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Kia Amanti Insurance Rates

Finding cheaper auto insurance by quoting online is easy and at the same time you will probably save money. The key is to compare rates from as many companies as possible so you can get the lowest priced insurance.

Consumers who are new to the process of comparison shopping may think buying cut-rate Amanti insurance is hard. Getting better Amanti insurance cost is a fairly straight forward process. Just take time comparing rates from different insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Insurance rates for your Kia Amanti will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Kia is the year of manufacture. New vehicles have a higher actual cash value so repair costs are higher which will push premiums up. Conversely, more recent Kia vehicles may have options such as pedestrian detection, automatic crash notification, and tire pressure monitors so those may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages - Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - This will pay to fix damage to your Kia resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Amanti Insurance Rates?