Consumers have many options when looking for the lowest priced Kia Borrego insurance. You can either waste hours calling around trying to get quotes or utilize the internet to compare rates. There is a better way to compare auto insurance rates so you’re going to learn the proper way to compare rates on a Kia and obtain the cheapest rates from local insurance agents and online providers.
Finding the best rates is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using these tips. But drivers must learn how the larger insurance companies price online insurance and apply this information to your search.
Low Cost Auto Insurance
There are several ways you can shop for auto insurance but one way is less time-consuming than others. You can spend countless hours talking about coverages with insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
Many insurance companies belong to a marketplace that allows shoppers to complete one form, and each company can provide price quotes for coverage. This eliminates the need for repetitive form submissions for every auto insurance company.
To fill out one form to compare multiple rates now click to open in new window.
The one disadvantage to pricing coverage this way is that consumers can’t choose which companies you want pricing from. So if you want to select specific providers for rate comparison, we have a page of the cheapest auto insurance companies in your area. Click to view list.
Whichever way you use, ensure you’re using apples-to-apples coverage information on every quote you get. If the quotes have differing limits it will be next to impossible to truly determine the lowest rate. Just a small difference in limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices helps locate a better price.
Discounts can save BIG
Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known savings tricks you should be using.
- More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
- Drive Less and Save – Fewer annual miles on your Kia can earn discounted rates on garaged vehicles.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
- New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- No Accidents – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Borrego coverage than their less cautious counterparts.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for better auto insurance rates for Borrego coverage.
- Government Employees – Employees or retirees of the government may qualify you for a discount for Borrego coverage with select insurance companies.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
- Distant Student – Children who live away from home and don’t have a car can receive lower rates.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.
To see a list of insurance companies with the best auto insurance discounts, follow this link.
Auto insurance coverages and their meanings
Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Collision protection
This pays for damage to your Borrego resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as hitting a parking meter, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Auto liability insurance
Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things like medical expenses, loss of income, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as pain medications, hospital visits, ambulance fees, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Kia Borrego.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Comprehensive protection
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, falling objects, damage from flooding, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
One last thing
Discount Kia Borrego insurance is possible online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
People change insurance companies for a variety of reasons including poor customer service, policy non-renewal, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, switching companies is easier than you think.
When shopping online for auto insurance, don’t be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.
