Cheap Insurance Independence

Cheap Insurance Independence

Every played the “Oregon Trail”? Well Independence, Missouri was historically the point of departure for most of the 19th century’s western expansion! The city experienced a boom during the ’50s and ’60s but its population has stayed pretty level since then. There are currently just under 120,000 residents. There a lot of heritage sites, a number of festivals, and some minor-league sports teams, but most residents stay for the hometown vibe. The cost of living is about 12% lower than the national average, with housing costs almost 50% lower! The number of options for cheap insurance Independence offers also contribute to the financial health of the city’s residents.

Some facts about Independence that can influence your insurance rates:

  • The parts of town closer to Kansas City (the western part of Independence) have a higher population density than the rest of the city. This contributes to liability rates because there are usually more cars on the road.
  • Commute patterns usually bring drivers west out of the city toward their jobs in Kansas City. This can present traffic problems in the western part of the city, as well as traffic delays. The more time you spend in your car, and the higher your annual miles, the more you pay for both liability¬†and physical damage coverage.
  • Crime is spread throughout the city, so there aren’t really any hot spots. Unfortunately the city has had some problems with property crime, including auto theft. There was a drop over the past couple years, but 2012 saw a jump in auto thefts, with almost 800 cars stolen.

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