Lower Your 2008 Kia Rondo Insurance Quotes

I can’t think of anyone who likes having to buy insurance, in particular when the cost is way too high.

Drivers have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to find the lowest rates.

Consumers should take time to shop coverage around quite often because insurance rates tend to go up over time. Even if you got the lowest price for Rondo insurance a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance on the web, but with this article, you’re going to get some guaranteed methods to buy insurance cheaper.

Finding affordable coverage is not rocket science. In a nutshell, everyone who carries car insurance will more than likely be able to find better rates. Nevertheless, consumers need to learn the way insurance companies determine prices.

Kia Rondo insurance rates consist of many parts

It’s important that you understand the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with big savings.

  • Marriage pays dividends – Getting married helps lower the price when buying auto insurance. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, or theft. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your auto insurance will be for Rondo insurance.
  • Do you work long hours in a high stress job? – Jobs such as doctors, architects and accountants tend to have higher rates than average in part from high stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and retirees receive lower rates for Rondo insurance.
  • A lapse in coverage is a bad thing – Allowing your auto insurance policy to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • More miles equals more premium – The more you drive every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on the correct driver usage. Incorrect usage on your Rondo can cost quite a bit.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.

The quickest way to compare insurance rates in your area is to know almost all companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is provide details including coverage limits, your general credit rating, how much education you have, and any included safety features. Those rating factors is then submitted to all major companies and they return cost estimate almost instantly.

Do insurance companies bend the truth?

Companies like State Farm, Geico and Progressive consistently run television and radio advertisements. All the ads have a common claim that you’ll save big if you change your coverage to them. But how can every company say the same thing?

All the different companies have a certain “appetite” for the driver that is profitable for them. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Drivers who don’t meet the requirements will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the savings. Because of the profiling, you need to get a wide range of price quotes. It’s just too difficult to predict the company that will provide you with the cheapest Kia Rondo insurance rates.

Cut prices on 2008 Kia Rondo insurance

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we researched some of the more common and the more hidden auto insurance savings.

  • Claim Free – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck.

To see a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to buy liability insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • When should my teen driver be added to my policy?
  • Why am I required to buy high-risk coverage?
  • Should I waive the damage coverage when renting a car?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, 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 insurance companies in your area.

The coverage is in the details

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Collision protection

This covers damage to your Rondo caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability car insurance

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, court costs and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Kia Rondo.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, falling objects, hail damage, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for nursing services, hospital visits, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Shop around and save

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price.

We just covered a lot of ways to lower your 2008 Kia Rondo insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on insurance is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Additional insurance information can be found on the following sites: