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Kia Borrego Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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Shopping for auto insurance online is simple to do and there is a good chance you can save money. The critical component is to take the time to get as many rate quotes as possible so you can compare every option.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from local auto insurance companies. The quickest method to find the lowest Kia Borrego insurance quotes consists of shopping online. This can be accomplished by visiting this page.

Car insurance premiums for a Kia Borrego can vary widely subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating
  • Where you reside can make a big difference
  • How many miles you drive
  • Male rates may be higher
  • Higher deductibles save money
  • Safety rating of your Borrego
  • Your occupation
  • Your coverage level
  • Whether you own your home

An additional factor that will help determine Kia Borrego insurance rates is the year of the vehicle. Older cars and trucks cost less than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer vehicles may have safety features like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

Kia Borrego liability coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your Borrego caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Kia Borrego collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper Kia Borrego insurance rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.

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