View 2007 Kia Rondo Insurance Rates

Trying to find the cheapest auto insurance rates for your Kia Rondo? Have you had enough of paying out the nose to keep your car insured? Your situation is no different than most other consumers.

Due to the fact that there are so many options, it can be hard to choose the cheapest company.

It’s a good idea to take a look at other company’s rates every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest rate for Rondo coverage two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because it’s time to teach you how to use online quotes to save on auto insurance.

How to get insurance price quotes

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quotes to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers submit their information once, and each company can give them a price based on the submitted data. This eliminates the need for quote forms to every company.

To find out what other companies charge click here to start a free quote.

The one downside to using this type of system is you are unable to specify which carriers to receive prices from. So if you prefer to choose specific providers to receive pricing from, we put together a list of insurance companies in your area. Click here to view list.

The method you choose is up to you, but be sure to compare the same quote data on every price quote you get. If you compare different limits and deductibles on each one it will be next to impossible to make an equal comparison. Even a minor difference in coverage limits may cause a big price difference. And when price shopping your coverage, quoting more helps increase your odds of locating lower pricing.

More discounts mean lower-cost premiums

Some providers don’t necessarily list the complete list of policy discounts very clearly, so we break down a few of the more well known and the more hidden discounts that may be available.

  • Online Discount – Some of the larger companies will give a small break for buying your policy on their website.
  • Student in College – Kids living away from home attending college and do not take a car to college may be insured at a cheaper rate.
  • Defensive Driving Course – Completing a safe driver course could cut 5% off your bill if your company offers it.
  • Early Signing – Some insurance companies give discounts for switching companies early. You may see this discount when you get car insurance quotes online.
  • Bundled Policy Discount – If you can combine your auto and homeowners policy with one insurance company you could save nearly 15% which can help you find cheap car insurance.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Safety Restraint Discount – Requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

The best insurance companies and the discounts they provide can be found below.

  • GEICO may offer discounts for multi-policy, membership and employees, five-year accident-free, defensive driver, and multi-vehicle.
  • SAFECO offers discounts for drive less, homeowner, bundle discounts, multi-car, and anti-lock brakes.
  • State Farm includes discounts for multiple autos, passive restraint, good student, Drive Safe & Save, and driver’s education.
  • MetLife discounts include accident-free, multi-policy, defensive driver, good student, and good driver.
  • 21st Century has savings for anti-lock brakes, defensive driver, theft prevention, automatic seat belts, and 55 and older.
  • Progressive offers premium reductions for good student, online quote discount, multi-policy, online signing, continuous coverage, homeowner, and multi-vehicle.

If you need lower rates, check with every insurance company to apply every possible discount. Discounts might not be offered in your area. To see providers that offer multiple discounts, follow this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • Does my insurance cover my expensive audio equipment?
  • Should I get collision insurance on every vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Is my cargo covered for damage or theft?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Smart choices result in lower insurance costs

Multiple criteria are used in the calculation when premium rates are determined. Some are obvious such as your driving record, but others are less obvious like your continuous coverage or your commute time.The best way to find cheaper insurance is to take a look at the different types of things that help determine your premiums. If you know what impacts premium levels, this enables you to make decisions that will entitle you to better insurance rates.

The factors shown below are just a few of the factors used by insurance companies to determine your prices.

  • Men drivers tend to cost more – The statistics show women tend to be less risk to insure than men. It does not mean females are better drivers. Both sexes are in at-fault accidents in similar percentages, but the males have costlier accidents. Men also statistically get more serious tickets like driving under the influence (DUI). Teenage male drivers cause the most accidents and are penalized with high insurance rates.
  • Drive less and get lower costs – Driving more miles annually the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles that do not get driven very much can be on a lower rate level than cars that get driven a lot. Double check that your insurance coverage properly reflects the correct usage. An improperly rated Rondo may be wasting your money.
  • Save money by having high credit – Your credit history is a large factor in determining premium rates. If your credit history is low, you could potentially save money when insuring your 2007 Kia Rondo by taking the time to improve your credit score. Drivers who have high credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.
  • Insurance rates for married couples – Being married may cut your premiums on insurance. Having a spouse demonstrates that you tend to be more mature than a single person and statistics prove drivers who are married file infrequent claims.

Be skeptical of insurance coverage ads

Respected companies like GEICO, State Farm and Progressive regularly use television, radio, and online ads. They all advertise claims that drivers can save some big amount just by switching your policy. It sounds good, but how can they all charge you less for car insurance? This is how they do it.

All companies have specific guidelines for the type of insured that will not have excessive claims. For example, a desirable insured might be described as over the age of 40, has few claims, and has excellent credit. A driver that hits that “sweet spot” will probably get cheap car insurance rates and will also save a lot of money.

Potential customers who cannot meet the ideal profile will probably be forced to pay higher prices which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can confidently state the savings.

Because of this risk profiling, drivers should compare price quotes frequently. It’s impossible to know the company that will give you the biggest savings.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Auto collision coverage

Collision coverage covers damage to your Rondo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like surgery, rehabilitation expenses, funeral costs and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance will cover damage that occurs to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, bail bonds and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2007 Kia Rondo.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Final considerations

When searching for inexpensive car insurance quotes, it’s very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.

We covered many ways to reduce 2007 Kia Rondo insurance auto insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates are with a small local company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Much more information about car insurance is located below: