Are you sick of overpaying and want lower-priced car insurance rates in Overland Park, KS? Overpriced car insurance in Overland Park can bottom out your personal savings and make it impossible to make ends meet. Comparing rate quotes can lower your rates and help to lower your monthly bill.
A recent car insurance study discovered that the vast majority of car insurance customers renewed their policy with the same company for well over three years, and practically 40% of car insurance customers have never compared quotes from other companies. The average driver in Kansas could pocket about $800 a year just by getting comparison quotes, but they just don't understand how much money they would save if they swap their current policy for a cheaper one. With so many companies and agents to choose from, it's nearly impossible to locate the cheapest company.
You should make it a habit to quote other rates periodically since insurance prices trend upward over time. Even if you think you had the best quotes on car insurance a year ago you can probably find a better rate now. Ignore everything you know about car insurance because I'm going to teach you the easiest way to find better rates and still maintain coverage.
The companies shown below are our best choices to provide comparison quotes in Overland Park, KS. If more than one company is shown, it's highly recommended you visit as many as you can to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LS Extended Cab 2WD||$1,162||$581||$97|
|Dodge Grand Caravan SE||$1,148||$574||$96|
|Dodge Ram Quad Cab Laramie 4WD||$1,068||$534||$89|
|Ford Escape XLT 2WD||$940||$470||$78|
|Ford Explorer Limited 4WD||$1,166||$583||$97|
|Ford F-150 XLT Super Cab 4WD||$1,180||$590||$98|
|Ford Focus SES 2-Dr Coupe||$832||$416||$69|
|Honda Accord LX 4-Dr Sedan||$924||$462||$77|
|Honda CR-V EX-L 2WD||$756||$378||$63|
|Honda Civic LX 2-Dr Coupe||$828||$414||$69|
|Hyundai Elantra SE 4-Dr Sedan||$920||$460||$77|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$746||$373||$62|
|Nissan Altima Hybrid 4-Dr Sedan||$1,084||$542||$90|
|Toyota Camry XLE||$1,192||$596||$99|
|Toyota Corolla XRS||$940||$470||$78|
|Volkswagen Jetta S 2.5 Station Wagon||$822||$411||$69|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease price quotes greatly.
Rate comparison for different deductibles
One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The comparisons below lay out the rate differences of buying low and high policy deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$222||$372||$286||$16||$86||$1,007||$84|
|Fusion SE 4-Dr Sedan||$250||$440||$286||$16||$86||$1,103||$92|
|Fusion Hybrid 4-Dr Sedan||$250||$506||$358||$22||$108||$1,269||$106|
|Fusion SEL 4-Dr Sedan||$250||$440||$286||$16||$86||$1,103||$92|
|Fusion Sport 4-Dr Sedan||$250||$440||$286||$16||$86||$1,103||$92|
|Fusion SEL AWD 4-Dr Sedan||$278||$506||$286||$16||$86||$1,197||$100|
|Fusion Sport AWD 4-Dr Sedan||$278||$506||$286||$16||$86||$1,197||$100|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$180||$300||$286||$16||$86||$868||$72|
|Fusion SE 4-Dr Sedan||$204||$354||$286||$16||$86||$946||$79|
|Fusion Hybrid 4-Dr Sedan||$204||$408||$358||$22||$108||$1,100||$92|
|Fusion SEL 4-Dr Sedan||$204||$354||$286||$16||$86||$946||$79|
|Fusion Sport 4-Dr Sedan||$204||$354||$286||$16||$86||$946||$79|
|Fusion SEL AWD 4-Dr Sedan||$226||$408||$286||$16||$86||$1,022||$85|
|Fusion Sport AWD 4-Dr Sedan||$226||$408||$286||$16||$86||$1,022||$85|
|Get a Quote for Your Vehicle Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in Overland Park location which can increase or decrease premiums significantly.
Based on the data above, we can derive that using a $250 deductible will cost you roughly $13 more each month or $156 for a full year than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claims, you would probably come out ahead by selecting a higher deductible.
