There isn't anyone who likes having to buy auto insurance, especially knowing their premiums are too high.
Unbelievable but true according to a study nearly 70% of drivers kept their policy with the same company for a minimum of four years, and nearly 40% of drivers have never quoted rates to find cheap coverage. The average driver in Missouri could save up to $300 a year just by getting comparison quotes, but they underestimate the rate savings if they moved their coverage to a different company. You have multiple auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, having more insurers makes it harder to find a good deal for Toyota Corolla insurance in Kansas City.
It's a great practice to compare prices before your next renewal due to the fact that insurance prices are variable and change quite frequently. If you had the lowest quotes on Toyota Corolla insurance in Kansas City on your last policy a different company probably has better rates today. Block out anything you think you know about auto insurance because we're going to demonstrate the best way to find great coverage at a great price.
Toyota Corolla insurance discounts in Kansas City
Some insurers don't always list every possible discount in a way that's easy to find, so the below list has some of the best known and the more hidden car insurance savings. If you do not double check each discount you qualify for, you are just wasting money.
- Anti-lock Brake Discount - Cars equipped with ABS or steering control are safer to drive and will save you 10% or more on Corolla insurance in Kansas City.
- Renewal Discounts - Some car insurance companies reward drivers for switching to them prior to the expiration date on your current Corolla insurance policy. It could save around 10% when you buy Kansas City car insurance online.
- Onboard Data Collection - Policyholders that allow data collection to spy on vehicle usage remotely such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease as long as they are good drivers.
- Discount for New Cars - Putting insurance coverage on a new Corolla can save up to 30% compared to insuring an older model.
- Kansas City Homeowners Discount - Owning a home in Kansas City can earn you a little savings because owning a home means you have a higher level of financial diligence.
- Air Bag Discount - Factory air bags may earn rate discounts as much as 30%.
- Student in College - Kids who are enrolled in higher education away from home and do not have a car can receive lower rates.
- Save with More Vehicles Insured - Purchasing coverage when you have multiple cars on one policy could earn a price break for each car.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you aren't that lucky.
The best car insurance companies and some of the premium reductions they offer are:
- Farmers Insurance may include discounts for bundle discounts, early shopping, alternative fuel, electronic funds transfer, and mature driver.
- Esurance may have discounts that include online quote, defensive driver, multi-car, emergency road assistance, good driver, and claim free.
- State Farm policyholders can earn discounts including multiple policy, defensive driving training, safe vehicle, Steer Clear safe driver discount, good driver, multiple autos, and passive restraint.
- GEICO has savings for military active duty, multi-vehicle, anti-theft, seat belt use, driver training, membership and employees, and multi-policy.
- Allstate discounts include multi-policy, utility vehicle, safe driver, resident student, eSmart discount, and good payer.
Before buying, ask all companies you are considering how many discounts you can get. Discounts may not be offered in your state. To locate companies who offer free Toyota Corolla insurance quotes in Missouri, click this link.
The quickest method we recommend to get rate comparisons for Toyota Corolla insurance in Kansas City is to know all the major auto insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is provide a little information such as how you use your vehicles, how many miles driven, the make and model of your vehicles, and the ages of drivers. That rating data is instantly submitted to multiple auto insurance providers and they return cost estimate instantly to find the best rate.
To check Toyota Corolla insurance prices now, click here and complete the quick form.
The providers in the list below are our best choices to provide comparison quotes in Kansas City, MO. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Kansas City garaging location which can modify premium rates significantly.
Physical damage deductible comparison
The diagram below illustrates how your deductible choice and can impact Toyota Corolla insurance premiums for different age groups of insureds. The costs are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Comparison of auto insurance rates by gender
The example below illustrates the comparison of Toyota Corolla car insurance rates for male and female drivers. The data assumes no violations or accidents, comp and collision included, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Insurance agents can help
Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different.
For instance, these questions might help in determining whether or not you could use an agent's help.
- Why does it cost so much to insure a teen driver in Kansas City?
- Am I covered if I crash into my own garage door?
- Will I lose any money if I cancel my policy before it expires?
