Kansas Citians fancy themselves as barbeque kings and blues connoisseurs. But while Kansas City may literally be in the middle of the action -- it is a stone's throw from the Geographic Center of the US -- local residents often feel left on the sidelines when it comes to shopping for insurance. Whether you seek good health insurance (just in case your eating-three-meals-of-BBQ-a-day-for-ten-years habit comes back to haunt you), or auto, life, homeowners, business, or other kind of coverage, you need help finding Kansas City insurance quotes.
After all, according to reliable statistics, the city can be a dangerous place to live. In 2006, the FBI ranked Kansas City as the 21st most dangerous crime city in the US with populations of 400,000+ people. Living in the heart of Tornado Alley is no picnic either. And even if you can survive the crime, ice storms, floods, and thunderstorms, you still need to contend with more mundane dangers, such as traffic accidents and wear and tear on your home's weather stripping. But don't throw yourself into the Kauffman Stadium Fountains in despair just yet -- with some quality information at your fingertips and general guidelines and principles for how to shop better for insurance, you won't be singing the insurance blues very much longer.
Let a Can-do Spirit Infuse Your Kansas City Insurance Quest
The most common all-risk policy for homeowners is the HO-3 package. In 2007, according to the National Association of Insurance Commissioners, Kansans paid just $726 on average for this kind of policy -- nearly $100 less than the US average of $822. Compare these numbers to the homeowner stats for nearby states of Oklahoma ($1,054) and Texas ($1,448) -- states also besieged regularly by tornadoes, thunderstorms, and ice damage -- and you realize that Kansas's rates are actually almost astoundingly modest.
But it's not time to buy celebratory tickets to the Kansas City Symphony just yet. As discussed above, Kansas Citians face a wide variety of risks that can drive up local homeowners insurance rates. Remember, every time a natural disaster strikes -- from the tornadoes that devastated the area in May 2003 to the Great Flood of 1993 -- insurers recalculate their risk assessments. And depending on what neighborhood you live in -- for instance, if you live in a dangerous section of Brush Creek -- your Kansas City insurance rates could be substantially higher than the average quoted above.
Kansas City Insurance Quotes That Won't Break Your Bank
Insurance companies calculate their rates based on assessments of your riskiness. To that end, whether you need coverage for a small business, protection for your automobile, homeowners insurance, or any other kind of coverage, if you take steps to minimize or downgrade your riskiness, insurers will generally reward you. What steps, precisely are we talking about? For one, if you own a home, pay off more of your mortgage. This will make you look like a more committed custodian of your property. Second, opt for a higher deductible on your policy. Again, this eliminates some of the risk to your insurer. Third, install security features, such as a smoke alarm and burglar alarm in your house, and make improvements to your place by doing things like adding weather proofing, installing storm-proof windows, and getting rid of on-property nuisances that could be dangerous (e.g. trampolines).
A Fountain of Kansas City Insurance Quotes
The so-called City of Fountains may or may not have the second most fountains of any metropolis in the world (after Rome). But good information on local insurance packages can bubble over for you thanks to the simple and free online service of NetQuote. Just fill out one online form and get five (or more) Kansas City insurance quotes back from battle-tested insurance companies to review and contrast. Shopping this way is efficient. And we present information to you in a clean, clear, crisp format so you can make "apples to apples" comparisons among different insurers.