View 2007 Kia Rondo Car Insurance Quotes

Want the cheapest car insurance rates for your Kia Rondo? Finding more affordable car insurance could be very difficult for people who are new to online comparison shopping. People have so many options available that it can easily become a difficult challenge to find a cheaper company.

It’s a great practice to check car insurance prices at least once a year because prices trend upward over time. Just because you had the best deal on Rondo insurance last year a different company probably has better rate quotes today. You can find a lot of misleading information regarding car insurance online but in this article, you’re going to get a bunch of ideas how to lower your car insurance rates.

Why you might pay lower rates

Lots of factors are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, although some other factors are not as apparent like where you live and annual miles driven.

• High physical damage deductibles equal low rates – Physical damage protection, aka comp and collision, protects your Kia from damage. Examples of covered claims are a broken windshield, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket before your insurance pays a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Rondo insurance.
• Better premiums on safer vehicles – Safe vehicles cost less to insure. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
• Urban residents pay more – Living in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Drivers in populated areas have more aggressive driving styles and more time behind the wheel. Less people living in that area means less chance of accidents and lower theft and vandalism rates.
• Females tend to cost less – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar percentages, but the male of the species get into accidents with more damage. Not only that, but men also receive more major tickets such as reckless driving.
• Lower rates for married couples – Having a significant other may save some money when shopping for insurance. It may mean you are more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.
• Youthful drivers pay higher prices – Young drivers are proven to get distracted easily with other occupants in the car so they pay higher insurance rates. Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.
• How many miles do you drive? – The more you drive your Kia in a year’s time the higher the price you pay to insure it. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than vehicles that have high annual mileage. Ask your agent if your policy properly reflects the correct usage for each vehicle, because it can save money. Improper usage on your Rondo can result in significantly higher rates.

How to buy car insurance

The majority of larger companies like 21st Century, Allstate and State Farm allow consumers to get prices for coverage direct online. Obtaining pricing is pretty easy because it’s just a matter of typing in as requested by the quote form. After the form is submitted, their system gets reports for credit and driving violations and returns a price based on these factors.

Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and type in the same data can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest possible prices on car insurance.

The preferred way to locate the lowest prices makes use of a single form that obtains quotes from more than one company. The form is fast, eliminates repetitive work, and makes price shopping online much more efficient. After sending your information, it is rated and you can choose any or none of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. Doing this assures you’re receiving an apples-to-apples comparison for the exact same coverage.

Affordable insurance coverage rates with discounts

Some companies don’t list the entire discount list very clearly, so we researched a few of the more well known and the more hidden credits available to you. If you do not double check each discount you deserve, you could be paying more than you need to.

• Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Rondo insurance compared to accident prone drivers.
• Defensive Driver Discounts – Participating in a driver safety course could save 5% or more depending on where you live.
• Discount for Passive Restraints – Factory air bags or automatic seat belts could see savings up to 30%.
• Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class in high school.
• ABS Braking Discount – Cars and trucks that have anti-lock braking systems are much safer to drive and will save you 10% or more.
• Policy Bundle Discount – If you insure your home and vehicles with one company they may give you a discount of up to 20% off your total premium.
• Save with a New Car – Buying a new car model can save up to 30% because newer vehicles keep occupants safer.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Large insurance coverage companies and some of the premium reductions they offer include:

• Geico has savings for membership and employees, emergency military deployment, good student, multi-vehicle, federal employee, and anti-theft.
• Mercury Insurance may have discounts that include professional/association, multi-policy, anti-theft, ease of repair, and annual mileage.
• Farmers Insurance offers discounts including youthful driver, bundle discounts, early shopping, business and professional, teen driver, and homeowner.
• Auto-Owners Insurance may include discounts for teen driver, company car, multiple vehicles, air bags, and anti-lock brakes.
• Liberty Mutual offers discounts for multi-policy, newly retired, newly married, multi-car, safety features, and new graduate.
• SAFECO policyholders can earn discounts including accident prevention training, homeowner, anti-lock brakes, multi-car, and anti-theft.
• Progressive includes discounts for online signing, online quote discount, good student, homeowner, multi-vehicle, and multi-policy.
• USAA has discounts for loyalty savings, safe driver, military installation, multi-vehicle, and good student.

Before buying, ask every company to give you their best rates. A few discounts may not apply in your area. If you would like to view insurers that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate 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 might need professional guidance.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered if I crash into my own garage door?
• How high should my medical payments coverage be?
• When should I buy a commercial auto policy?
• Is rental equipment covered for theft or damage?
• What should my uninsured motorist coverage limits be in my state?
• Why do I only qualify for high-risk insurance?
• Should I buy full coverage?
• Should I get collision insurance on every vehicle?
• Which companies will insure high-risk drivers?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Information about specific coverages

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, emergency aid, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Kia Rondo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, hitting a bird and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This covers damage to your Rondo caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for ambulance fees, surgery and prosthetic devices. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Find Good Coverage for Less

Throughout this article, we presented many tips how you can get a better price on 2007 Kia Rondo insurance. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Cheap 2007 Kia Rondo insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these small insurance companies only sell coverage through independent agents.

Consumers change insurance companies for a number of reasons such as policy cancellation, delays in responding to claim requests, questionable increases in premium or high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance company is pretty easy and you might even save some money in the process.

Additional resources

• Credit Impacts Car Insurance Rates (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)