How Much Does 2017 Kia Niro Car Insurance Cost?

Searching for lower insurance rates? Consumers have lots of choices when looking for the best price on Kia Niro insurance. They can either spend hours calling around getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to shop for insurance so you’re going to learn the proper way to compare rates for your Kia and locate the lowest price from both online companies and local agents.

It’s a good habit to do price comparisons yearly because insurance prices go up and down regularly. Despite the fact that you may have had the best deal for Niro coverage a few years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because we’re going to demonstrate the fastest way to properly buy coverages while reducing your premium.

Where can I get the cheapest auto insurance?

The majority of larger companies give price estimates from their websites. Getting quotes is fairly simple because you just enter the coverage amounts you desire as requested by the quote form. Once entered, their rating system collects information on your driving record and credit history and generates pricing information.

Online price quotes makes it a lot easier to compare rates but the process of having to visit several different sites and type in your information is a waste of time. But it is imperative to compare as many rates as possible if you are searching for lower prices.

The easiest way to compare auto insurance pricing uses one form that gets price quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can select any of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate the coverages just like they are on your policy. This way, you will have comparison quotes using the same coverage and limits.

Save a ton by getting discounts

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you purchase, but occassionally some discounts must be asked for in order for you to get them. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

  • Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off for Niro coverage with some car insurance companies.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Low Mileage Discounts – Low mileage vehicles can earn lower car insurancerates on the low mileage vehicles.
  • Discount for Multiple Policies – If you can combine your homeowners and auto policy with one insurance company you could earn a discount of at least 10% off all policies.
  • Telematics Devices – People who choose to allow driving data submission to spy on driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts as long as the data is positive.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower prices.
  • Save over 55 – Older drivers can get better car insurance rates for Niro coverage.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Paperless Signup – A few larger companies will give a small break shop insurance digitally online.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are shown below.

  • Geico includes discounts for defensive driver, anti-lock brakes, military active duty, emergency military deployment, air bags, and driver training.
  • Mercury Insurance offers discounts including type of vehicle, annual mileage, multi-policy, low natural disaster claims, accident-free, age of vehicle, and good driver.
  • Farmers Insurance may have discounts that include electronic funds transfer, alternative fuel, mature driver, business and professional, and early shopping.
  • Auto-Owners Insurance offers premium reductions for good student, anti-lock brakes, safe driver, student away at school, anti-theft, and paid in full.
  • Liberty Mutual has savings for exclusive group savings, new vehicle discount, newly married, multi-car, newly retired, good student, and preferred payment discount.
  • SAFECO may offer discounts for accident prevention training, teen safe driver, anti-lock brakes, safe driver, anti-theft, teen safety rewards, and homeowner.
  • Progressive policyholders can earn discounts including online signing, multi-policy, homeowner, multi-vehicle, good student, online quote discount, and continuous coverage.
  • USAA discounts include loyalty savings, new vehicle, multi-vehicle, military installation, and defensive driver.

Before buying, ask each insurance company which discounts you qualify for. Some discounts listed above might not apply in your area. For a list of car insurance companies who offer online car insurance quotes, follow this link.

Buy cheap auto insurance with these tips

Many factors are part of the equation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but others are more obscure such as your marital status and annual miles driven.Smart consumers have a good feel for some of the things that help calculate auto insurance rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can help you get cheaper rates.

The itemized list below are some of the factors used by your company to calculate your premiums.

  • Use credit responsibly and save – Your credit score can be an important factor in your rate calculation. Drivers who have good credit tend to file fewer claims as compared to drivers with lower ratings. So if your credit is lower than you’d like, you could pay less to insure your 2017 Kia Niro if you clean up your credit.
  • You might have higher costs if you are single – Your spouse may cut your premiums on auto insurance. Marriage translates into being more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Limits of liability coverage – Your auto insurance policy’s liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • What’s your car’s IIHS safety rating? – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower injury rates translates directly to fewer claims which can result in lower premiums. If the Kia Niro is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Your insurance coverage coverage should be tailored to you

When buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • What is no-fault insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my car?
  • Do I have newly-aquired coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Big names are not always cheapest

Consumers can’t get away from ads that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. All the ads seem to make the promise that drivers will save a bundle if you move to them.

How do they all give you a better price? It’s all in the words they use.

Companies quote their cheapest rates for the type of insured they prefer to insure. For instance, this type of driver could be over the age of 40, owns their home, and drives newer vehicles. Anyone who matches that profile will probably get cheap premium rates and is almost guaranteed to cut their rates if they switch.

People who are not a match for these stringent criteria will have to pay higher prices and this results in the customer not buying. If you listen closely, the ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can state the savings.

That is why it’s extremely important to do a quote comparison often. It is impossible to guess which insurance companies will have the best prices at this point in time.

Educate yourself about car insurance coverages

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Collision coverages – Collision coverage will pay to fix damage to your Niro resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for hospital visits, ambulance fees, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all 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

Liability coverage – Liability insurance protects you from damage that occurs to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, bail bonds, medical services, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy online or local, you save

Insureds switch companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service or even denial of a claim. Regardless of your reason, choosing a new insurance company is easier than you think.

We just covered a lot of tips how to get a better price on 2017 Kia Niro insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

While you’re price shopping online, never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and learned later they didn’t have enough coverage. The goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

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