Do you get frustrated by the dozens of auto insurance choices? You have so many choices that it can easily turn into a chore to find the best auto insurance rates.
There are a variety of methods you can shop for insurance and some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the web to get pricing more quickly.
Most of the larger companies are enrolled in a marketplace that enables customers to enter their policy data once, and at least one company can give them a price for coverage. This prevents consumers from doing form submissions to each individual insurance company. To compare rates using this form now click here to open in new window.
The one disadvantage to comparing rates this way is you are unable to specify which carriers you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.
It doesn’t matter which method you choose, just ensure you’re using apples-to-apples quote data with each company. If your comparisons have mixed coverages it will be impossible to get a fair rate comparison. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just remember that comparing all the rates in your area will improve the odds of getting the best price.
Car insurance companies don’t list every policy discount very clearly, so the list below contains a few of the more common as well as some of the hidden credits that you can use to lower your rates.
As a sidenote, many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.
To see a list of companies who offer discounts, click here to view.
When choosing adequate coverage, there really is no best way to insure your cars. Every situation is different.
For instance, these questions may help you determine whether or not you might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Having a good grasp of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.
Collision coverage pays for damage to your Borrego resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.
Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, pain medications, nursing services, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as hitting a bird, a broken windshield, damage from getting keyed, hail damage and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Kia Borrego.
Due to the fact that many drivers 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 should not be overlooked. Normally these limits are set the same as your liablity limits.
People who switch companies do it for many reasons like not issuing a premium refund, delays in paying claims, policy non-renewal and even denial of a claim. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.
The cheapest 2009 Kia Borrego insurance is possible online and from local agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer online rate quotes and most of the time these smaller providers only sell through independent agents.
Throughout this article, we presented a lot of ways to save on 2009 Kia Borrego insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best premium rates are with a small local company.
Tommye Fernandez
IMHO Biloxi, MS seems to have good rates from 21st Century.
Marlene Rios
When do I drop full coverage?
Armand Delgado
I’ve insured with GEICO for a long time. Pretty cheap in Las Cruces, NM.
Melissa Steele
Any Progressive or Eastwood customers near South Burlington, VT?
Kirby Alford
2009 Kia Borrego + State Farm = CHEAP! At least inNew York anyway.
Soledad Burgess
IT’S ALL TOO EXPENSIVE! Proud to be from Shreveport, LA. Quoted with GEICO, AIG Insurance, and some I forget for my Kia and I’m now saving $31 a month.
Nancy Schultz
Progressive was cheapest for my 2009 Kia Borrego in Baltimore, MD.
Lonna Burks
I live just outside Lexington, KY. Got quotes with Travelers, American Family, Liberty Mutual, and Safeco for my 2009 Kia Borrego and saved $479 a year. Was with Erie.
Angelica Hampton
I found pretty cheap rate quotes for a 2009 Kia Borrego in Birmingham, Alabama. Ended up at about $480 every six months with Amica. I even had a DUI years ago.
Ian Odonnell
Does New Mexico require liability coverage?
Glenn Buchanan
Anyone buy from Auto-Owners? I’m in Knoxville, TN.
Clementine Alford
Great site. Lifelong resident of Manchester, NH. Got rates from Western Auto Insurance, AAA, GMAC, and Sentry for my Borrego and saved $368 a year. Even increased coverage a bit. I got prices on the web.
Detra Vinson
Thought I’d throw in my experience. Checking in from Provo, Utah. Got car insurance quotes from MetLife, Erie, Allstate, and Auto-Owners for my Kia and saved just over $240 a year.
Brad Hampton
Not sure what I should be paying. Located in Worcester, MA. Quoted with The General, American Family, Safeco, and a couple others for my 2009 Kia Borrego and I think I am saving around $40 each month. Insured with 21st Century before. I’m a pretty low risk driver.