Lower Your 2008 Kia Amanti Car Insurance Rates

Are you sick and tired of scraping the payment together to insure your Kia every month? You are no different than many other consumers. Multiple insurance companies compete for your business, so it’s not easy to compare every insurer to find the absolute best rate

Lower rates by qualifying for discounts

Companies don’t always list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known ways to save on car insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Amanti coverage with certain companies.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Amanti coverage than their less cautious counterparts.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren’t that generous.

Car insurance companies that possibly offer some of the above discounts include:

Double check with all companies you are considering what discounts are available to you. Savings might not apply in your area.

These factors can influence Kia Amanti insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your insurance coverage coverage is rated on the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Amanti can result in significantly higher rates.
  • Tickets mean higher rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to keep their license.
  • Special features that cut premiums – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Men pay higher rates – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Both sexes have accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Your job and insurance rates – Occupations like lawyers, social workers and stock brokers have the highest rates attributed to job stress and long work days. On the other hand, occupations such as farmers, students and the unemployed get better rates for Amanti coverage.

Car insurance is unique, just like you

When buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you would benefit from professional advice.

  • When should I not file a claim?
  • Am I missing any policy discounts?
  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my car?
  • Should I have combined single limit or split liability limits?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Drivers who switch save $470 a year? Really?

Consumers can’t get away from ads for cheaper car insurance by companies like Progressive, Allstate and Geico. They all seem to make an identical promise that you can save if you switch to them.

How can each company make almost identical claims? This is how they do it.

All companies have a certain “appetite” for the type of customer that makes them money. For example, a profitable customer might be between the ages of 30 and 50, owns a home, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don’t qualify for these standards will have to pay higher rates and this can result in the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. That is how companies can advertise the way they do. Because of the profiling, drivers should quote coverage with many companies. It’s not possible to predict which car insurance company will provide you with the cheapest Kia Amanti insurance rates.

Insurance coverage basics

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Liability

This will cover damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Kia Amanti.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage pays for damage to your Amanti resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses such as nursing services, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, falling objects and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop Smart and Save

Cheaper 2008 Kia Amanti insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits and found out when filing a claim that it was a big mistake. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.

Additional auto insurance information can be found below: