Lower Your 2017 Kia Niro Car Insurance Cost

Sick and tired of not being able to afford to pay high insurance coverage rates every month? You are no different than many other consumers.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with advertising and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Take policy discounts and save

Some insurance providers don’t necessarily list every policy discount very clearly, so we researched a few of the more common and also the lesser-known credits available to bring down your rates.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
  • More Vehicles More Savings – Buying a policy with several vehicles with the same insurance coverage company may reduce the rate for each vehicle.
  • No Accidents – Insureds who avoid accidents and claims pay much less in comparison with drivers with a long claim history.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance with one insurance company you could earn a discount of nearly 15% which can help you find inexpensive insurance coverage.
  • Telematics Data Discounts – People who choose to allow their company to study where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.

Please keep in mind that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, nobody gets a free ride. But all discounts should help reduce your policy premium.

The best insurance coverage companies and a summarized list of policyholder discounts include:

  • State Farm may include discounts for driver’s education, safe vehicle, multiple autos, Drive Safe & Save, passive restraint, and good student.
  • American Family may have discounts that include bundled insurance, good driver, mySafetyValet, good student, air bags, accident-free, and early bird.
  • Geico offers premium reductions for good student, daytime running lights, five-year accident-free, membership and employees, seat belt use, air bags, and defensive driver.
  • 21st Century includes discounts for theft prevention, teen driver, anti-lock brakes, good student, air bags, student driver, and early bird.
  • Progressive offers discounts including multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, multi-policy, and good student.

Check with all the companies which credits you are entitled to. All car insurance discounts might not be offered on policies everywhere. To see insurance coverage companies that offer multiple discounts, click here to view.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Is a fancy paint job covered?
  • Are split liability limits better than a combined single limit?
  • Do I need more liability coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Am I getting all the discounts available?
  • Why do I only qualify for high-risk insurance?
  • When should I drop full coverage on my 2017 Kia Niro?
  • Am I covered if my car is in a flood?
  • Where can I get insurance after a DUI in my state?
  • Who is covered when they drive my 2017 Kia Niro?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Are you falling for claims of savings?

Insurance providers like Geico, State Farm and Progressive endlessly run ads in print and on television. They all seem to say the same thing that you’ll save big just by switching to their company. But how can every company offer you a better deal?

All companies quote the lowest rates for a prospective insured they prefer to insure. For example, a profitable insured might be between 25 and 40, has other policies, and has a high credit rating. A propective insured that matches those criteria will qualify for the lowest rates and therefore will save some money.

Potential customers who cannot meet this stringent profile must pay a more expensive rate and ends up with the prospect going elsewhere. The ads state “drivers that switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can confidently claim big savings. This emphasizes why drivers must do a quote comparison often. It’s not possible to predict the company that will give you lower car insurance rates than your current company.

Car insurance coverage specifics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most car insurance policies.

Collision coverage

This pays for damage to your Niro resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like chiropractic care, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane, damage from flooding and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not 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. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, court costs and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Money doesn’t grow on trees

As you quote insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

We covered many tips how you can save on 2017 Kia Niro insurance. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Additional insurance coverage information can be found on the following sites: