2018 Kia Niro Insurance Rates

Looking for better insurance rates for your Kia Niro? Finding better insurance prices for a Kia Niro can normally be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy insurance and we’ll show you the best way to get price quotes for a new or used Kia and obtain the best price possible from local insurance agents and online providers.

Consumers need to compare premium rates yearly because insurance rates are variable and change quite frequently. Even if you got the best rate on Niro coverage a few years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because we’re going to show you the quickest way to remove unneeded coverages and save money.

The fastest way that we advise to compare rate quotes is to understand car insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide information like the year, make and model of vehicles, how old drivers are, types of safety features, and whether you are married. Your details is instantly provided to multiple companies and they return cost estimate immediately.

If you wish to get multiple quotes for your car now, click here and enter your zip code.

When to get professional advice

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Should I buy only the required minimum liability coverage?
  • Do I need higher collision deductibles?
  • Why am I required to buy high-risk coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage on my 2018 Kia Niro?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance policy coverages for a 2018 Kia Niro

Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability – Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as funeral costs, dental work, nursing services, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Niro resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, backing into a parked car, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Kia Niro.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, fire damage, a broken windshield, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.