Are you researching low-cost Toyota Camry insurance in Kansas City? Did you come to the realization that you have high-priced Toyota Camry insurance in Kansas City? It's a common feeling and many Kansas City drivers have buyer's remorse.
Unfortunately, about 70% of customers have purchased from the same company for well over three years, and about 40% of consumers have never shopped around. With the average car insurance premium being $1,847, American drivers could pocket almost $859 a year, but they underestimate the rate savings if they swap their current policy for a cheaper one. You have so many auto insurance companies to choose from, and although it's a good thing to have multiple companies, more options can take longer to compare rates and cut insurance costs.
Finding quotes for more affordable auto insurance coverage in Kansas City is not as hard as you think. If you are insured now or just want to save money, you can follow these tips to find better prices and still have adequate protection. Comparison shoppers just have to learn the quickest way to get comparison quotes online from multiple companies.
Companies offering Toyota Camry insurance in Kansas City
The car insurance companies shown below provide price comparisons in Missouri. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can decrease or increase premium rates substantially.
Rate comparison of males versus females
The example below shows the comparison of Toyota Camry car insurance costs for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Don't neglect these discounts on Toyota Camry insurance in Kansas City
Insurance can cost an arm and a leg, but there could be available discounts that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but a few must be specially asked for prior to getting the savings. If you are not receiving all the discounts possible, you may be paying too high a price.
- Driver's Education for Students - Require your teen driver to successfully complete driver's ed class in high school.
- Homeowners Savings - Just being a homeowner may trigger a policy discount on insurance because owning a home is proof of financial responsibility.
- Distant College Student Discount - Children who are attending college and leave their car at home may be insured at a cheaper rate.
- Discount for Life Insurance - Insurance companies who offer life insurance give a lower insurance rate if you buy some life insurance in addition to your auto policy.
- No Charge for an Accident - This one isn't a discount, but companies like Progressive and Allstate will turn a blind eye to one accident without the usual rate increase so long as you haven't had any claims for a specific time period.
- Low Miles Discount - Fewer annual miles on your Toyota can earn lower premium rates due to less chance of an accident.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Despite the appearance that you can get free auto insurance, you won't be that lucky.
A partial list of companies that may offer quotes with some of the above discounts possibly include:
It's a good idea to ask every insurance company how many discounts you can get. A few discounts might not be available to policyholders in Kansas City. If you would like to see a list of insurance companies with significant discounts in Kansas City, click here to view.
Learn How to Lower Your Insurance Rates
Many things are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, although others are not as apparent like where you live and annual miles driven. When buying car insurance it's important to understand the rating factors that come into play when calculating your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that will entitle you to cheaper rates.
Performance influences premiums - The performance of the car you need to insure makes a big difference in your car insurance bill. The lowest base rates are usually found on low performance passenger cars, but the final cost of insurance is determined by many other factors. Since the Toyota Camry is considered a sedan, insuring your vehicle will cost about the same compared to average rates in Kansas City.
Poor driving habits means higher costs - Only having one driving citation can increase the cost of insurance forty percent or more. Drivers who don't get tickets pay less for auto insurance compared to drivers with tickets. People who have severe violations such as DUI or reckless driving might be required by their state to file a SR-22 with their state's department of motor vehicles in order to keep their license.
Companies want multiple policies - Many insurers provide a discount to policyholders that have more than one policy such as combining an auto and homeowners policy. Even if you're getting this discount you still need to get quotes from other companies to guarantee you are still saving the most. You may still be able to find better rates by buying insurance from more than one company.
Insurance companies don't like frequent claims - Insurance companies in Missouri generally give better rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
Your address can impact price - Residing in a small town is a positive aspect when buying car insurance. People who live in big cities regularly have traffic congestion and higher rates of accident claims. Lower population translates into fewer accident claims as well as less vandalism and auto theft.
Toyota Camry insurance loss probability - Auto insurance companies use data from past claims to determine a rate that will be profitable for them. Models that statistically have a trend towards higher claims will be charged more to insure. The table below illustrates the collected loss data for Toyota Camry vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is set at 100. Numbers under 100 suggest a better than average loss history, while values over 100 indicate more frequent claims or a tendency for losses to be larger than average.
