Compare 2008 Kia Rondo Insurance Quotes

Searching for the lowest cost auto insurance on the web can be problematic for people who are new to price shopping online. When there are so many online companies available, how can you possibly compare the different rates to find the lowest price?

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Most are applied when you quote, but some may not be applied and must be inquired about before you get the savings.

  • No Charge for an Accident – A few companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Military Discounts – Having a family member in the military can result in better rates.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each company what discounts are available to you. Savings may not apply in your state.

The quickest method to compare insurance rates in your area is to know the fact most insurance companies actually pay money for the chance to compare rate quotes. All you need to do is spend a couple of minutes providing details including the year, make and model of vehicles, how your vehicles are used, your education level, and driver ages. The rating information is instantly submitted to many of the top insurers and you should receive rate quotes immediately.

Kia Rondo rate determination is complex

Consumers need to have an understanding of the rating factors that play a part in calculating your auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Drive less and save money – Driving more miles in a year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Rondo may be costing you. Verify your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • High deductibles save money – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Kia. Examples of covered claims could be colliding with a building, damage from fire, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you’re willing to pay, the less your company will charge you for insurance on Rondo insurance.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, business owners and financial analysts have higher average rates due to high stress and long work days. Conversely, professions such as scientists, engineers and performers get better rates on Rondo insurance.
  • Traffic violations increase rates – Just one ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to keep their license.
  • Don’t skimp on liability – Liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.

When should I talk to an agent?

When buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Who is covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • Is motorclub coverage worth it?
  • When would I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when using my vehicle for business?
  • How do I insure my teen driver?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

The fine print in insurance coverage ads

Companies like State Farm, Geico and Progressive continually stream ads on TV and radio. All the ads say the same thing about savings after switching to them. But how can every company say the same thing?

Insurance companies have a certain “appetite” for the driver that earns them a profit. An example of a driver they prefer might be profiled as between 30 and 50, a clean driving record, and has a short commute. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will be quoted more money which leads to business going elsewhere. The ads state “people who switch” not “people who quote” save money. This is how companies can truthfully state the savings.

This emphasizes why it’s extremely important to get as many comparisons as possible. Because you never know which company will fit your personal profile best.

Auto insurance 101

Understanding the coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, legal defense fees, medical expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, vandalism, a tree branch falling on your vehicle and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This pays for damage to your Rondo resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like prosthetic devices, EMT expenses, surgery and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2008 Kia Rondo.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Do the work, save more money

We just showed you a lot of information how to shop for 2008 Kia Rondo insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with the least-expected company.

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, lack of trust in their agent, high rates after DUI convictions and even policy cancellation. Whatever your reason, switching car insurance companies can be pretty painless.

Discount insurance is possible on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

More detailed car insurance information is located in the articles below: