When looking for more affordable insurance, are you overwhelmed by the dozens of auto insurance providers in Prairie Village? Kansas consumers have so many providers available that it can quickly become a real difficult job to find the best prices. Everyone knows that Prairie Village is a wonderful place to live, but inflated auto insurance rates makes it very hard to afford enough coverage.

A recent study showed that the vast majority of auto insurance customers in Kansas have purchased from the same company for at least four years, and just under half have never even compared rates from other companies. Consumers in the U.S. could save up to $850 each year by just comparing quotes, but they just don't understand how much savings they would realize if they swap their current policy for a cheaper one.

It's a good idea to compare prices occasionally since rates are constantly changing. Just because you had the lowest rate on auto insurance a few years ago you will most likely find a better price today. Block out anything you think you know about auto insurance because you're going to get a crash course in the fastest way to find better rates and still maintain coverage.

Low-cost auto insurance companies in Prairie Village

The following companies are ready to provide price quotes in Kansas. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Prairie Village
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,176 $588 $98
Dodge Grand Caravan SXT $772 $386 $64
Dodge Ram Crew Cab Sport 4WD $776 $388 $65
Ford Edge Limited AWD $800 $400 $67
Ford Escape XLT 2WD $856 $428 $71
Ford Explorer XLT AWD $1,068 $534 $89
Ford F-150 STX Regular Cab 4WD $632 $316 $53
Ford Focus S 4-Dr Sedan $988 $494 $82
Ford Fusion SE 4-Dr Sedan $1,342 $671 $112
GMC Sierra SLE Extended Cab 4WD $1,242 $621 $104
Honda Accord LX-S 2-Dr Coupe $852 $426 $71
Honda CR-V EX 4WD $758 $379 $63
Honda Civic GX 4-Dr Sedan $998 $499 $83
Hyundai Elantra SE Touring Station Wagon $696 $348 $58
Hyundai Sonata SE 4-Dr Sedan $832 $416 $69
Nissan Altima Hybrid 4-Dr Sedan $946 $473 $79
Toyota Camry Hybrid $1,104 $552 $92
Toyota Corolla XLE $910 $455 $76
Volkswagen Jetta SEL 4-Dr Sedan $922 $461 $77
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in zip code location which can increase or decrease coverage prices substantially.

Auto insurance rates are higher with tickets and accidents

The diagram below shows how traffic citations and at-fault fender-benders influence Kia Optima car insurance rates for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Age-based car insurance rates by gender

The information below visualizes the comparison of premium costs for male and female drivers in Prairie Village. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied on a Chevrolet Malibu LT.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Comparison of full coverage and liability-only policies

The chart below examines Chevrolet Malibu insurance prices with and without physical damage coverage. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, married male driver, and no additional discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no definitive formula of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's say your Chevrolet Malibu settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after the deductible is paid. If premiums are more than $400 a year for full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Affordable rates on insurance with these five discounts

Companies don't always list the entire discount list very well, so we took the time to find a few of the more common and also the more inconspicuous insurance savings. If you do not check that you are getting every discount possible, you're just leaving money on the table.Discount insurance

It's important to note that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it doesn't quite work that way. But any discount will reduce the cost of your policy.

If you would like to see a list of insurance companies that have a full spectrum of discounts in Prairie Village, click here.

Shop online but buy locally

A lot of people would prefer to get advice from a local agent and that is not a bad decision One of the best bonuses of comparing rate quotes online is the fact that you can find cheaper premium rates and also buy local. Buying insurance from local agencies is still important in Prairie Village.

Prairie Village insurance agentsTo make it easy to find an agent, after completing this simple form, the coverage information is sent to insurance agents in Prairie Village that give free quotes to get your business. It makes it easy because there is no need to search for any insurance agencies as quotes are delivered immediately to your email address. It's the lowest rates and work with a local agent. If you want to get a price quote from a specific company, you can always go to their quote page and complete a quote there.

Choose the right car insurance agent

When narrowing the list to find a reputable insurance agent or broker, there are two different agency structures that you can choose from. Prairie Village agents are considered either independent agents or exclusive agents.

Independent Agents (or Brokers)

Independent agents are not limited to a single company and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and you stay with the same agent. If you need lower rates, it's recommended you get rate quotes from independent agents to get the best comparison. They also have the ability to place coverage with small regional insurance companies that may have much lower rates than larger companies.

Exclusive Agents

Agents in the exclusive channel work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Some insured continue to buy from exclusive agents primarily because of high brand loyalty rather than having low rates.

Choosing an auto insurance agent should depend on more than just the quoted price. Any good agent in Prairie Village should know the answers to these questions.

If you feel you receive good responses to any questions you have and a low price estimate, most likely you have located a car insurance agent that will provide insurance coverage. Just understand that you are able to cancel your policy for any reason so don't think that you are obligated to any specific agency indefinitely.

There's no such thing as the perfect car insurance policy

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Everyone's situation is a little different.Car insurance savings

For example, these questions can aid in determining whether your personal situation may require specific advice.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability coverages - Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/10 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, repair bills for other people's vehicles and structural damage. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase higher limits if possible. Kansas requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.

Car Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Audi A6 Hyndai Accent
Acura MDX Kia Rio
Volvo XC60 Chevrolet Sonic
Mercedes-Benz SL Class Kia Optima
Chevrolet Corvette Chrysler 200
Fiat 500 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, funeral costs, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Chrysler 200
Ford F-350 SuperCrew Mitsubishi Lancer
Audi A4 Allroad Nissan Versa
Ford Expedition Nissan Sentra
Chevrolet Silverado 2500 Dodge Charger
Ford F-250 SuperCrew Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

UM/UIM Coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people have only the minimum liability required by law (which is 25/50/10), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision coverages - Collision coverage pays for damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bently Continental GTC
Ford F-150 SuperCrew Maserati Granturismo
Chevrolet Colorado Audi RS7
Ford Edge BMW 6 Series
Mini Cooper Ferrari 458
Ford F-250 SuperCab Nissan GT-R

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a bird, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Maserati Granturismo
Nissan Xterra Audi S7
Volvo V60 BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Infiniti QX50 BMW M6
Smart ForTwo Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistence will pay off

We covered a lot of techniques to lower your insurance premium rates in Prairie Village. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest premium rates are with some of the smallest insurance companies.

More affordable insurance in Prairie Village is attainable from both online companies in addition to many Prairie Village insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not provide rate quotes online and usually these regional carriers provide coverage only through independent agents.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, high rates after DUI convictions, delays in responding to claim requests or even policy cancellation. It doesn't matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

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