Independence, MO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Independence, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Independence, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Independence, MO Auto Insurance Rates
- Independence, MO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Independence, MO
- Multi Vehicle Insurance Savings in Independence, MO
- How Credit Score Affects Car Insurance Rates in Independence, MO
- How DUI Affects Auto Insurance Premiums in Independence, MO
- Top Auto Insurance Agents Near Independence, MO
- How Driving Violations Affect Auto Insurance Rates in Independence, MO
- Independence, MO Auto Insurance Discounts on Anti Theft Feature
- Independence, MO Auto Insurance Company Reviews
Independence, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Independence, MO with that of other cities in and around Independence.
|Independence||Birmingham||Sugar Creek||Lake Tapawingo||River Bend||Blue Springs|
|Average Insurance Rates||$1,367||$1,406||$1,415||$1,575||$1,554||$1,285|
Independence, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Independence, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Independence, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Independence, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Independence, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Independence, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$355
Savings on 3 Vehicles bundle:$533
Savings on 4 Vehicles bundle:$711
Independence, MO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Independence, MO.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Independence, MO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Independence, MO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Baker Hallstrom||Allstate||1587 NE Rice Rd, Lees Summit, 64086||(816) 792-2060|
|Scott Davidson||State Farm||2866 S State Route 291, Independence, 64057-1208||816-373-0434|
|Chad Mitchell||State Farm||3600 S Noland RD Suite A, Independence, 64055-1569||816-836-0114|
|Epic Insurance||Travelers||4045 NE LAKEWOOD WAY STE 100, LEES SUMMIT, 64064||816-795-6600|
|Dingeldein Insurance Groupe||None||16012 E 23Rd St S, Independence, 64055||None|
|Bill Boykin||Farmers||6520 Raytown Rd, Raytown, 64133||(816) 737-0704|
|Traci Plemons||State Farm||1214 S Noland Rd, Independence, 64055-1322||816-252-6882|
|Alicia Simmons||Liberty Mutual||3340A Ne Ralph Powell Road, Lees Summit, 64064||1-816-525-2613|
|Carol Holder||Farmers||708 NW R D Mize Rd Ste G, Blue Springs, 64015||(816) 229-4343|
|Jim Keal Insurance Agency||None||11308 E 23Rd Street, Independence, 64052||None|
Independence, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$60||$1,427|
|Driver's Failure In Showing Documents||+$133||$1,500|
|Driving With An Expired Registration||+$141||$1,508|
|Driving At A Considerably Slow Pace||+$297||$1,664|
|Using A Cellphone While Driving||+$313||$1,680|
|Running A Red Light||+$319||$1,686|
|Driving A Vehicle Without The Required Permission||+$425||$1,792|
|Driving With An Expired/Suspended License||+$921||$2,288|
Independence, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,312|
|Passive Disabling Device||$1,271|
Latest Auto Insurance Reviews in Independence, MO | Back to Top
THey have been helpful - I use state farm for both, I like my agent and his staff. I am just not sure about the cost anymore.
I would recommend my current car insurance company because my premium and deductible are a fair cost for the services I receive.
It is similar to other companies but cheaper. Therefore, I am really happy about the offerings. I would recommend to others!
MY INSURANCE COMPANY HAS DECENT PLANS AND PACKAGES FOR ALL TYPES OF VEHICLES. I BEEN WITH THEM FOR YEARS AND NEVER HAD A PROBLEM SO FAR
I would recommend simply out of the respect I have for their easy to use website and app. I was able to add a vehicle while sitting in the tag office with no problem.
I like his design because he is very creative, his logo represents a lot of the company and I like his way of working
Im not too smart when it comes to auto insurance as I never had to know the ins and outs. (Im only 19) however, from what every other adult has told me, AAA is the best when it comes to insurance. My family has never had issues with paying too much money.
My insurance agent has personally been great for me, very helpful and informative. The customer support has been among the best things about the car insurance. Overall, I'd rate my satisfaction with these parameters a 4.
There really is nothing that I dislike except for that the rates creep slowly up every 6 months upon renewal, even though I haven't gotten in an accident in 13 years.
The premium I pay is almost half as much as other companies that I checked out. I looked at about half a dozen other providers.