When you visit Kansas City, you’ll feel a lot of connection with America’s heartland. It’s famous for jazz and blues, barbecue and pioneer history. It’s a significant tourist destination, not to mention a commercial crossroads on the Kansas and Missouri rivers.
Factors like these have given rise to a significant traffic infrastructure system. Therefore, higher driving risks often threaten the area. All Kansas City drivers thus need to protect themselves with adequate car insurance. Let Auto Insurance Discounters help you get covered.
Why Choose Us
Every driver needs a unique car insurance policy. That’s because you, your vehicle and your driving habits come with specific cost risks attached. If you don’t have the right policy, therefore, you might not have the right security behind the wheel. With appropriate coverage, however, you’ll be able to pay for certain vehicle mishaps and protect the value of your car.
By working with Auto Insurance Discounters, you can eliminate uncertainty you might feel regarding the nature and cost of your policy. We can help you choose the coverage that suits your needs for both protection and affordability.
Our Auto Insurance Options
Car insurance can contain many types of financial assistance. We’ll ensure you get adequate protection.
All our policies will start with your state’s minimum insurance requirements. Depending on whether you live in Kansas City, Kansas or Kansas City, Missouri, these requirements might vary.
In Missouri, you must carry:
Liability Coverage:
- $25,000 coverage per person
- $50,000 coverage per accident
- $10,000 property damage coverage
Uninsured/Underinsured Bodily Injury Coverage:
- $25,000 per person
- $50,000 per accident
The Kansas requirements are:
Liability Coverage:
- $25,000 per person
- $50,000 per accident
- $25,000 property damage coverage
Uninsured/Underinsured Bodily Injury Coverage:
- $25,000 per person
- $50,000 per accident
Personal Injury Protection (PIP) Coverage:
- $4,500 per person for medical expenses
- $900 per month for one year for disability/loss of income
- $25 per day for in-home services
- $2,000 for funeral, burial or cremation expenses
- $4,500 for rehabilitation expense
- Disability/loss of income up to $900 per month for one year
- In-home services up to $25 per day for one year
Still, we understand that you’ll likely need more coverage than just the basics. If you need higher liability limits, we can help. Want collision insurance or comprehensive coverage to pay for vehicle damage or need personal injury protection? Look no further.
We’ll calculate the value and risks attached to you and your vehicle. Then, we’ll help you choose expanded policy options to your benefit. Our decades of experience in the insurance industry make it possible for us to expertly pinpoint the right coverage for you at affordable costs.
We Offer SR-22 Certificates
If you commit certain driving offenses, such as DUIs, both Kansas and Missouri might require you to get an SR-22 filing. This form comes from your insurer and proves for the state DMV that you have insurance.
SR-22s might seem simple, but they are not a penalty you want to get. Some insurers will see SR-22s as signals that drivers are too risky to insure. They might raise your premiums or even cancel your policy. That’s a lot of hassle and lost money to deal with.
Auto Insurance Discounters believes all drivers should be able to get affordable coverage, regardless of their driving record, SR-22 requirements or any other mitigating factors. We’ll help you still get the most affordable coverage for your own needs. Don’t hesitate to contact us.
Other Insurance Coverage
Vehicles come in many shapes and sizes. We will gladly help you enroll in specialty coverage for your unique vehicles. We offer:
So, whatever you drive, rest assured you can have coverage. We even offer boat insurance.
Common Auto, Motorcycle and SR-22 Insurance Questions:
Why Do I Need Auto Insurance in Kansas City, Missouri?
Kansas City drivers will always face risks of accidents or other auto-related hazards. But one way they may be able to protect themselves when problems arise is to have auto insurance.
Following accidents, auto insurance may help drivers receive financial assistance to cover vehicle repairs, injury costs and other expenses. Plus, policies may also cover vehicles in case of fires, hail damage, theft or vandalism. Auto insurance coverage may substantially ease a policyholder’s out-of-pocket burden following many unexpected problems.
What Types of Coverage Do Auto Insurance Policies Provide?
Most auto insurance policies offer several types of coverage, including:
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Collision
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Comprehensive
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Liability
Other coverage, such as roadside assistance or gap insurance, may also be available. To learn more about the protection different types of coverage can provide, speak to your Auto Insurance Discounters agent.
How Much Auto Insurance Do I Need?
Missouri drivers are typically required to carry auto insurance with at least minimum levels of coverage included. However, various personal factors may cause you to need higher levels of coverage. To learn more about how different factors may influence your coverage needs, speak to one of our agents.
How Do I Insure a Motorcycle in Kansas City, Missouri?
Motorcycles generally cannot be insured with standard auto insurance, but motorcycle insurance is available. Although motorcycle policies vary, they typically offer collision, comprehensive, liability and UM/UIM coverage, and they may also cover:
Ask your Auto Insurance Discounters agent how motorcycle insurance can protect you and your motorcycle.
Need an SR-22? Speak to an Auto Insurance Discounters Agent
Missouri drivers who commit serious traffic violations, such as DUIs, may be required to get an SR-22 certificate. SR-22s verify for the state that drivers with severe offenses on their records carry auto insurance that meets the state’s minimum coverage requirements.
If you have to get an SR-22 in Missouri, contact Auto Insurance Discounters. We may be able to help you verify your auto insurance coverage and file your certificate.
Get Started Today
Let Auto Insurance Discounters make your experience a seamless one. Our team can usually issue policies quickly and conveniently. We can even insure you over the phone.
Kansas City residents, what are you waiting for? Get started now by filling out a quote form. Or you can call us at (866) 288-6545 for more information. We also have two offices in Kansas City, including a new one on the south side of Missouri side of the city. We are here for you, and ready to help.