Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as the majority of other car owners. With so many insurance companies to choose from, it’s difficult to locate the most affordable car insurance company.
The purpose of this post is to teach you how to effectively get price quotes. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Vehicle owners only need to know the best way to get comparison rates on the web.
Kia Rondo insurance premiums are calculated by many factors
It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.
The list below includes some of the items used by your company to calculate premiums.
- Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Kia earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Protect your assets with liability insurance – Liability insurance will protect you when you are found liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
- Having a spouse can save you money – Having a wife or husband helps lower the price on your auto insurance policy. Having a spouse translates into being more responsible and it’s proven that being married results in fewer claims.
- Increase deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Kia. Examples of covered claims are running into the backend of another car, vandalism, or theft. 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 for Rondo insurance.
How much can you save with discounts?
Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Most are applied when you get a quote, but some must be inquired about prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
- No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
- Senior Citizens – Older drivers can possibly qualify for reduced rates for Rondo insurance.
- Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
- Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.
For a list of providers with the best auto insurance discounts, click this link.
Online quotes with a local insurance agent
A small number of people would prefer to talk to a local agent and that is just fine! Good agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain lower rates but also keep your business local. Supporting local agencies is definitely important in smaller communities.
For easy comparison, once you complete this form (opens in new window), your information gets sent to local insurance agents who will give you bids for your coverage. You don’t have to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!
To view licensed agents in your state, click here.
Selecting an provider requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is their price quote a firm figure or are their hidden costs?
- How often do they review policy coverages?
- What insurance company do they write the most business with?
- Is assistance available after office hours?
- Which insurance companies are they affiliated with?
- Is the agency involved in supporting local community causes?
Upon receiving acceptable answers to any questions you have and an affordable coverage quote, it’s possible that you found an provider that is a good match to provide auto insurance coverage.
Slick advertising tricks that work
Drivers can’t get away from ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all make an identical promise about savings after switching to their company.
How do they all say the same thing? It’s all in the numbers.
Insurance companies can use profiling for the driver that earns them a profit. For instance, a desirable insured might be profiled as over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who are not a match for these standards must pay more money which usually ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully claim big savings.
This illustrates why it is so important to get as many comparisons as possible. You cannot predict which auto insurance company will fit your personal profile best.
Final thoughts
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.
The cheapest Kia Rondo insurance is possible online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.
