2009 Kia Borrego Insurance Quotes – 8 Discounts for Best Rates

High-priced insurance coverage can consume your monthly budget and require stricter spending habits. Comparing price quotes can save money and help to make sure you’re not throwing money away.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with fancy advertisements and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to check insurance coverage prices occasionally because prices are variable and change quite frequently. Even if you got the lowest rates for Borrego coverage last year you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the quickest way to eliminate unnecessary coverages and save money.

Ways to get insurance quotes

To get the cheapest auto insurance quotes, there a variety of ways of comparing rate quotes from lots of insurance companies. The best way to find affordable 2009 Kia Borrego insurance rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. The simplest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quotation requests for every company. One simple form gets rate comparisons from multiple low-cost companies.
  2. A more time consuming way to shop for insurance online is to take the time to go to each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want rates from USAA, GEICO and State Farm. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. Even if you have time, the least recommended way of getting rate comparisons is to drive around to different agent offices. Buying insurance online reduces the need to sit down with an agent unless you require the personal advice of a local agency. It is possible to find lower rates online but buy from a local insurance agent.

It’s up to you which method you use, but be certain you are entering equivalent deductibles and coverage limits on every quote you get. If you have different deductibles then you won’t be able to make an equal comparison. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting more affordable rates. Not every company allows you to get online rate quotes, so it’s important to compare price quotes from them, too.

Drivers can save with these eight discounts

Companies offering auto insurance do not list every possible discount very clearly, so the list below gives a summary of some of the more common and the more hidden discounts that may be available.

  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote for Borrego coverage than less cautious drivers.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.
  • Own a Home – Owning your own home or condo may earn you a small savings because of the fact that having a home is proof of financial responsibility.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate, State Farm and GEICO will allow you to have one accident before raising your premiums as long as you don’t have any claims before the accident.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Discount for Swiching Early – Some larger companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Telematics Data Discounts – Policyholders that allow their insurance company to spy on driving patterns by using a telematics device like Allstate’s Drivewise could save a few bucks if their driving habits are good.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison with drivers who are more careless.

One thing to note about discounts is that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

Popular car insurance companies and the discounts they provide can be found below.

  • American Family has savings for TimeAway discount, mySafetyValet, bundled insurance, defensive driver, air bags, good student, and Steer into Savings.
  • Farm Bureau includes discounts for multi-policy, multi-vehicle, youthful driver, good student, safe driver, renewal discount, and 55 and retired.
  • State Farm offers discounts for accident-free, student away at school, good driver, safe vehicle, and defensive driving training.
  • Travelers discounts include early quote, hybrid/electric vehicle, good student, save driver, IntelliDrive, home ownership, and continuous insurance.
  • The Hartford may include discounts for anti-theft, air bag, driver training, defensive driver, good student, and bundle.
  • GEICO may have discounts that include driver training, multi-policy, multi-vehicle, emergency military deployment, military active duty, and anti-lock brakes.
  • Progressive offers discounts including online signing, continuous coverage, good student, homeowner, and multi-policy.

Before you buy a policy, ask every insurance company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders everywhere. To find companies that offer discounts, click this link.

Special considerations

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered when delivering products for my home-based business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive car insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a bird, a broken windshield and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

The bottom line

Cheaper car insurance can be found online as well as from independent agents, and you should compare rates from both to have the best rate selection. There are still a few companies who don’t offer internet price quotes and these smaller companies sell through independent agencies.

When shopping online for car insurance, you should never reduce needed coverages to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The goal is to find the BEST coverage at an affordable rate and still be able to protect your assets.

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