No car owner loves paying for insurance, in particular when they could lower their rates if they shopped around.
Sadly, the vast majority of drivers kept their policy with the same company for more than four years, and roughly 40% of drivers have never compared rate quotes at all. The average driver in the United States can cut their rates by roughly $850 a year, but they just don't want to find cheap rates by getting comparison quotes. Companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with TV and radio ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.
If you are insured now or just want to save money, use these techniques to save money and still get good coverage. Choosing the best rates in Kansas City can be much easier if you know how to start. Shoppers just need to know the most efficient way to compare rate quotes over the internet.
Earn discounts to get lower-cost Kansas City auto insurance rates
Companies that sell car insurance do not advertise every policy discount very clearly, so the list below contains some of the more common and also the lesser-known credits available to lower your premiums when you buy Kansas City auto insurance online.
- Drivers Education - Require your teen driver to complete a driver education course in school.
- Air Bags and Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- Early Payment Discounts - If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
- Bundle and Save - If you can combine your home and auto policy with the same insurance company you may earn as much as 10 to 15 percent.
- Online Discount - Certain insurance companies will provide an incentive for signing up on your computer.
- Kansas City Homeowners Pay Less - Simply owning a home can get you a discount since owning and maintaining a home is proof of financial responsibility.
- Low Mileage Discounts - Low mileage vehicles can earn lower premium rates on the low mileage vehicles.
Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, that's just not realistic.
A partial list of companies that may include these money-saving discounts include:
Before you buy a policy, ask every prospective company the best way to save money. Savings might not be offered on policies in Kansas City.
The car insurance companies shown below provide free quotes in Missouri. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$192||$302||$346||$20||$104||$964||$80|
|F-150 STX Regular Cab 2WD||$126||$226||$302||$18||$90||$762||$64|
|F-150 XL Super Cab 2WD||$140||$242||$256||$16||$76||$730||$61|
|F-150 XLT Regular Cab 2WD||$126||$236||$302||$18||$90||$772||$64|
|F-150 STX Super Cab 2WD||$162||$282||$360||$22||$108||$934||$78|
|F-150 XL Crew Cab 2WD||$262||$340||$348||$20||$104||$1,074||$90|
|F-150 XLT Super Cab 2WD||$190||$230||$348||$20||$104||$892||$74|
|F-150 STX Regular Cab 4WD||$162||$226||$272||$16||$82||$758||$63|
|F-150 XL Regular Cab 4WD||$158||$236||$250||$14||$74||$732||$61|
|F-150 FX2 Super Cab 2WD||$110||$184||$302||$18||$90||$704||$59|
|F-150 XLT Crew Cab 2WD||$198||$334||$302||$18||$90||$942||$79|
|F-150 XL Super Cab 4WD||$176||$282||$250||$14||$74||$796||$66|
|F-150 XLT Regular Cab 4WD||$176||$294||$302||$18||$90||$880||$73|
|F-150 XL Crew Cab 4WD||$200||$294||$302||$18||$90||$904||$75|
|F-150 STX Super Cab 4WD||$248||$384||$346||$20||$104||$1,102||$92|
|F-150 XLT Super Cab 4WD||$264||$286||$348||$20||$104||$1,022||$85|
|F-150 FX2 2WD||$160||$268||$360||$22||$108||$918||$77|
|F-150 Lariat Super Cab 2WD||$248||$468||$346||$20||$104||$1,186||$99|
|F-150 Lariat Crew Cab 2WD||$162||$274||$280||$16||$84||$816||$68|
|F-150 FX4 Super Cab 4WD||$200||$358||$302||$18||$90||$968||$81|
|F-150 XLT Crew Cab 4WD||$250||$406||$272||$16||$82||$1,026||$86|
|F-150 FX4 4WD||$188||$280||$266||$16||$80||$830||$69|
|F-150 Lariat Crew Cab 4WD||$224||$392||$346||$20||$104||$1,086||$91|
|F-150 SVT Raptor Super Cab 4WD||$188||$280||$266||$16||$80||$830||$69|
|F-150 Lariat Super Cab 4WD||$202||$352||$256||$16||$76||$902||$75|
|F-150 Lariat Crew Cab Platinum 2WD||$236||$448||$274||$16||$82||$1,056||$88|
|F-150 Lariat Crew Cab Harley 2WD||$138||$290||$346||$20||$104||$898||$75|
|F-150 Lariat King Ranch 2WD||$288||$600||$360||$22||$108||$1,378||$115|
|F-150 Lariat King Ranch 4WD||$240||$330||$348||$20||$104||$1,042||$87|
|F-150 Lariat Crew Cab Harley 4WD||$248||$478||$302||$18||$90||$1,136||$95|
|F-150 Lariat Crew Cab Platinum 4WD||$180||$340||$302||$18||$90||$930||$78|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific Kansas City garaging location which can increase or decrease insurance rates substantially.
Comparison of full coverage and liability-only policies
The example below illustrates the comparison of Ford F-150 auto insurance rates with full coverage and liability only. The premiums assume no claims or violations, $250 deductibles, married male driver, and no additional discounts are factored in.
When to drop comp and collision
There is no set guideline for phasing out full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let's say your Ford F-150 settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are paying more than $200 annually for full coverage, then you might want to think about dropping full coverage.
There are some scenarios where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not buy liability only.
Insurance rate increases from tickets or accidents
The diagram below shows how traffic citations and at-fault claims can affect Ford F-150 auto insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
It's not one size fits all
When it comes to buying a policy for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that can help discover if you may require specific advice.
- Am I covered if I crash into my own garage door?
- Does my personal policy cover me when driving out-of-state?
- Are my custom wheels covered?
- Which is better, split liability limits or combined limits?
- Does having multiple vehicles earn me a discount?
- Where can I find DUI or SR-22 insurance?
- What should my uninsured motorist coverage limits be in Missouri?
- How do I insure my teen driver?
If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.
Comparing prices from local Kansas City insurance agencies
Many drivers still prefer to buy from a local agent and that is OK! Professional agents can help you build your policy and will help you if you have claims. A good thing about comparing rate quotes online is you may find cheap car insurance quotes and also buy local.
Upon completion of this short form, your coverage information is immediately sent to agents in your area that can give you free Kansas City auto insurance quotes for your business. It makes it easy because there is no need to contact an agency since price quotes are sent to you instantly. If you have a need to get a price quote for a specific company, just visit that company's website to submit a rate quote request.
Choosing the best company needs to be determined by more than just the bottom line cost. Here are some questions you might want to ask.
- How much will you save each year by using a higher deductible?
- Do they specialize in personal lines coverage in Kansas City?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can you choose the body shop in case repairs are needed?
- Are all drivers listed on the coverage quote?
- Do they reduce claim amounts on high mileage vehicles?
- Are they giving you every discount you deserve?
The following are Kansas City insurers willing to provide comparison quotes for Ford F-150 insurance in Kansas City.
American Family Insurance - Gary Woods Agency Inc.
7211 NW 83 St Ste 140 - Kansas City, MO 64152 - (816) 587-8033 - View Map
Auto insurance 101
Knowing the specifics of auto insurance aids in choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.
Collision coverages - Collision coverage covers damage to your F-150 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your F-150 to get cheaper collision coverage.
Auto liability - This will cover injuries or damage you cause to other people or property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/10 that translate to $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things like bail bonds, medical services and loss of income. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. Missouri requires drivers to carry at least 25/50/10 but it's recommended drivers buy more coverage.
Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-150.
Due to the fact that many Missouri drivers carry very low liability coverage limits (which is 25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical payments - Med pay and PIP coverage reimburse you for expenses like ambulance fees, pain medications, dental work, surgery and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like fire damage, theft, falling objects, vandalism and damage from flooding. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Affordable auto insurance premiums are out there
Cheap Ford F-150 insurance in Kansas City is possible on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and many times these regional carriers work with local independent agents.
Insureds who switch companies do it for a number of reasons such as high prices, denial of a claim, delays in responding to claim requests or even questionable increases in premium. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.
In this article, we presented some good ideas how to find lower-cost Ford F-150 insurance in Kansas City. It's most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with an unexpected company.
- Your Car has been Stolen: Now What? (Allstate)
- What is the Best Cheap Car Insurance in Kansas City, MO? (FAQ)
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- Who Has Affordable Missouri Auto Insurance for Retired Military? (FAQ)
- Who Has Affordable Missouri Auto Insurance for Welfare Recipients? (FAQ)
- Who Has Affordable Auto Insurance for a Hyundai Tucson in Missouri? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teenagers in Missouri? (FAQ)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance FAQ (Trusted Choice)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)