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Auto Insurance Information
Affordable Auto Insurance in Kansas City
Car Insurance for Kansas City area, Missouri & Kansas
Why is Auto Insurance Important?
Auto insurance is mandatory in almost all states. It provides coverage for bodily injury and property damage in case of an accident. If you are in an accident without insurance, you can be liable for thousands of dollars in damages and possibly including your license suspension.
What Auto Insurance Coverage Can I Get?
Auto Insurance is broken down in four coverage options:
Liability insurance provides coverage for property damage and bodily injury to the other party in an at-fault accident. Damage to your vehicle is not covered by this policy.
Comprehensive and Collision coverage (also known as full coverage) in addition to liability protection, also insures your car against collision damage, weather related damages, fire, theft and vandalism.
Comprehensive only policy insures your vehicle against damages like theft, fire, weather related and vandalism. Collision coverage does not apply here.
There is also a non-owner insurance,
which provides liability coverage for any vehicle you drive. There are some restrictions on this type of policy, so read your insurance contract carefully.
Who is Insured Under My Auto Insurance Policy?
All drivers listed on the insurance declaration page, unless specifically excluded. Most policies allow permissive use, meaning, you can have someone borrow your vehicle and be insured under your policy. Frequent drivers must be added to your policy – frequent driver is generally considered someone who is driving your car more than once a month.
How is Auto Insurance Calculated?
Auto insurance companies look at many factors to calculate insurance premiums. The biggest factors are your age, driving record, vehicle type, insurance history and your garaging address. If younger drivers are filing more claims, rates for that population segment will be higher.
Some companies go even further, including your mileage driven to work, occupation, education history and credit score. Their loss history shows that generally drivers with good credit are filing fewer claims than drivers with poor credit.
Does My Auto Insurance Cover Me if I Drive Someone Else’s Car?
If you borrow someone else’s car and you are in an accident, the vehicle owner’s insurance is the primary policy that pays on the damages, unless you are excluded on that policy. Your own auto insurance policy may be responsible for excess payments if liability limits are exhausted on the primary policy.
Always make sure the owner of the vehicle has insurance before driving.
What is the Best Auto Insurance Coverage for Me?
The most basic coverage required is liability insurance. This coverage is required in most states, but depending on the state, there are different minimum limits of liability. Liability only insurance will pay for damages and bodily injury caused by your car up to the limits of your policy, however it does not cover your own vehicle if you are at-fault in the accident. If you have comprehensive and collision coverage on your car, then your vehicle is covered regardless which driver was at fault.
Comprehensive and collision coverage is the more expensive than just liability and it comes with a deductible. Deductible is your out of pocket expense to fix or replace your car if you are at-fault in an accident. In some cases when the other driver does not have any insurance or if it's a hit & run, you are still responsible for your deductible. Most common deductible is $500 but some customers choose a higher deductible of $1,000 to save money on the premium.
If you are financing your vehicle, your lender may require you to carry comprehensive and collision coverage for the duration of the loan.
Uber or Lyft Driver? Get the Right Auto Insurance Coverage!
Did you know if you did not notify your insurance company if you are a Uber or Lyft driver that you don't have coverage if you ride sharing app is on, but have not accepted a fare yet? While some ride-share drivers are thinking that Uber or Lyft insurance covers them as soon as they turn on the app, that is not the case. Their insurance only starts when you have accepted the fare. So if you are driving around with the ride-share app turned on and waiting for a fare, you are not insured during that time.
Make sure to let your insurance company know that you are a ride-share driver so your auto policy can be endorsed to allow his type of usage.
Some insurance companies have restrictions when it comes using your personal auto for ride-sharing services like Uber or Lyft and may require you to purchase a commercial policy.
Bargain Insurance Connection can provide you with personal auto insurance policy that covers ride-sharing services too. Let us know when you call us for a quote.
Call us at 816.453.7722 for a free quote or fill out our online quote request.
Insurance for Delivery Drivers:
We offer now coverage for delivery drivers with a personal auto policy. You no longer have to purchase a commercial policy if you are delivering food (i.e. pizza delivery, Uber Eats, Grub Hub). Let us know what you use your vehicle for and we will make sure you are properly insured with cheap auto insurance rates.
We are one quick phone call away and we can have your car insured in minutes with a hassle-free over the phone process or feel free to stop by our office for a more personal insurance experience with one of our friendly agents.
Different Rates for Different Vehicles:
Different vehicles have been assigned symbols based on the risk factors. Some cars are stolen more often than others, other vehicles cause more damage or sustain more damage in an accident and therefore claim payouts could be higher, resulting in higher insurance premiums for those cars. Other reason is the cost to replace a vehicle, luxury cars require premium parts and they come at a cost to insurance companies. The smaller size of the vehicle does not necessarily mean cheaper insurance, since compact cars can allow more bodily injury to the occupants in an accident. These are some factors that go into calculating your insurance premium.
You should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Bargain Insurance Connection will ultimately reward you for putting safety first.
Types of Auto Insurance Coverages and What They Cover:
Liability Only Insurance:
Liability insurance coverage is typically mandatory by state law. Liability insurance coverage will protect you and your assets if you are found liable (responsible) for harming someone else's vehicle or their bodily injury. We can help you determine how much liability coverage is right for you. Failure to maintain enough liability coverage on your vehicle can result in financial ruin should you hit an expensive luxury car. Your auto insurance policy pays only up to the limits you selected. Ask your agent about different coverage options.
Uninsured/Underinsured Motorist Coverage:
- Uninsured Motorist Coverage pays for you medical bills if the at-fault driver does not have auto insurance. In Missouri and Kansas, minimum limits for this coverage is $25,000 bodily injury each person and $50,000 bodily injury per accident.
- Underinsured Motorist Coverage pays for your medical bills if the at-fault driver does have insurance, but their policy limits are not enough to cover all your medical bills. Typically this coverage needs to be higher than the state minimum.
Collision Coverage is part of the comprehensive and collision coverage or more commonly known as "full coverage". Collision coverage pays the damage or replacement of your vehicle after a collision with another vehicle or object. Collision insurance is required by the lender if you are financing your vehicle and it also comes with a deductible. If you own your vehicle outright, this part is optional and in some cases, depending on the value of your vehicle, it may not make financial sense to get.
Comprehensive coverage insures your vehicle against damages other than collision with another vehicle or object. A collision with an animal would fall under this coverage. Damages caused by wind, hail, fire, theft, vandalism or a falling object would be covered from this part of the policy. The comprehensive coverage is part of the complete coverage of your car. However, you can sometimes just purchase the comprehensive coverage and not collision if your vehicle is in storage or not being driven frequently.
Ready for the next step? Get a quote today by calling 816.453.7722 or click the link below for a free quote.
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