2018 Kia Stinger Car Insurance Quotes – 9 Tricks for Cheapest Rates

Trying to find cheap car insurance could be a challenge for beginners to comparing rates online. Since there are so many online companies available, it can easily become a real difficult job to lower your rates.

Finding the best rates is not rocket science. Just about every vehicle owner who is required by state law to have car insurance most likely will be able to reduce their rates. But drivers must comprehend the way insurance companies compete online and use this information to your advantage.

Get lower rates by applying these nine discounts

Insurance is neither fun to buy or cheap, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but less common discounts must be manually applied before you get the savings.

• Telematics Data Discounts – Insureds that choose to allow their company to scrutinize vehicle usage through the use of a telematics system like Allstate’s Drivewise could save a few bucks as long as the data is positive.
• Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, Allstate, and Liberty Mutual may permit one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
• Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
• Driver Safety – Taking part in a driver safety course can save you 5% or more if your company offers it.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Sign Early and Save – A few insurance companies offer discounts for switching companies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Own a Home and Save – Owning a home may trigger a policy discount on insurance because owning a home shows financial diligence.

Keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance companies aren’t that generous.

A few popular companies and a partial list of their discounts are:

• Geico offers discounts including anti-lock brakes, federal employee, seat belt use, anti-theft, and driver training.
• Travelers may offer discounts for multi-car, save driver, continuous insurance, driver training, multi-policy, and early quote.
• Farm Bureau has discounts for driver training, safe driver, 55 and retired, multi-vehicle, multi-policy, renewal discount, and good student.
• Liberty Mutual may have discounts that include exclusive group savings, new move discount, multi-car, good student, newly retired, teen driver discount, and preferred payment discount.
• American Family policyholders can earn discounts including early bird, mySafetyValet, good student, multi-vehicle, bundled insurance, and accident-free.
• Progressive discounts include online quote discount, good student, online signing, homeowner, continuous coverage, multi-vehicle, and multi-policy.

Double check with all companies you are considering how many discounts you can get. A few discounts may not be offered in your area. If you would like to view providers that offer some of these discounts, click this link.

The method we recommend to compare insurance rates from multiple companies utilizes the fact most insurance companies allow for online access to give rate comparisons. All consumers are required to do is provide information such as marital status, if you have an active license, your education level, and whether the vehicles are used for commuting. The data is submitted instantly to multiple different insurance companies and they respond with quotes instantly.

Your auto insurance coverage should be tailored to you

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

• What companies insure drivers after a DUI or DWI?
• Is my dog or cat covered if injured in an accident?
• Am I missing any policy discounts?
• Will I be non-renewed for getting a DUI or other conviction?
• How much can I save by bundling my policies?
• Is a blown tire covered by insurance?
• Will I lose any money if I cancel my policy before it expires?
• If I drive on a suspended license am I covered?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, doctor visits, nursing services and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Kia Stinger.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

This will cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, attorney fees, medical expenses, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Stinger resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

The bottom line

Consumers change insurance companies for many reasons like poor customer service, an unsatisfactory settlement offer, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter why you want to switch finding the right insurance provider is not as difficult as it may seem.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal is to buy enough coverage at an affordable rate while still protecting your assets.

We covered many ideas to compare 2018 Kia Stinger insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest premium rates are with the smaller companies.

Additional detailed information can be found in these articles:

• Cellphones, Texting and Driving (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding your Policy (NAIC.org)