2018 Kia Stinger Insurance Cost – 10 Tips for Cheaper Prices

Searching for cheaper insurance rates for your Kia Stinger? I doubt anyone enjoys paying for insurance, especially when they know they are paying too much. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite lowest rate possible.

It’s smart to compare prices once or twice a year since rates trend upward over time. Despite the fact that you may have had the lowest rate on Stinger coverage at your last renewal there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to find out the only way to reduce your cost while improving coverage.

Compare insurance quotes

Finding a lower price on 2018 Kia Stinger insurance is an easy way to save money. Consumers just need to invest a few minutes to get quotes to see which company has cheap car insurance quotes. It’s really simple and can be done by using one of the methods below.

  • The most efficient way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating a different quote for each company you want a rate for. Just one form will get you rate comparisons from multiple low-cost companies.
  • A slightly less efficient method to compare rate quotes is to take the time to go to the website of each company and fill out a new quote form. For examples sake, let’s say you want to get rates from Progressive, Allstate and Liberty Mutual. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

The method you choose is up to you, but do your best to enter the exact same quote data for every company. If the quotes have different data it will be next to impossible to get a fair rate comparison.

The ad said I’d save $492 a year!

Consumers constantly see and hear ads for insurance coverage savings from the likes of State Farm, Allstate and Geico. All the ads make the same claim about how much you will save just by switching to them.

How does every insurance coverage company have lower policy pricing? It’s all in how they say it.

All the different companies have underwriting criteria for the driver that earns them the highest profit. For example, this type of risk profile might be between the ages of 30 and 45, has no claims, and drives newer vehicles. Anybody that fits those parameters will most likely get cheap prices and have a good chance to save a lot if they switch.

Potential insureds who may not quite match these stringent criteria will probably be forced to pay a higher rate which translates to the customer buying from a different company. The trick companies use is to say “drivers who switch” not “all people who quote” save that much. This is how companies can claim big savings.

This really illustrates why drivers should get price quotes at each policy renewal. It’s not possible to predict which insurance coverage company will provide you with the cheapest rates.

Verify you’re receiving every discount

Companies don’t list all possible discounts in a way that’s easy to find, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online. If you do not double check each discount possible, you’re just leaving money on the table.

  • Telematics Data Discounts – Policyholders that allow companies to spy on vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
  • Drive Less and Save – Low mileage vehicles may enable drivers to earn lower prices due to less chance of an accident.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount since new model year vehicles are generally safer.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Waiver for an Accident – but companies like Geico and Liberty Mutual may permit one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
  • Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Stinger coverage compared to accident prone drivers.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction on Stinger coverage with select insurance companies.
  • Sign Early and Save – A few auto insurance companies allow discounts for switching to them prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.

A quick disclaimer, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

For a list of providers who offer free auto insurance quotes, click here to view.

When should I discuss my situation with an agent?

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • What can I do if my company won’t pay a claim?
  • What is UM/UIM insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Does insurance cover tools stolen from my truck?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when using my vehicle for my home business?
  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, 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 these limits do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage will pay to fix damage to your Stinger from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for prosthetic devices, dental work and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a deer and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, attorney fees, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Shop Smart and Save

Lower-priced insurance coverage is definitely available from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and most of the time these regional insurance providers work with local independent agents.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

We covered a lot of ways to reduce 2018 Kia Stinger insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company. These companies may only write in your state and offer lower premium rates compared to the large companies like State Farm and Allstate.

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