Top 9 Ways You Can Buy Car Insurance for a Kia Borrego Cheaper

No one looks forward to paying for auto insurance, especially when they know the prices are way too high. Popular companies such as State Farm, Progressive and GEICO continually bombard you with advertising and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

You should take the time to quote other rates at least once a year due to the fact that insurance prices tend to go up over time. Just because you found the best rates on Borrego coverage a year ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Buying car insurance is not rocket science. Nevertheless, consumers can benefit from knowing the methods companies use to price insurance differently.

Do you qualify for discount auto insurance?

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied when you quote, but a few need to be asked about before you will receive the discount.

• Safety Course Discount – Taking a course in defensive driving could save 5% or more if you qualify.
• Low Mileage – Keeping the miles down on your Kia may enable drivers to earn cheaper prices.
• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
• Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a small discount on rates on Borrego coverage.
• Multi-line Discount – If the company offers life insurance, you could get lower premium rates if you buy some life insurance too.
• Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save 10% or more off the personal injury premium cost.
• Air Bag Discount – Vehicles equipped with air bags can get savings as much as 30%.
• E-sign – Many insurance companies will provide an incentive for buying your policy on their website.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will reduce your auto insurance premiums.

A list of auto insurance companies and the discounts they provide are included below.

• State Farm may include discounts for driver’s education, passive restraint, safe vehicle, student away at school, Steer Clear safe driver discount, and accident-free.
• GEICO offers discounts for anti-theft, defensive driver, five-year accident-free, anti-lock brakes, good student, multi-vehicle, and military active duty.
• Liberty Mutual offers premium reductions for hybrid vehicle, newly retired, safety features, new graduate, multi-policy, good student, and teen driver discount.
• The Hartford offers discounts including air bag, anti-theft, defensive driver, vehicle fuel type, driver training, good student, and bundle.
• MetLife may offer discounts for claim-free, defensive driver, good driver, accident-free, multi-policy, good student
• Progressive has discounts for continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, online quote discount, and good student.

If you need lower rates, check with each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Advertising myths

Big name companies like Allstate, GEICO and Progressive continually stream television, radio, and online ads. They all state the claim that drivers can save some big amount if you get a free and switch your coverage. But how can every company make almost identical claims?

Most companies are able to cherry pick for a prospective insured that will be a good risk. One example of a profitable customer might have to be between the ages of 40 and 55, carries high limits, and drives newer vehicles. Any customer who fits those characteristics will probably get the lowest prices and as a result will probably save a lot if they switch.

People who fall short of these criteria will probably have to pay higher prices which translates to business not being written. The trick is to say “customers that switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can make those statements. Because of the profiling, you should compare as many as you can. Because you cannot predict which company will be your best fit.

Car insurance coverages for a Kia Borrego

Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Borrego caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, driving through your garage door, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance

This will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, repair costs for stationary objects, bail bonds, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Kia Borrego.

Due to the fact that many drivers 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.

Lower rates by being persistent

There are still a few companies who may not offer rate quotes online and usually these regional carriers work with independent insurance agencies. Low-cost Kia Borrego insurance is available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

When searching for , it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost.