Do you want to save money by buying lower-priced Kia Niro insurance in Colorado Springs? Are you drained from trying to scrape together enough money to keep your car insured? You are in the same boat as many other Colorado drivers.
We don’t have to point out that fact that auto insurance companies don’t want you to compare rates. Drivers who compare other rates are very likely to switch companies because of the good chance of finding a lower-priced company. Remarkably, a study showed that people who compared rates annually saved as much as $860 a year as compared to drivers who never shopped around for cheaper prices.
If finding the most affordable car insurance is your ultimate objective, then knowing how to get rate quotes and compare car insurance can help make the process easier and more efficient.
How to buy cheaper Kia Niro insurance in Colorado Springs
If saving money is your primary concern, then the best way to get budget Kia Niro insurance in Colorado Springs is to start comparing rates regularly from providers in Colorado. You can compare rates by completing these steps.
Step 1: Take a little time to learn about coverages and the modifications you can make to lower rates. Many rating factors that are responsible for high rates like accidents, careless driving, and a less-than-favorable credit history can be amended by paying attention to minor details.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give proper notification to your current agent or company to cancel the current policy and submit a completed application and payment for the new policy. As soon as you have the new policy, keep your new certificate verifying proof of insurance in your vehicle.
The key thing to know about shopping around is that you’ll want to make sure you compare identical coverages on each price quote and and to analyze as many auto insurance providers as possible. This provides an accurate price comparison and and a good selection of different prices.
Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer to get the best rate on Kia Niro insurance in Colorado Springs.
If you are already insured or need a new policy, use these money-saving tips to save money while maximizing coverage. Choosing the best rates in Colorado Springs is actually not that difficult if you follow our advice. Smart shoppers just need to use the best way to shop from many different companies.
Most companies allow consumers to get prices on their websites. Comparing Kia Niro insurance rates online is fairly straightforward as all you need to do is type in your personal and coverage information into a form. When the form is submitted, the quote system orders information on your driving record and credit history and returns pricing information based on these and other factors. Using the web to get rates for Kia Niro insurance in Colorado Springs helps simplify price comparisons, and it’s very important to have as many quotes as possible if you want to find lower-cost insurance pricing.
If you want to find out how much you’re overpaying now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you input your coverages identical to your current policy. This way, you will get rate quotes based on similar coverages.
The following companies offer free rate quotes in Colorado. To buy cheaper car insurance in Colorado Springs, we suggest you get rates from several of them in order to find the cheapest rates.
Three good reasons to insure your Kia Niro
Even though it’s not necessarily cheap to insure a Kia in Colorado Springs, auto insurance may be mandatory for several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Kia, almost every bank will force you to buy insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Kia at a significantly higher premium and make you pay much more than you were paying before.
- Insurance safeguards both your Kia Niro and your assets. Insurance will also pay for medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney in the event you are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Colorado is overpaying over $865 each year so we recommend shopping around once a year at a minimum to ensure rates are inline.
Parts of your car insurance policy
Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.
Auto liability
This provides protection from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/15 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $15,000 of coverage for damaged property.
Liability insurance covers claims such as legal defense fees, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford. Colorado state law requires minimum liability limits of 25/50/15 but you should think about purchasing higher limits.
The next chart shows why low liability limits may not be adequate coverage.
Comprehensive insurance
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as hail damage, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as rolling your car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Niro to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Kia Niro.
Since many Colorado drivers only purchase the least amount of liability that is required (which is 25/50/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for immediate expenses for X-ray expenses, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Colorado Springs car insurance company ratings
Selecting the top auto insurance provider can be difficult considering how many different insurance companies sell coverage in Colorado Springs. The information shown below may help you pick which auto insurance companies you want to consider comparing rates from.
Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Colorado Springs Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance