If you live in Kansas City, MO, or any of the suburbs around, minimum liability auto insurance is a must for anyone that owns a car. There are many people on the road that live in, or are just passing through, the zip codes of 66211, 64069, 64048, and 66201. So, that state law is for your own protection as well as those around you.

That doesn’t mean you have to strain your budget! You can find some of the country’s cheapest auto insurance here that will have the coverage you need. By knowing some of the things that cause auto insurance to be so expensive, you can make some changes to your lifestyle and look for certain things to ask your current auto insurance carrier.

  1. Not all auto insurance companies offer the cheapest auto insurance

Cheap auto insurance may not be at its cheapest obtained from those big-name companies with television ads. Those fancy ads cost and put more overhead in the budget for those guys. Where you live makes a difference, as well. If you live in Leawood, Liberty, Kearney, or the Overland Park areas, your coverage will be less expensive than your cousin living in Dallas, Texas or New York City.

  1. Stay home-grown with your auto insurance company

Simply because the big names in insurance are Allstate, Geico, Progressive and State Farm, doesn’t mean they are better than the less known names. Chances are, using the services of a local insurance company, you will have a greater customer service experience as well as the benefit of a person that will know what the cheapest car insurance is available and the coverage you need.

  1. Discounts aren’t given automatically

Even though insurance companies will advertise they have multi-discount offers, they won’t give them to you automatically. Discounts like bundled insurance with auto and home, multiple cars, paying in advance, improved credit score, online bill paying, etc. often must be asked for by the customer. Don’t be shy – it could save you a lot of money!

4. Full coverage may not be absolutely necessary

If you have paid your car loan off or you have an old car, you really don’t need full coverage. It is a nice thing to have, but it is expensive and if your car is too old, it really won’t pay off in the long run. Your agent is the best person to advise you if full coverage is good for you or if their cheap car insurance is better suited to your needs and budget.