Trying to find better insurance coverage rates for your Kia Rondo? Expensive insurance coverage can dwindle your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Consumers have many insurers to choose from, and even though it’s nice to have a choice, so many choices can make it hard to find the lowest cost provider.
The most recommended method to compare insurance rates from multiple companies takes advantage of the fact car insurance companies have advanced systems to compare rate quotes. All you need to do is provide information including whether you drive to work or school, level of coverage desired, if a SR-22 is required, and an estimate of your credit level. That rating information is instantly sent to multiple different insurance companies and they return cost estimate instantly to find the best rate.
Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some must be asked about before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.
For a list of insurers offering auto insurance discounts, click this link.
When buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation might need professional guidance.
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average auto insurance policy.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, hitting a bird and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Kia Rondo.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, rehabilitation expenses, X-ray expenses, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
Collision coverage protection
This coverage will pay to fix damage to your Rondo caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.