- Should I drop comprehensive coverage on older vehicles?
- Does my personal policy cover me when driving out-of-state?
- Is my teenager covered with friends in the car?
- What vehicles should carry emergency assistance coverage?
- If my pet gets injured in an accident are they covered?
- Are my company tools covered if they get stolen?
If you don't know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.
Local Kansas City insurance agents
A lot of people still like to sit down and talk to an agent and there is nothing wrong with that. Good agents can help determine the best coverages and give you someone to call. One of the benefits of getting free rate quotes online is that you can find better rates and also buy local. Putting coverage with local agents is definitely important in Kansas City.
After completing this quick form, the quote information is submitted to companies in Kansas City that can provide free Kansas City car insurance quotes for your insurance coverage. You don't have to drive around as quotes are delivered immediately to your email address. If you need to compare rates for a specific company, you would need to navigate to their website to submit a rate quote request.
If you want a good insurance agency, you should know the types of agencies and how they operate. Agents in Kansas City are categorized either exclusive or independent. Either type can write policy coverage, but it's important to know how they differ because it can impact your selection of an agent.
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company and that enables them to quote your coverage through many companies and help determine which has the cheapest rates. If prices rise, they can switch companies in-house and you stay with the same agent.
When comparing insurance rates, you absolutely need to compare quotes from a few independent agents to ensure the widest selection of prices.
Below is a short list of independent agents in Kansas City that can possibly get you competitive price quotes.
Exclusive Insurance Agents
Agents of this type normally can only provide a single company's rates and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so they have no alternatives for high prices. They are trained well on the products they sell which can be an advantage.
Below are Kansas City exclusive insurance agents who can help you get price quote information.
Finding a good insurance agent shouldn't rely on just a cheap price quote. Any agent in Kansas City should be forthright in answering these questions:
- Do they carry Errors and Omissions coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- How many years of experience in personal auto insurance do they have?
- Which companies do they recommend if they are an independent agency?
- Do they have any clout with companies to ensure a fair claim settlement?
- How are claims handled?
- Can you use your own choice of collision repair facility?
- Is vehicle mileage a factor when determining depreciation for repairs?
Why do I need car insurance?
Even though it can be expensive, insurance is mandatory in Missouri but it also protects more than you think.
- Most states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance coverage in order to get the vehicle licensed. 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.
- If your Corolla has a loan, almost all lenders will require you to have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Toyota at a much higher premium rate and force you to pay for the expensive policy.
- Insurance protects your car and your assets. It will also reimburse you for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $820 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.
Insurance policy coverages for a Toyota Corolla
Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Toyota Corolla.
Since a lot of drivers have only the minimum liability required by law (which is 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, ambulance fees, pain medications and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for liability
Liability coverage protects you from damage or injury you incur to other's property or people in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/10 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for claims such as loss of income, bail bonds and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. Missouri requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.
Coverage for collisions
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like scraping a guard rail, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible on your Corolla in order to get cheaper collision rates.
How much can you save?
Throughout this article, we presented quite a bit of information on how to compare Toyota Corolla insurance prices in Kansas City. The key thing to remember is the more you quote Kansas City car insurance, the higher your chance of finding inexpensive Kansas City car insurance quotes. You may even be surprised to find that the biggest savings come from an unexpected company.
As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.
Budget-conscious Toyota Corolla insurance can be bought online and from local agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer online rate quotes and these regional insurance providers work with independent insurance agents.
Additional detailed information is available at these sites:
- How do I File a Claim? (Insurance Information Institute)
- What is the Best Cheap Car Insurance in Kansas City, MO? (FAQ)
- What is the Cheapest Car Insurance in Jefferson City, Missouri? (FAQ)
- Who Has Affordable Missouri Car Insurance Rates for a Honda Accord? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Missouri? (FAQ)
- Who Has Affordable Missouri Auto Insurance Quotes for Homeowners? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Missouri? (FAQ)
- How Much is Missouri Auto Insurance for Drivers Over Age 50? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Airbag FAQ (iihs.org)