2007 Kia Amanti Car Insurance Rates – 8 Ways to Save

Saving money on car insurance can seem to be difficult for consumers not familiar with buying insurance online. Drivers have so many companies to choose from that it can turn into a real hassle to compare prices.

You should take the time to price shop coverage periodically since rates go up and down regularly. Just because you had the best rates for Amanti insurance a couple years back a different company probably has better rates today. There is a lot of wrong information about car insurance online, so by reading this article, you’re going to learn some great ideas on how to reduce your car insurance bill.

Auto Insurance Prices

There are a lot of ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could spend your day discussing policy coverages with agents in your area, or you can utilize online quotes for quick rates.

Most of the larger companies enroll in a system that enables customers to submit one quote, and each participating company then returns a price quote for coverage. This prevents consumers from doing quote forms for every auto insurance company.

To get comparison pricing now click here to open in new window.

The single downside to using this type of form is you can’t choose the providers to get pricing from. So if you prefer to pick individual companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples quote information for each price quote. If each company quotes unequal deductibles or liability limits it will be very difficult to make an equal comparison. Having just a slight variation in limits may result in a large different in cost. Just remember that obtaining a wide range of quotes provides better odds of finding the best price.

When might I need an agent?

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover if you will benefit from professional help.

• How do I file an SR-22 for a DUI in my state?
• Is my Kia Amanti covered if I use it for business?
• Is my dog or cat covered if injured in an accident?
• Am I covered when driving a rental car?
• Should I bundle my homeowners policy with my auto?
• Do I have coverage when making deliveries for my home business?
• Am I covered if my car is in a flood?
• Is pleasure use cheaper than using my 2007 Kia Amanti to commute?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, fire damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses like rehabilitation expenses, X-ray expenses, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, medical expenses, structural damage, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Amanti caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.