2009 Kia Rondo Car Insurance Rates – 7 Tips for Cheaper Quotes

Want better car insurance rates for your Kia Rondo? Paying for overpriced Kia Rondo insurance can take a big chunk out of your monthly budget and force you to prioritize other expenses. Comparing rates annually is a fast and free way to make sure you’re not throwing money away.

Many insurers vie for your insurance dollar, and because of this it can be hard to compare insurers to find the best rates possible.

It’s a good idea to shop coverage around on a regular basis because insurance prices are adjusted regularly by insurance companies. Just because you had the best price on Rondo coverage a few years ago there is a good chance you can find better rates now. You can search a lot of car insurance out there, but you can learn some guaranteed methods to reduce your car insurance bill.

You may qualify for discounts

Some providers don’t necessarily list the complete list of policy discounts very well, so below is a list a few of the more well known and the harder-to-find credits available to bring down your rates. If they aren’t giving you every credit possible, you could be saving more on your insurance coverage.

• Defensive Driver – Participating in a course teaching defensive driver skills could possibly earn you a 5% discount and also improve your driving technique.
• Active Military Service – Having a family member in the military could trigger a small discount.
• Club Memberships – Having an affiliation with a civic or occupational organization may earn a discount on your bill.
• Multi-policy Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you could get a discount of up to 20% and get you the cheapest insurance.
• Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. You could save around 10% when you buy insurance online.
• Resident Student – College-age children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save 10% or more off the PIP or medical payment premium.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck.

Large insurance coverage companies and their possible discounts are detailed below.

• State Farm offers discounts including passive restraint, defensive driving training, anti-theft, good student, and good driver.
• Liberty Mutual includes discounts for new move discount, multi-policy, new vehicle discount, good student, teen driver discount, exclusive group savings, and preferred payment discount.
• American Family discounts include accident-free, multi-vehicle, Steer into Savings, air bags, good student, mySafetyValet, and good driver.
• Progressive offers discounts for online signing, online quote discount, continuous coverage, good student, and multi-policy.
• Farmers Insurance has discounts for multi-car, switch companies, pay in full, early shopping, mature driver, homeowner, and electronic funds transfer.
• Auto-Owners Insurance offers premium reductions for paid in full, safe driver, anti-lock brakes, anti-theft, teen driver, and company car.
• SAFECO policyholders can earn discounts including teen safe driver, homeowner, multi-car, bundle discounts, accident prevention training, anti-theft, and drive less.

When quoting, ask each insurance company which discounts they offer. Savings might not be offered on policies everywhere. To see a list of insurance coverage companies with discount insurance coverage rates, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

• Does liability extend to a camper or trailer?
• Am I missing any policy discounts?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need higher collision deductibles?
• Why am I required to buy high-risk coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need medical payments coverage since I have good health insurance?
• Do I pay less for low miles?
• Is my 2009 Kia Rondo covered for flood damage?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage in the media

Insurance coverage providers like 21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies have a common claim about savings after switching your insurance coverage policy to them. How is it plausible that every one can claim to save you money? It’s all in the numbers.

Most companies have specific criteria for the right customer that will be a good risk. For example, a driver they prefer could possibly be a mature driver, has no prior claims, and drives less than 10,000 miles a year. A customer that meets those criteria will qualify for the lowest prices and as a result will probably save if they switch.

Insureds who don’t meet those criteria must pay higher premiums and this can result in business going elsewhere. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much. That’s why companies can make the claims of big savings.

This really illustrates why you need to compare free insurance quotes often. It is impossible to predict with any certainty which company will give you lower prices than your current company.

Car insurance 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, hail damage, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Kia Rondo.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, funeral costs, prosthetic devices, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Smart consumers save more

Lower-priced insurance coverage is possible both online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies do not offer online quoting and these small, regional companies only sell through independent agencies.

In this article, we presented a lot of ways to shop for 2009 Kia Rondo insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest insurance. Drivers may discover the best rates are with an unexpected company. They often have lower car insurance rates on specific markets compared to the large companies like Allstate and Progressive.

To learn more, feel free to browse the resources below:

• Safety Features for Your New Car (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• All About Airbag Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)