Auto Insurance Loss Data for Toyota Camry Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Camry Hybrid||124||100||110||118||127||96|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.
These are some specific questions can aid in determining whether or not you might need professional guidance.
- How much liability insurance is required?
- At what point should I drop full coverage?
- Will I lose any money if I cancel my policy before it expires?
- Can I afford low physical damage deductibles?
- Can my teen driver be rated on a liability-only vehicle?
- Which companies will insure high-risk drivers?
- Is my state a no-fault state?
- Can I still get insurance after a DUI?
- Are my company tools covered if they get stolen?
If you can't answer these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
When should I have guidance from an agent?
Some people would prefer to get advice from a local agent and that can be a great decision Experienced insurance agents can help you choose the best coverages and help submit paperwork. One of the great benefits of comparing rate quotes online is that you can find cheap auto insurance quotes but also keep your business local. Putting coverage with local insurance agencies is still important in Kansas City.
By using this simple form, the quote information gets sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no reason to find an agent on your own because quoted prices will be sent immediately to your email address. If you wish to compare rates for a specific company, you can always jump over to their website and fill out the quote form the provide.
Compare rates from both independent and exclusive car insurance agents
If you are wanting to find a local insurance agency, there are two different types of agencies that differ in how they can insure your vehicles. Kansas City agents can be categorized as either independent or exclusive. Both types can sell affordable auto insurance policies, but it's a good idea to understand the difference in how they write coverage since it can impact the type of agent you choose.
Independent Auto Insurance Agencies
These agents can quote rates with many companies and that allows them to write policies with multiple insurance companies and find you cheaper rates. If they find a cheaper price, the business is moved internally without you having to go to a different agency.
If you are trying to find cheaper rates, you absolutely need to get insurance quotes from at least one independent agent to get the most accurate price comparison.
Shown below are independent agents in Kansas City that may be able to give free rate quotes.
Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 - Kansas City, MO 64116 - (816) 390-4790 - View Map
Agents of this type can only provide pricing for a single company such as Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so it's a take it or leave it situation. They are very knowledgeable on their company's products which aids in selling service over price.
Below are Kansas City exclusive agencies that are able to give price quote information.
Choosing a car insurance agent requires you to look at more than just the price. Ask your prospective agent these questions:
- Do they write coverage based solely on cost?
- Does the company have a solid financial rating?
- Does the agency have a current Errors and Omissions policy?
- Can glass repairs be made at your home?
- Are they properly licensed to sell insurance in Missouri?
- Which insurance companies are they affiliated with?
- How is replacement cost determined on your vehicle?
- Are they able to influence company decisions when a claim is filed?
Do drivers who switch really save $483 a year?
Consumers can't escape the ads that promise big savings for switching from companies such as Progressive, GEICO, Allstate and State Farm. All the ads have a common claim about how much you will save after switching to their company.
How does each company lower your premium rates? Here is the trick they use.
Most companies give the cheapest rates for the right customer that will add to their bottom line. An example of a profitable risk profile could possibly be between the ages of 30 and 50, has other policies, and the vehicle is rated for pleasure use. Any driver who matches those parameters gets the lowest premium rates and will pay quite a bit less when switching companies.
Insureds who do not fit those standards will probably be forced to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "all drivers who get quotes" can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great car insurance rates.
This emphasizes why you really need to do a price quote comparison at every renewal. Because you never know which auto insurance company will have the best rates at this point in time.
Do the work, save more money
People switch companies for a number of reasons such as high prices, policy cancellation, high rates after DUI convictions and extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is not as hard as you think.
While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best cost while still protecting your assets.
You just read a lot of ways to lower your Toyota Camry insurance rates in Kansas City. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may even discover the best rates are with the least-expected company.
Other learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has Cheap Missouri Auto Insurance for Felons? (FAQ)
- What Car Insurance is Cheapest for a Learners Permit in Missouri? (FAQ)
- How Much are Auto Insurance Rates for Low Income Drivers in Missouri? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in Missouri? (FAQ)
- Booster Seat Ratings (iihs.org)
- Medical Payments Coverage (Liberty Mutual)
- Liability Insurance Coverage (Nationwide)