Save on 2022 Kia Niro 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 8, 2024

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Want better insurance rates? Drivers have options when trying to find low-cost Kia Niro insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to get rate quotes.

There is a better way to buy insurance and you need to know the best way to get price quotes for a Kia and get the lowest price from local insurance agents and online providers.

Decisions you make can impact your insurance prices

Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although some other factors are less obvious like where you live and annual miles driven.

  • Pay more out-of-pocket – Physical damage coverage, aka comp and collision, insures against damage to your Kia. Some examples of claims that would be covered are a dented fender, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more money the insured is willing to pay, the lower your rates will be on Niro insurance.
  • Get a ticket, pay higher costs – A bad driving record impacts premiums far more than you think. Getting just one moving violation may cause rates to rise to the point where it’s not affordable. Drivers with clean records pay less for auto insurance as compared to careless drivers. Drivers with careless citations such as reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • If you don’t need it don’t buy it – There are many add-on coverages that you can get tricked into buying on your insurance policy. Coverages like rental car coverage, towing, and motor club memberships could be just wasting money. You may think they are a good idea when discussing your needs, but now you might not need them so remove them from your policy.
  • Bundle policies to earn discounts – Most insurers will give lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.
  • Gals tend to cost less – Statistics have proven females are less aggressive when driving. Now that doesn’t mean females are better at driving than males. Males and females get in auto accidents in similar numbers, but men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations such as reckless driving.
  • Premiums impacted by your city – Residing in a rural area may provide you with better prices when trying to find low car insurance rates. Lower population corresponds to lower accident rates and a lower car theft rate. Drivers in populated areas tend to have congested traffic and more time behind the wheel. More time on the road means higher likelihood of an accident.

Ways to get car insurance rate quotes

There are several ways to compare car insurance prices but one way is less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company then returns a price quote based on that data. This eliminates the need for quote requests for each company.

To find out how much you can save on car insurance enter your zip code here.

The only drawback to using this type of form is that consumers can’t choose which companies you will receive quotes from. So if you want to choose individual companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but make sure you compare the exact same coverage data on every quote. If you enter different values for each quote it’s not possible to make a fair comparison for your Kia Niro.

Use discounts to get cheaper auto insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you get a quote, but once in a while a discount must be specially asked for prior to getting the savings.

  • Military Discounts – Being deployed in the military may lower your premium rates slightly.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Senior Citizens – Drivers over the age of 55 may qualify for a small discount on rates on Niro insurance.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt could save 15% off PIP or medical payments premium.
  • Multi-policy Discount – When you have multiple policies and place coverage with the same company you will save 10% to 20% off each policy.
  • Theft Prevention System – Cars and trucks with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Discount for Low Mileage – Keeping the miles down on your Kia can earn cheaper rates.
  • College Student – who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The best auto insurance companies and their offered discounts are:

  • Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-policy, online signing, and good student.
  • SAFECO offers premium reductions for safe driver, accident prevention training, anti-theft, teen safe driver, teen safety rewards, bundle discounts, and drive less.
  • American Family has savings for mySafetyValet, Steer into Savings, defensive driver, TimeAway discount, multi-vehicle, good driver, and air bags.
  • MetLife may offer discounts for multi-policy, good driver, defensive driver, good student, and accident-free.
  • GEICO discounts include air bags, emergency military deployment, federal employee, daytime running lights, seat belt use, driver training, and five-year accident-free.
  • The Hartford offers discounts for bundle, air bag, defensive driver, driver training, vehicle fuel type, and good student.

If you need cheap insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. If you would like to view insurers who offer discounts, enter your zip code here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions might help in determining whether you might need professional guidance.

  • Should I have a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is Motor Club coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I remove comp and collision on my 2022 Kia Niro?
  • Is my cargo covered for damage or theft?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your car insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses for things like funeral costs, rehabilitation expenses, dental work, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance – This coverage provides protection from damage or injury you incur to people or other property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three 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 a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, structural damage, medical services and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays for damage to your Niro from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Shop smart and save

Discount 2022 Kia Niro insurance can be sourced online and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not have the ability to get a quote online and most of the time these regional insurance providers work with local independent agents.

Drivers who switch companies do it for many reasons like policy cancellation, extreme rates for teen drivers, being labeled a high risk driver or poor customer service. It doesn’t matter what your reason, finding a new company is not as hard as you think.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best cost and still be able to protect your assets.

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