How Much Does 2018 Kia Niro Insurance Cost?

Searching for the cheapest insurance coverage rates for your Kia Niro? Paying more affordable premium rates for Driversinsurance coverage could be quite difficult for people not familiar with comparison shopping online. Drivers have so many choices that it can quickly become a real difficult job to find the lowest price.

These discounts can slash car insurance rates

Companies do not list every discount they offer very clearly, so the list below contains both well-publicized and also the lesser-known car insurance savings.

  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with accident-prone drivers.
  • Sign Online – Some companies will provide an incentive just for signing your application on their website.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Niro insurance depending on your car insurance provider.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn at least 10 to 15 percent or more.
  • Mature Driver Discount – If you’re over the age of 55, you could receive a slight reduction on a insurance coverage quote on Niro insurance.

A quick disclaimer, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and some of the discounts include:

  • Farmers Insurance may offer discounts for good student, distant student, teen driver, homeowner, and early shopping.
  • Esurance includes discounts for online shopper, renters, emergency road assistance, homeowner, online quote, and Switch & Save.
  • State Farm offers discounts for driver’s education, safe vehicle, student away at school, Steer Clear safe driver discount, defensive driving training, passive restraint, and multiple policy.
  • GEICO offers discounts including air bags, daytime running lights, five-year accident-free, multi-policy, and seat belt use.
  • Allstate may have discounts that include economy car, premier discount, teenSMART discount, EZ pay plan discount, senior citizen, and anti-theft.

Before you buy a policy, ask every company which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to view insurance companies that offer some of these discounts, click here.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can aid in determining if your insurance needs will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Should I rate my 2018 Kia Niro as pleasure use or commute?
  • What are the financial responsibility laws in my state?
  • Should I have combined single limit or split liability limits?
  • Is a fancy paint job covered?
  • Is my babysitter covered when using my vehicle?
  • What happens if I owe more than my 2018 Kia Niro is worth?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Are insurance coverage companies telling the truth?

Companies like State Farm, GEICO and Progressive consistently run ads on TV and radio. All the companies tend to make the same promise that drivers can save some big amount if you move your coverage. How can each company save you money? Here is how they do it.

Insurance companies have a certain “appetite” for the type of customer that earns them the most money. For instance, a profitable insured might be a mature driver, has never had a claim, and has a high credit rating. Anybody who matches that profile will get very good car insurance rates and will most likely save if they switch.

Consumers who don’t measure up to the “perfect” profile will probably be forced to pay a higher premium and ends up with the customer buying from a different company. The trick is to say “customers that switch” not “all people who quote” save that kind of money. That’s why companies can state the savings. Different companies use different criteria so you really need to do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will have the best rates at this point in time.

Car insurance 101

Having a good grasp of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage will pay to fix damage to your Niro from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as chiropractic care, surgery, EMT expenses, pain medications and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Kia Niro.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Money doesn’t grow on trees

Cost effective 2018 Kia Niro insurance is attainable both online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best selection. A few companies do not offer online price quotes and usually these regional insurance providers only sell through local independent agents.

Throughout this article, we presented many ways to save on 2018 Kia Niro insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with a small local company.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Much more information about auto insurance can be read at these links:

Comments About 2018 Kia Niro Insurance

  1. Kelly Boone

    From Billings, MT. Got rates from The General, Auto-Owners, Nationwide, and a couple others for my Kia and saved $407 a year. Get lots of quotes to find the best rate.

  2. Kesha Tran

    IT’S ALL TOO EXPENSIVE! I live just outside Seattle, WA. I quoted with Safeco, Encompass, Allstate, and AIG Insurance for my Kia and cut my rates about $500 a year. Good savings if you bundle. You can get a rate quote online.

  3. Doreatha Holman

    Well-written and thought out article. Got a quote with Esurance for my Niro and saved around $260 a year. Insured with Western Auto Insurance before. I recommend comparing lots of rates.

  4. Thurman Strong

    I’m just west of Biloxi, MS. Received rates from Progressive, AIG Insurance, and Encompass for my 2018 Kia Niro and saved $439 a year. Was with Sentry. I used their website to get prices.

  5. Danyel Carson

    If you have a good history and are close to Kansas City, KS, check out 21st Century. You might save some money. Are quotes cheaper online?