2008 Kia Rondo Car Insurance Quotes – 7 Discounts for Best Rates

Searching for cheaper insurance for a new or used Kia Rondo could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy insurance so we’re going to tell you the quickest way to quote coverages for a new or used Kia and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to do rate comparisons before your policy renews since prices are rarely the same from one policy term to another. Even if you think you had the best rates for Rondo insurance a couple years back you may be paying too much now. Forget all the misinformation about insurance because you’re going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.

If you have a current car insurance policy or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. Shopping for cheaper coverage is not that difficult. Drivers just need to understand the proper methods to find the lowest price over the internet.

Insurance Coverage Discounts

Some companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find credits that you can use to lower your rates.

• Drivers Education – It’s a good idea to have your young drivers take driver’s ed class in school.
• Safety Course Discount – Passing a course teaching safe driver skills may get you a small discount and easily recoup the cost of the course.
• Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more for Rondo insurance as compared to drivers with claims.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted insurance coverage rate on car insurance if you buy some life insurance too.
• Homeowners Pay Less – Owning your own home or condo can save you money since owning and maintaining a home is proof that your finances are in order.
• Savings for New Vehicles – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new model year vehicles.
• Lower Rates for Military – Being on active deployment in the military may lower your premium rates slightly.

Just know that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

Some of the larger companies that have these discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Check with all the companies to give you their best rates. A few discounts may not be offered everywhere. To view companies with the best insurance coverage discounts, follow this link.

The easiest way to compare policy rates utilizes the fact most larger insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data like if you are currently licensed, if you’re married, if a SR-22 is needed, and your general credit rating. That rating information is sent automatically to many of the top insurers and they return cost estimate quickly.

If you would like to start a quote now, click here and see if a lower rate is available.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

• Can I afford low physical damage deductibles?
• When do I need to add a new car to my policy?
• Should I rate my 2008 Kia Rondo as pleasure use or commute?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered if I crash into my own garage door?
• Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t be fooled by advertising claims

Consumers can’t avoid all the ads that claim the cheapest car insurance rates by Geico, State Farm and Progressive. All the ads make an identical promise of big savings if you just switch your coverage to them.

How is it plausible that every one can offer drivers better rates? Here is how they do it.

Auto insurance companies quote their best rates for the type of driver that will add to their bottom line. A good example of a profitable insured might be described as a married female, carries high limits, and drives less than 5,000 miles a year. A propective insured that hits that “sweet spot” will get a cheap rate quote and is almost guaranteed to save quite a bit of money when switching.

Consumers who are not a match for this stringent profile will be charged a higher premium and ends up with the customer not purchasing. Company advertisements say “customers that switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully state the savings. Because of these techniques, drivers should compare many company’s premium rates. Because you never know with any certainty which company will provide you with the cheapest car insurance rates.

Specific coverage details

Understanding the coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, falling objects, a tree branch falling on your vehicle and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Rondo.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability – Liability coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills for dental work, chiropractic care, nursing services and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

And the best car insurance company is…

We just presented a lot of tips how to get a better price on 2008 Kia Rondo insurance. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting the cheapest auto insurance. Consumers could even find that the lowest premium rates are with the smaller companies.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, not issuing a premium refund, policy cancellation and unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is easier than you think.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to find out that it was a big error on their part. The goal is to buy a smart amount of coverage at the best possible price while still protecting your assets.

Additional information is located at these links:

• Coverage Information (Progressive Insurance)
• Choosing an Insurance Company (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)