Kansas City has many unique neighborhoods and attractions, and is attracting new residents by the day. Employment numbers are rising which is great news for residents as it means the economy is healthy and should remain so for years to come. It is also the first city to host Google’s experimental city-wide fiber-optic network, so everyone in the city should have a great connection! This is excellent news if you’re shopping for car insurance because it’s easier than ever to find all the options for cheap insurance Kansas City has to offer.
Unique auto insurance factors in Kansas City:
- Neighborhood data: Each neighborhood in the city will have certain characteristics that affect insurance rates. For example, some companies will charge lower liability rates in Argentine, while others will be higher in neighborhoods like Muncie or Turner. There are a lot of options, and if you are planning a move be sure to check rates in your new neighborhood beforehand so you know what to expect.
- Crime data: According to the FBI’s database, there were a total of 1,208 motor vehicle thefts in 2012. This has the greatest impact on your rates for comprehensive coverage, so if you need “full coverage” it pays to install an alarm or other anti-theft device in your car.
- Public Transportation: The KCATA bus lines service the city, but they aren’t as extensive as you might hope. Still, if you can commute by bus instead of car you will lower the number of miles you put on your vehicle each year. This can significantly lower your insurance premiums.
- Commute times: The average commute time for residents of the 64120 zip code is almost 45 minutes. This means more time on the road and an increased risk of traffic collision. Keep this in mind if you are one of the 900,000 drivers on the roads in the metro area during peak hours.