Lower Your 2017 Kia Niro Insurance Quotes

Want the cheapest auto insurance rates for your Kia Niro? Trying to find the cheapest insurance for your Kia Niro can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to price shop coverage on a Kia and find the lowest possible price.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Buying affordable insurance coverage can be fairly easy. Drivers only need to know the best way to shop their coverage around online.

How to lower your insurance cost

Cutting your insurance rates is not rocket science. Consumers just need to take time comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. Experts agree that the best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do repetitive form entry for each company. Completing one form will return price quotes direct from many companies. Just one form and you’re done.
  2. Another way to find more affordable insurance is spending the time to visit each individual company website and fill out a new quote form. For sake of this example, let’s assume you want to view quotes from USAA, Allstate and Travelers. You would need to go to each individual site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing exactly the same coverage information for each quote you get. If your comparisons have different values for each quote it will be next to impossible to truly determine the lowest rate.

More discounts mean affordable premiums

Some providers don’t necessarily list all their discounts very well, so the list below details some of the more common as well as the least known discounts that you can inquire about if you buy insurance coverage online.

  • Home Ownership Discount – Simply owning a home can get you a discount since home ownership requires a higher level of personal finance.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • Club Memberships – Joining a professional or civic organization can get you a small discount on your policy.
  • Online Discount – A few larger online companies will give you a small discount for completing your application on the internet.
  • Switch and Save Discount – A few companies offer discounts for buying a new policy prior to your current policy expiration. You can save around 10% with this discount.
  • Include Life Insurance and Save – Select companies reward you with a break if you buy life insurance from them.
  • Auto/Home Discount – When you combine your homeowners and auto insurance with the same company they may give you a discount of up to 20% and get you affordable insurance coverage.
  • Early Payment Discounts – By making one initial payment rather than paying monthly you may reduce your total bill.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

A few popular companies and their offered discounts are included below.

  • State Farm policyholders can earn discounts including good student, Drive Safe & Save, multiple policy, multiple autos, passive restraint, Steer Clear safe driver discount, and good driver.
  • GEICO has savings for daytime running lights, multi-vehicle, federal employee, defensive driver, and membership and employees.
  • Liberty Mutual may include discounts for safety features, multi-policy, hybrid vehicle, new move discount, and good student.
  • The Hartford offers discounts for defensive driver, bundle, good student, vehicle fuel type, anti-theft, air bag, and driver training.
  • MetLife may offer discounts for accident-free, claim-free, good student, multi-policy, defensive driver, good driver
  • Progressive offers discounts including multi-vehicle, online quote discount, good student, continuous coverage, online signing, multi-policy, and homeowner.

If you are trying to find low cost insurance coverage quotes, ask each company or agent which discounts they offer. Some credits may not apply to policyholders in your state.

Why your insurance costs might be higher

Lots of things are part of the calculation when quoting car insurance. Some are obvious like an MVR report, although some other factors are less obvious such as your credit history or your commute time.

The itemized list below are a few of the things utilized by car insurance companies to help set your rate level.

  • Pleasure use saves money – The more you drive each year the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your declarations sheet is showing the correct usage. A policy that improperly rates your Niro is just wasting money.
  • More people means more accidents – Living in less populated areas of the country can save you money when insuring your vehicles. Urban drivers tend to have more road rage incidents and higher rates of accident claims. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
  • Don’t abuse insurance claims – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies provide discounts to drivers who only file infrequent claims. Your insurance policy is meant to be used in the event of larger claims.
  • Raise coverage deductibles and save – Your deductibles represent how much money you are required to pay if you file a covered claim. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, fire damage, and damage from wind. The more damage repair cost you have to pay, the less money you will pay for insurance for Niro coverage.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • When should I drop full coverage on my 2017 Kia Niro?
  • Am I covered when delivering products for my home-based business?
  • What if I don’t agree with a claim settlement offer?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need replacement cost coverage on my 2017 Kia Niro?
  • Are my friends covered when driving my car?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like doctor visits, surgery and funeral costs. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, hitting a deer, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, legal defense fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage pays for damage to your Niro from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Compare but don’t skimp

Insureds change insurance companies for a variety of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers or even delays in responding to claim requests. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

Cheaper car insurance is attainable both online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer online price quotes and most of the time these small insurance companies work with independent agents.

When shopping online for car insurance, you should never buy poor coverage just to save money. There have been many cases where someone dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

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