Bodily injury and property damage liability
Pays for injuries and damage you cause to other people. We usually recommend 100/300/100 as a floor for homeowners, not the state minimum.
Personal lines
Auto insurance
Liability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.
Sample: $92/mo14 carriers shoppedNo agency fee
Overview
What auto insurance is really for
Missouri requires 25/50/25 liability and matching uninsured motorist limits, and that state minimum is the fastest way to end up paying out of pocket after a three-car pileup on I-435. We start every auto review by looking at what you could actually lose, then build limits around it.
Because Clearpath is independent, we run your driver profile through fourteen carriers at once. A household with a teen driver in Overland Park and a household with two retirees in Brookside almost never get their best rate from the same company, and we can see both answers on one screen.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Uninsured and underinsured motorist
Roughly one in eight Missouri drivers carries no insurance. This is the coverage that pays your medical bills when the at-fault driver cannot.
Collision and comprehensive
Collision handles impact damage. Comprehensive handles hail, theft, flood water and the deer that walks out on Highway 152 in November.
Medical payments
A no-fault pool, usually $5,000 to $10,000, that covers your passengers' ER copays without waiting for a liability decision.
Rental reimbursement and roadside
Inexpensive add-ons that decide whether a two-week body shop wait is an inconvenience or a crisis.
New car replacement and gap
If you financed recently, gap coverage keeps you from owing a lender more than the car is worth after a total loss.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Send us your declarations page
One photo or PDF of your current policy tells us your limits, your discounts and your renewal date.
- 2
We shop fourteen carriers
Same limits, same deductibles, apples to apples. You get a short written comparison, not a sales pitch.
- 3
We tune the limits
We show you what raising liability to 100/300 or moving to a $1,000 deductible actually costs per month.
- 4
You switch when it makes sense
We handle the cancellation paperwork, time it to your renewal and make sure there is no gap in coverage.
Why clients choose us for this
- Hail-heavy Kansas City ZIP codes rated correctly instead of guessed
- Teen driver and good-student discounts applied at the quote stage
- Multi-car, multi-policy and paid-in-full discounts stacked where allowed
- One agent for the claim, not a call center queue
What moves the price
- Driving record
- Tickets and at-fault accidents usually affect rates for three to five years depending on the carrier.
- Vehicle and lienholder
- Repair cost, theft rate and whether a lender requires full coverage all move the premium.
- Garaging ZIP code
- A car parked in the River Market rates differently from the same car parked in Liberty.
- Coverage choices
- Deductibles, liability limits and optional coverages such as rental and roadside.
- Credit-based insurance score
- Permitted in Missouri and Kansas, weighted differently by every carrier, which is exactly why shopping helps.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Home insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.
Umbrella insuranceAn extra million or more of liability sitting above your auto and home policies, for surprisingly little.
Commercial autoVehicles, trailers and hired or non-owned exposure for trades, delivery fleets and service businesses.Auto insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
Rarely. A single hospital stay after a highway crash can exceed the 25/50 bodily injury minimum in an afternoon, and anything above the limit becomes your personal debt. We quote the minimum so you can see it, then show you what 100/300/100 costs.
Expect a meaningful increase, but the range across carriers is wide. Good-student, driver-training and telematics discounts can offset a large share of it, and some carriers rate teens far more gently than others.
No. Hail is a comprehensive claim, which usually carries a lower deductible and, at most carriers, does not affect your rate the way an at-fault collision does.
Most carriers refund unearned premium pro rata. We time the switch so there is no lapse, because a lapse is one of the most expensive things on an insurance record.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.