Save on 2017 Kia Niro Insurance Rates

Comparison shopping for more affordable Driversauto insurance may be challenging for drivers who are new to online price comparisons. When there are so many online companies, it can turn into a real hassle to find the best price.

Car insurance companies offer money-saving discounts

Insurance can be prohibitively expensive, but you can get discounts that may help make it more affordable. Certain credits will be shown at the time of purchase, but occassionally some discounts must be specifically requested prior to receiving the credit.

  • Memberships – Being in a professional or civic organization is a simple method to lower premiums on car insurance.
  • Defensive Driver Discount – Successfully completing a safe driver course can save you 5% or more and make you a better driver.
  • Good Student – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Save over 55 – Seniors are able to get a discount up to 10% for Niro insurance.
  • Paper-free Discount – Certain car insurance companies will give a small break for completing your application digitally online.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Niro insurance with some car insurance companies.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies will allow you to have one accident before hitting you with a surcharge if you have no claims for a set time period.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see providers with the best discounts, click this link.

Free auto insurance rate quotes

There are multiple methods you can shop for auto insurance but some are more efficient than others. You could waste time driving to insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company returns a competitive quote. This saves time by eliminating quotation requests to every company.

To compare rates now click to open in new window.

The only drawback to using this type of form is that you can’t choose which carriers to receive prices from. So if you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, be sure to compare the exact same coverage information for every company. If you are comparing different limits and deductibles on each one then you won’t be able to determine which company has the best rates. Having just a slight variation in coverages could skew the results. Just remember that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now.

Do I just need basic coverages?

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might help in determining if you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2017 Kia Niro is totaled?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How do I buy GAP insurance?
  • How many claims can I have before being cancelled?
  • Should I buy full coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance specifics

Understanding the coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, nursing services, chiropractic care, doctor visits and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision coverage

Collision insurance covers damage to your Niro resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Save for a rainy day

You just learned a lot of ways to compare 2017 Kia Niro insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even find the lowest rates come from some of the lesser-known companies.

Cheap 2017 Kia Niro insurance is attainable both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not have rate quotes online and many times these regional carriers prefer to sell through independent agents.

Consumers switch companies for a number of reasons such as denial of a claim, high prices, not issuing a premium refund and even delays in paying claims. It doesn’t matter what your reason, switching companies is not as hard as you think.

More detailed car insurance information is available at these sites: