2009 Kia Amanti Insurance Quotes – 7 Tips for Best Rates

Are you irritated from scraping nickels together to keep your car insured? Your situation is no different than many other drivers.

You have so many insurers to buy insurance from, and even though it’s nice to have a selection, lots of choices makes it harder to find the lowest rates.

Affordable insurance

When shopping for insurance there are multiple ways of comparing price quotes from companies that offer insurance in your state. The recommended way to do a complete rate comparison consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

Without a doubt, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing a different quote for every prospective company. Taking the time to complete one form gets insurance cost estimates direct from many companies.

A different way to find lower rates is going to each individual company website and go through the quote process again. For example, let’s assume you want to get rates from USAA, 21st Century and Geico. To do that, you would have to take the time to go to each site to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last way to compare rates is actually driving to each insurance agency near you. The ability to quote online can eliminate the need for a local agent unless you have a need for the professional guidance of an agent trained in personal lines coverage. Some companies do allow you to find lower rates online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use nearly identical coverage limits on every price quote you get. If you enter different coverage information you can’t possibly get a fair rate comparison. Just a small difference in limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing more quotes gives you a better chance of getting a lower rate than you’re paying now.

Take advantage of these seven premium-slashing discounts

Car insurance companies don’t always advertise every possible discount very clearly, so the list below details some of the best known and the harder-to-find discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Accident Forgiveness – Not a discount per se, but companies like Allstate, Progressive, and Geico will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
• Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Safe Driver Discounts – Insureds without accidents can pay as much as 50% less for Amanti insurance than less cautious drivers.
• Student Discounts – This discount may save as much as 25% on a insurance coverage quote. The good student discount can last until age 25.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may get savings up to 30%.
• Data Collection Discounts – Drivers who agree to allow their company to study when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.

You should keep in mind that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

To view providers that offer some of these discounts, follow this link.

Do I need special coverages?

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Does my insurance cover a custom paint job?
• What is high-risk coverage and where do I buy it?
• Will I lose any money if I cancel my policy before it expires?
• Can I afford low physical damage deductibles?
• How do I insure my teen driver?
• Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance pays for damage to your Amanti resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, hitting a mailbox, scraping a guard rail, colliding with a tree and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, pain medications and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits 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 a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, legal defense fees, medical services and court costs. How much coverage you buy is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.