2018 Kia Niro Insurance Rates

Trying to find better car insurance rates for your Kia Niro? Searching for better insurance prices for your Kia Niro could be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the proper way to get price quotes for a Kia and find the lowest price.

What affects Kia Niro insurance costs?

Lots of things are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but others are more transparent such as your marital status and annual miles driven.

The items below are just a few of the factors used by your company to calculate your premiums.

  • Bundle and save – Most larger insurance companies will give a discount to customers that purchase more than one policy such as combining an auto and homeowners policy. The discount can be ten percent or more. If you currently are using one company, it’s in your best interest to check prices from other companies to guarantee you are still saving the most.
  • Older drivers pay less – Older drivers are more responsible, are lower risk to insure , and usually have better credit.Beginning drivers are statistically proven to be easily distracted with other occupants in the car so insurance rates are higher.
  • Stay claim-free and save money – Auto insurance companies give discounts to insureds who are claim-free. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Kia scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Prices and occupation – Did you know your insurance rates can be affected by your occupation? Occupations like military personnelair traffic controllers and financial analysts generally pay higher rates than the rest of us because of intense work requirements and lots of time spent away from family. On the other hand, careers like professors, athletes and retirees pay lower than average rates on Niro coverage.

Discount auto insurance quotes

Some companies do not advertise all available discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Homeowners Discount – Owning your own home or condo can earn you a little savings since home ownership means you have a higher level of financial diligence.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Driving Data Discount – People who choose to allow their auto insurance company to analyze driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy a life insurance policy as well.
  • Active Military Service – Having a family member in the military could be rewarded with lower auto insurance rates.
  • Discount for Swiching Early – Select auto insurance companies give a discount for switching companies before your current policy expires. You could save around 10% when you buy insurance online.
  • E-sign Discounts – A handful of auto insurance companies will give you a small discount for buying a policy and signing up on their website.
  • Low Mileage – Low mileage vehicles can qualify you for cheaper rates.

Please keep in mind that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the insurance companies who may offer most of the discounts above may include but are not limited to:

It’s a good idea to ask each company how many discounts you can get. Savings may not apply to policyholders in your area. To see auto insurance companies with the best discounts, click here.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements that promise big savings by State Farm, Allstate and Geico. All the ads state the claim of big savings if you just switch to them.

It sounds good, but how can they all charge you less for auto insurance? This is how they do it.

All the different companies offer their best rates for the type of customer they prefer to insure. For instance, a desirable insured could possibly be a married male, has no driving citations, and has a high credit rating. A driver who matches that profile may get the lowest premium rates and therefore will save when they switch companies.

Insureds who are not a match for those standards will probably be forced to pay higher premium rates and this results in the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully make those statements.

This illustrates why you should do a quote comparison often. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Should I have a commercial auto policy?
  • Can I afford low physical damage deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my babysitter drive my car?
  • Do I need medical payments coverage since I have good health insurance?
  • What is roadside assistance coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have coverage when making deliveries for my home business?
  • Are my friends covered when driving my 2018 Kia Niro?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance policy coverages for a Kia Niro

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Niro.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance – This can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, attorney fees, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a deer, hail damage, a broken windshield and hitting a bird. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – This coverage covers damage to your Niro resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for hospital visits, X-ray expenses and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Stretch your dollar

Consumers leave their current company for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver or even questionable increases in premium. It doesn’t matter what your reason, finding a great new company can be pretty painless.

Cheaper 2018 Kia Niro insurance is possible on the web and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and usually these smaller companies only sell through independent insurance agencies.

We just covered some good ideas how to compare 2018 Kia Niro insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from the smaller companies.

More detailed insurance coverage information is available in the articles below: