Cheap 2019 Kia Stinger Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 18, 2024

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Sick and tired of not being able to scrape enough together to pay high car insurance rates every month? You are in the same boat as the majority of other consumers.

Big companies like State Farm and GEICO continually hit you with ad campaigns and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

It is always a good idea to get comparison quotes before your policy renews because car insurance rates go up and down regularly. Even if you got the best deal for Stinger insurance a year ago you may be paying too much now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the best ways to find better coverage at a better price.

Buy car insurance online

Many insurance companies such as GEICO, State Farm and Progressive allow you to get prices direct online. The process is fairly simple as you simply type in as detailed in the form. Once you submit the form, the company’s rating system collects information on your driving record and credit history and quotes a price. Online quotes makes it a lot easier to compare rates but the time required to go to several different sites and type in your information gets old quite quickly. But it’s necessary to do this if you are searching for better prices.

The easy way to compare rates

A less time-consuming method to compare rates uses one form that gets price quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. Once the form is submitted, it is rated and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process takes just a few minutes to complete and may result in a nice savings.

To find out if lower rates are available, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you enter your coverages as close as possible to your current policy. This ensures you’re receiving comparison quotes using the exact same coverages.

Cheaper rates with these auto insurance discounts

Some providers do not list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden auto insurance savings.

  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in school.
  • E-sign Discounts – Certain companies will give you a small discount for buying your policy on the web.
  • Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
  • Multi-Vehicle Discounts – Buying a policy with multiple vehicles with the same auto insurance company can get a discount on all vehicles.
  • Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company they may give you a discount of nearly 15% which can help you find cheap auto insurance.
  • ABS Brakes – Vehicles with ABS braking systems or traction control prevent accidents and will save you 10% or more.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn cheaper premium rates.
  • Student in College – Older children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you aren’t that lucky.

A list of companies and a selection of discounts are:

  • State Farm discounts include multiple autos, accident-free, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, good driver, and driver’s education.
  • Progressive may include discounts for homeowner, multi-vehicle, online signing, online quote discount, and good student.
  • Travelers offers discounts for hybrid/electric vehicle, continuous insurance, multi-car, payment discounts, save driver, IntelliDrive, and new car.
  • American Family may offer discounts for multi-vehicle, early bird, bundled insurance, defensive driver, TimeAway discount, Steer into Savings, and air bags.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, new move discount, hybrid vehicle, teen driver discount, and multi-car.

If you need lower rates, check with each company or agent what discounts are available to you. Savings may not apply to policies in your area.

Insurance can get complicated

When it comes to choosing the best insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?
  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Educate yourself about car insurance coverages

Learning about specific coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as hospital visits, surgery, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Stinger resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, crashing into a building, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. 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. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as court costs, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Kia Stinger.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Buy Smart and Save

We just showed you some good ideas how to reduce 2019 Kia Stinger insurance premium rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on car insurance is with the least-expected company. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Allstate or State Farm.

Cost effective 2019 Kia Stinger insurance is available online and with local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not offer online quoting and these regional carriers only sell coverage through local independent agents.

When trying to cut insurance costs, you should never reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

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