2018 Kia Niro Plug-In Hybrid Insurance Quotes – 10 Tips for Cheaper Rates

Did you make the mistake of buying overpriced car insurance? It’s a common feeling and there are many consumers feeling the pinch from expensive car insurance. Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

If you are insured now or need a new policy, you can use this information to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers only need an understanding of the proper way to get comparison rates online.

Ways to get insurance rate quotes

Most larger insurance companies allow you to get prices for coverage from their websites. Getting online rates can be done by anyone because you just enter the amount of coverage you want into the quote form. Behind the scenes, their rating system requests reports for credit and driving violations and returns a price quote based on the information you submitted. Being able to quote online makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to do this if you want to get better prices.

The quickest way to lower your rates utilizes a single form that gets prices from multiple companies. It’s a real time-saver, requires less work, and makes online shopping much more efficient. As soon as you send your information, your coverage is rated and you are able to buy any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and can result in significant savings.

To quickly find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverages identical to your current policy. This guarantees you will be getting a fair comparison based on identical coverages.

Insurance discounts are available to reduce your rates

Car insurance can cost a lot, but there are discounts available that can help lower your rates. Certain credits will be shown at the time of quoting, but some need to be asked for prior to receiving the credit.

  • Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Niro Plug-In Hybrid insurance with a few insurance companies.
  • Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less for Niro Plug-In Hybrid insurance compared to rates paid by drivers with frequent claims.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. You can save around 10% with this discount.
  • Defensive Driver – Taking a course teaching driver safety skills could possibly earn you a 5% discount depending on where you live.
  • Low Mileage – Maintaining low annual mileage can qualify you for lower prices due to less chance of an accident.
  • Military Deployment Discount – Having an actively deployed family member may lower your premium rates slightly.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts are:

  • GEICO offers discounts including seat belt use, air bags, military active duty, multi-vehicle, multi-policy, and anti-lock brakes.
  • Travelers discounts include student away at school, hybrid/electric vehicle, IntelliDrive, new car, and early quote.
  • Nationwide may include discounts for anti-theft, Farm Bureau membership, family plan, multi-policy, accident-free, and easy pay.
  • Farmers Insurance has discounts for distant student, homeowner, pay in full, alternative fuel, and youthful driver.
  • Esurance offers premium reductions for good driver, claim free, homeowner, Pac-12 alumni, paid-in-full, and defensive driver.
  • State Farm may offer discounts for Steer Clear safe driver discount, driver’s education, good student, passive restraint, and defensive driving training.
  • Progressive offers discounts for continuous coverage, online quote discount, multi-vehicle, good student, homeowner, multi-policy, and online signing.
  • Mercury Insurance has savings for multi-policy, good student, type of vehicle, professional/association, location of vehicle, accident-free, and age of vehicle.

When getting free auto insurance quotes, it’s a good idea to all the companies what discounts are available to you. Depending on the company, some discounts may not be offered in your area.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if you would benefit from an agent’s advice.

  • Does my 2018 Kia Niro Plug-In Hybrid need full coverage?
  • Will filing a claim cost me more?
  • Should I bundle my homeowners policy with my auto?
  • Do I need an umbrella policy?
  • Does insurance cover damages from a DUI accident?
  • Exactly who is provided coverage by my policy?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for surgery, rehabilitation expenses, pain medications, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Niro Plug-In Hybrid resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, legal defense fees, medical services, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hail damage, damage from getting keyed, theft and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Niro Plug-In Hybrid.

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 should not be overlooked.

Stretch your dollar

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Some insurance companies may not offer online rate quotes and these smaller companies work with independent agents. Lower-priced 2018 Kia Niro Plug-In Hybrid insurance is available from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection.

Much more information about insurance coverage is available on the following sites: