Insurance Agents
Kansas City has 9 Progressive Affiliated agents/brokers selling their auto insurance policies.
Kansas City State Farm Insurance Agents
There are 34 agents in Kansas City who work for State Farm. They can help you with your insurance needs and questions.
Missouri Insurance Agent/Agency Search
Find any licensed agent in Kansas City or any other part of Missouri.
Your insurance agency not listed? If you own an insurance agency that operates in Kansas City and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Kansas City Car Insurance Rates For The Typical Driver
Missouri’s car insurance rates are well below average, yet drivers in Kansas City may not enjoy these savings. According to CarInsurance.com Kansas City drivers pay about the national average for car insurance (approximately $1,450 per year), but pay over $350 a year more than people living in some of the cheaper parts of the state.
How Road And Driving Conditions in Kansas City May Affect Your Insurance Rates
One plausible explanation for the higher insurance rates found among Kansas City residents, compared to other Missouri state residents, has to do with driving conditions and accident rates. On the surface Kansas City seems like a good place to drive. Allstate’s Best Driver Report has found that the accident frequency is 11% below average, with an expected accident only occurring once every 11.5 years.
However, the problem is that when accidents do occur they tend to be very serious. Jackson county which includes most of Kansas City consistently has the highest number of traffic fatalities according to the National Highway Traffic Safety Administration. In 2010 they recorded 76 fatalities, which is over 60% more than the next county. According to the INRIX National Traffic Scorecard the city has some traffic issues, with the I-70 being of particular concern.
Missouri Auto Insurance Laws You Should Know
As a Missouri resident you have to follow Missouri’s auto insurance laws. This means you have to buy at least the minimum amount of insurance required in the state and follow all other regulations too. In terms of insurance minimums, the state has fairly typical requirements. You need to buy both liability and uninsured motorist coverage in the amount of $25,000 per person/$50,000 per accident for bodily injury liability. On top of this you’ll also need property damage libailty coverage of $10,000.
The other important thing to know about auto insurance in Kansas City and Missouri in general is how fault in an accident affects your claim. Unlike neighboring Kansas, Missouri is an at fault state. To be more specific it uses pure comparative negligence when assessing fault and damages. This means that your responsibility and ability to claim damages depends entirely on your degree of fault in an accident.
To learn more about this, and other Missouri auto insurance topics, you should speak to a licensed agent (see above) and/or get in contact with the state insurance department (see link below).
Kansas City Car Insurance Quotes – Your Ticket To Savings
Finding the best car insurance is not as simple as picking out a shirt in a shop. There are some important factors that you need to learn, understand and apply, so that you do not end up with a plan that will suck your funds dry.
Online car insurance quotes are probably your best tool when looking for the right Kansas City car insurance policy for you. You need to compare as many quotes as you possibly can, with many different companies. Most of these companies and carriers offer quotes right their on their website for free.
This kind of service was not available only a few years ago. So taking full advantage of it, is your best course of action. Once you have picked the best company for you in terms of price, do your own research. Read up on the history of the company. Anything scandalous and potentially dangerous will surely make its way to the Internet, and you will be able to read about it easily.
Lastly, when picking a Kansas car insurance carrier, make sure that you meet with an agent from that company and get to know them better. Learn about their services and the way that they treat their customers. If you are satisfied, you can go ahead and start doing business with them.
If there is something about them that makes you uncomfortable, or if you do not like how they treat their customers, then feel free to take your business elsewhere. When it comes to insurance, you can never be too safe and too secure. But it all begins with a free Kansas City car insurance quote, which you can conveniently get right now:
City of Kansas City, Missouri
Automobile Insurance | Missouri Department of Insurance