How to decide to raise your deductibles
|Average monthly premium for $250 deductibles:||$95|
|Average monthly premium for $500 deductibles (subtract):||- $82|
|Monthly savings from raising deductible:||$13|
|Difference between deductibles ($500 - $250):||$250|
|Divide difference by monthly savings:||$250 / $13|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||19 months|
One important caveat is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have to file a claim. That will require some available funds in the event you need to pay the higher deductible.
Cost of full coverage
The illustration below shows the difference between Ford Focus annual premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, single female driver, and no discounts are applied.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you buy full coverage or liability only?
There isn't a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Ford Focus claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If it's costing in excess of $500 annually for full coverage, then it may be the right time to buy liability only.
There are a few situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Driving violations and accidents
The information below demonstrates how citations and at-fault claims drive up Hyundai Sonata car insurance rates for different age categories. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance discounts help lower rates
Not many people think insurance is cheap, but there could be available discounts that many people don't even know exist. A few discounts will be applied at the time of quoting, but some discounts are required to be inquired about before you get the savings.
- Service Members Pay Less - Being on active deployment in the military can result in better rates.
- Membership in Organizations - Being a member of a professional or civic organization is a simple method to lower premiums on your next auto insurance statement.
- Accident Free - Insureds who avoid accidents and claims have much lower rates when compared to bad drivers.
- Multi-line Discount - Companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
- Drivers Ed for Students - It's a good idea to have your young drivers enroll and complete driver's education in high school.
- Government Employee Discount - Active or former government employment may reduce rates when you quote Overland Park car insurance with a few auto insurance companies.
- Savings for New Vehicles - Buying a new car model is cheaper because new model year vehicles keep occupants safer.
As a sidenote, some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, auto insurance companies aren't that generous. But all discounts will help lower your policy premiums.
For a list of companies that offer many of these discounts in Overland Park, click here to view.
Why you need to buy insurance
Despite the high insurance cost in Overland Park, maintaining insurance is required in Kansas but it also protects you in many ways.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to get the vehicle licensed. In Kansas 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.
Second, if you took out a loan on your car, almost every bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle at a more expensive rate and require you to fork over for the expensive policy.
Third, insurance protects both your vehicle and your assets. It will also provide coverage for medical bills for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, your insurance policy will pay to have it repaired.
The benefits of having insurance outweigh the cost, especially with large liability claims. Today the average American driver is overpaying more than $850 per year so shop around at every renewal to help ensure money is not being wasted.
Insurance agencies can help
Some consumers would prefer to talk to an insurance agent and doing that can be a smart decision Good insurance agents can point out coverage gaps and will help you if you have claims. One of the great benefits of getting online price quotes is that drivers can save money and get cheap car insurance rates and still buy from a local agent.
After completing this simple form, your insurance coverage information is immediately sent to agents in your area who will gladly provide quotes for your insurance coverage. There is no reason to contact any insurance agencies because prices are sent to the email address you provide. If you wish to compare rates from a particular provider, you just need to visit that company's website and fill out the quote form the provide.
Finding a good provider shouldn't rely on just the bottom line cost. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- Will the company cover a rental car if your car is getting fixed?
- Can you choose the body shop in case repairs are needed?
- Are they primarily personal or commercial lines agents in Overland Park?
- How many years have they been established?
If you are searching for a reputable agency, there are a couple of different types of agencies and how they operate. Agents in Overland Park are considered either exclusive agents or independent agents. Either type can write car insurance policies, but it's important to point out how they are different since it can affect which type of agent you select.
Exclusive Insurance Agents
Agents of this type have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide other company's prices so they have no alternatives for high prices. Exclusive agencies are usually well trained on their company's products which helps them compete with independent agents.
Shown below are exclusive insurance agents in Overland Park that can give you comparison quotes.
Independent Agents (or Brokers)
Independent agencies do not sell for just one brand and that allows them to write policies with any number of different companies and find the cheapest car insurance rates. If they find a lower price, your agent can switch companies without you having to go to a different agency.
When comparing rates, you will definitely want to compare prices from at least one independent agent in order to have the best price comparison.
Shown below are Overland Park independent insurance agents that are able to give price quotes.