Category: Auto Insurance

There’s something truly exciting about a spontaneous road trip or a well-planned weekend getaway. While it’s fun to hit the road, we at the Rich Insurance Agency LLC in Kansas City, MO, stress the importance of traveling responsibly.

Regardless of the distance of your journey, you want to ensure that you’re adequately protected by checking your vehicle and having all the necessary documents while traveling.

Inspect your Car

Before proceeding on your road trip, swiftly inspect your car to ensure everything is in fit and proper order. Check your vehicle’s lights, tires, and fluid levels. Make sure your engine oil, brake fluid, power steering fluid, coolant, windshield washer fluid, and transmission fluid are all at their recommended levels. If it’s time for your next oil change, we recommend doing it before your road trip.

Ensure all your headlights, brake lights, reverse lamps, and turn signals function properly. Furthermore, check the tire pressure on all your tires, including the spare tire, to ensure they have the appropriate PSI (refer to your owner’s manual or the inside of your driver’s side door panel to see the recommended PSI for your car’s tires). If one of your tires seems low, there may be a leak, so it would be wise to get it repaired before hitting the road.

Have the necessary documents while traveling.

Ensure you have all the required documents in your car when on the road. No road trip should commence without the following items:

• Your ID or Driver’s license
• Proof of auto insurance
• Vehicle registration
• Your car’s owner’s manual
• Emergency contact phone numbers and information
• Rental contract (if you’re driving a rented vehicle)
• Pen and paper
• Paper maps

Get in touch with us today!

We’re here to assist if you need more tips before traveling or have questions about an auto insurance policy. Call our knowledgeable agents at Rich Insurance Agency LLC in Kansas City, MO.

Although auto insurance is mandatory throughout Missouri, some people choose to ignore the law and drive without coverage. If one of them hits you, you can end up paying for the damages out of pocket. However, if you have the right coverage, you can drive confidently, knowing that your policy safeguards you against uninsured motorists. Uninsured motorist insurance comes with many benefits. Talk to the Rich Insurance Agency LLC team in Kansas City, MO, to add uninsured motorist insurance to your auto policy.

Reimburses Medical Bills

You can receive coverage for related medical expenses if an uninsured motorist hits your car. That includes both you and your passengers. Without this insurance, you might end up paying out of pocket for medical coverage following an accident.

Compensates for Lost Wages

Following a car accident, it’s important to focus on your health. Uninsured motorist insurance typically includes compensation for lost wages. That way, you can focus on fully recovering before you return to work — without worrying about paying your bills.

Covers Car Repairs

Damage caused by an uninsured motorist isn’t typically covered under your collision insurance. Consider adding uninsured motorist insurance to your policy to help you bear the financial burden of accident repairs. Otherwise, you could take a hit to your bank account.

Protects Against Hit-and-Run Accidents

If someone hits your car and drives away, your uninsured motorist coverage may kick in. Although most drivers would never dream of driving away from the scene of an accident, it happens. Isn’t it better to make sure your auto insurance covers this contingency?

Contact an Auto Insurance Agent in Kansas City

These are just some of the benefits of underinsured/uninsured motorist insurance. For more information about how this coverage can protect you and your family, set up a consultation with one of our knowledgeable team members.

Contact an agent at Rich Insurance Agency LLC in Kansas City, MO, to schedule an appointment for a free auto insurance quote today.

If you own or drive a car, then insurance isn’t optional; it is the law. For smart drivers from all over the greater Kansas City, MO area, however, it is also much more than that. From that piece of mind you have before hitting the highway to having that partner when you need them, the Rich Insurance Agency LLC is here to help. 

Coverage and New Car Considerations

Before you buy your next new or used vehicle, make sure you talk to your local Rich Insurance Agency agent first. With so many variations, types of engines, and other factors, insurance can vary considerably from vehicle to vehicle.

Another consideration is the theft rates associated with certain vehicles, such as certain electric start models. While many of these issues have been corrected or fixed, there are still more than a few makes and models that may have red flags and likewise considerably higher coverage rates.

The good news is our team at Rich Insurance can help. For all your auto insurance needs, and before you buy your next car, talk to us first.

Around the Corner or Across the State Stay Safe with the Rich Insurance Agency

It doesn’t matter if you are driving up the block or to the other side of town; riding with a trusted and proven insurance agent is the safe way to go. With insurance plans that fit every type of driving need and with the coverage to keep you and your vehicle safe, Rich Insurance Agency LLC is your Kansas City, MO auto insurance partner.

Call Today To Discuss Your Options

Don’t just deal with any auto insurance agency, but work with a team that has your best interest in mind. Contact us to learn more about how we can help and partner with an agent you can count on at the Rich Insurance Agency today. 

Everyone who drives in Kansas City, MO is required to carry auto insurance. Even nonresidents must carry insurance that conforms to their states’ requirements. Unfortunately, most insurance only protects you if you are found liable in an accident that caused property damage and/or injury to someone else. 

Liability Insurance Is Limited

If you are found to be liable and only carry liability insurance, you don’t even have protection to fix your own car. Adding extra coverage will help protect you in other ways, such as if you are the victim of a theft. At Rich Insurance Agency LLC, we like to help people find the level of protection they’re comfortable with.

Comprehensive Coverage Protects You Against Car Theft

Comprehensive coverage covers the theft of your car and its parts. Your insurance will pay if your car is stolen; if you recover your car but it needs to be repaired; and if your car needs to be repaired because of an attempted theft. 

Comprehensive coverage also offers protection if your car is damaged by a falling tree, a fire, hail, or vandalism. Without the added protection, you will find that you are responsible for repairing or replacing your vehicle on your own.

Do You Have Protection If Someone Steals From Your Vehicle?

Fortunately, you will normally be covered if someone steals personal items from your vehicle. Your personal items are covered under your renters, condo, or homeowners insurance. You are covered up to an agreed amount, and you will have to pay your deductible.

Schedule A Consultation Today

If you are in Kansas City, MO and have any questions about auto insurance, please call Rich Insurance Agency LLC today. You don’t want to be surprised by finding out that you don’t have the coverage you need.

If you are new to Kansas City, MO, and come from a warm climate, we at Rich Insurance Agency LLC need to winterize your car for safety purposes.  Even current residents should check their cars every year.

Winterizing Your Car

Maintenance

Check and change all you can afford.  Check tires’ air, wipers, and transmission fluid when it is actually cold.  A check from last June will not be effective.  The list includes:

• Antifreeze – this is most important to prevent the freezing up of your car.  Your radiator must be able to withstand the cold.  This is probably the MOST important check.
• Air filters  – circulation of air is important to operate your car efficiently in the cold
• Oil – Change your oil to a winter blend so that it will keep your car at the required temperature for your engine.  If you freeze up your engine, you may cause huge expenses.
• Transmission fluid – Make sure it is full and clean.  Use a winter brand if you need to change or add to this fluid.
• Windshield wipers – You need to see clearly in poor conditions.  Make sure your wipers are ready.

Tires

Must have tread – use a ruler and look for at least .03 mm on each tire.  Replace any tires that don’t meet this measurement.  Put your tires with the most tread on the rear.  All-weather tires are best if you intend to stay in an area like Kansas City, MO.  If necessary, you can buy these two at a time. 

Heater

If you must drive any distance at all, your heater MUST work.  This can become a life-saving item in a Kansas City winter.

Supplies

Make sure to include:

• Winter Blanket,
• water and food 
• flares
• sand and shovel.

Gasoline

Keep the car topped off. If you are stuck, you can keep your car warm.

Update Your Auto Insurance

For more tips and for all your insurance needs, reach out to us at Rich Insurance Agency LLC. We are here to help all year round!

Most insurance and financial experts advise individuals to review their auto insurance policy annually. Here at Rich Insurance Agency LLC, providing residents in Kansas City, MO with auto insurance policies, we are often asked why this is recommended.

Here are some common reasons why to review your auto insurance policy every single year:

Reviewing Your Policy Helps to Ensure That Your Coverage Limits Still Meet Your Needs

One of the reasons why you should review your auto insurance policy annually is because reviewing your policy is the best way to ensure that your coverage limits still meet your needs. As your car ages, you may wish to drop coverage, or as medical costs increase, you may wish to increase medical coverage limits on your policy. Reviewing your policy annually ensures that your policy meets your needs today just as much as your policy did a year ago. 

Reviewing Your Policy May Help You to Find Ways You Can Save Money

Another benefit to reviewing your auto insurance policy every year is that you may find ways to save money. You may notice that you have an old address listed on your policy, and updating it may help you save money. You may also notice that your policy does not list you as being married or shows your driveway more miles per year than you do. Having the correct and up-to-date information on your policy may help you to save money. 

In addition to reviewing your auto insurance policy every year, it is also recommended that you briefly compare auto insurance prices to see if you are paying a fair rate for your auto insurance coverage.

Reach Out To Us

If you are looking for a new policy or just want to compare rates in the greater Kansas City, MO area, the team at Rich Insurance Agency LLC would love to assist you. Call us today to obtain an estimate for auto insurance.