Would you like to buy low-cost Kia Niro insurance in Phoenix? Have you finally had enough of sacrificing other expenses to pay your car insurance bill each month? You are no different than many other Arizona drivers.
A recent car insurance study revealed that nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly half have never taken the time to shop around. Phoenix consumers could save almost 50% a year, but they just don’t understand how easy it is to shop their coverage around. Many insurers vie for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute best price available on Kia Niro insurance in Phoenix.
Car insurance policy discounts for Kia Niro insurance in Phoenix
Not too many consumers would say car insurance is affordable, but you may qualify for discounts that may help make it more affordable. Certain discounts will be triggered automatically when you complete an application, but some must be asked for before they will apply. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Federal Employees – Active or former government employment can earn a discount up to 10% depending on your company.
- Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks get Phoenix car insurance digitally online.
- Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get better car insurance rates.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
- Student Discounts – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
- College Student Discount – Any of your kids who are attending college and don’t have a car could get you a discount.
- Include Life Insurance and Save – Some companies give a discount if you purchase some life insurance too.
- Braking Control Discount – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
- Telematics Data Discounts – Insureds that choose to allow their insurance company to track their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
Don’t be shocked that some credits don’t apply to the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it’s just not the way it works. But all discounts will definitely reduce your overall bill.
Popular car insurance companies and the discounts they provide are detailed below.
- GEICO policyholders can earn discounts including military active duty, good student, air bags, emergency military deployment, and driver training.
- Travelers offers discounts for home ownership, IntelliDrive, driver training, payment discounts, and continuous insurance.
- Farm Bureau may have discounts that include renewal discount, good student, multi-vehicle, driver training, safe driver, 55 and retired, and youthful driver.
- Liberty Mutual may offer discounts for new vehicle discount, teen driver discount, exclusive group savings, hybrid vehicle, newly married, and new move discount.
- American Family includes discounts for good driver, bundled insurance, air bags, mySafetyValet, and Steer into Savings.
- Progressive offers premium reductions for good student, multi-policy, online quote discount, online signing, continuous coverage, and multi-vehicle.
If you are trying to find affordable Kia Niro insurance quotes, ask all companies you are considering to give you their best rates. Some discounts listed above might not be available to policyholders in every state. To locate insurance companies offering car insurance discounts in Arizona, follow this link.
The following companies can provide price comparisons in Phoenix, AZ. If multiple providers are shown, we recommend you get rate quotes from several of them to get the best price comparison.
Don’t assume everyone needs the same insurance coverage
When choosing the best insurance coverage for your vehicles, there really isn’t a “perfect” insurance plan. Your financial needs are unique.
These are some specific questions might help in determining if your situation would benefit from an agent’s advice.
- Should I sign the liability waiver when renting a car?
- Does car insurance cover theft of personal property?
- Is motorclub coverage worth it?
- When would I need rental car insurance?
- Does my policy cover me when driving someone else’s vehicle?
- Am I covered by my spouse’s policy after a separation?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Car insurance quotes from neighborhood Phoenix auto insurance agents
Many drivers still like to get advice from a local agent and that is not a bad decision Good insurance agents are highly skilled in risk management and help submit paperwork. The biggest benefit of getting online price quotes is that drivers can save money and get cheap car insurance rates and still buy from a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information gets sent to insurance agents in Phoenix that give free quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency as quotes are delivered to you. If you wish to get a rate quote from a specific car insurance provider, you would need to visit that company’s website and fill out their quote form.
Picking a company is decision based upon more than just the quoted price. You should also get answers to these questions.
- Is there a Errors and Omissions policy in force?
- Do they have 24-hour customer assistance?
- Does the agency have a positive business rating?
- Are you getting all the discounts the company offers?
- When do they do a full risk review?
If you prefer to buy car insurance from a local agent, it’s helpful to know the different agency structures and how they operate. Car insurance agents in Phoenix are either independent agents or exclusive agents depending on their employer. Both can write car insurance policies, but it’s worth learning how they are different since it can affect which agent you choose.
Exclusive Insurance Agents
These agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on what they offer which helps them sell insurance even at higher premiums.
Shown below is a list of exclusive insurance agents in Phoenix that can give you price quote information.
Independent Agents (or Brokers)
Agents of this type often have many company appointments so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If premiums increase, the business is moved internally which makes it simple for you.
When comparing car insurance rates, you should always get quotes from multiple independent agents to get the most accurate price comparison.
The following are Phoenix independent agents willing to provide price quote information.
If you receive good responses to your questions and locked in a price quote, you’ve probably found an insurance agent that can be relied on to provide car insurance coverage. Just be aware that it’s your coverage and you can terminate coverage whenever you want so don’t think that you are permanently stuck with a specific agent with no way to switch.
Choosing the best Kia Niro insurance in Arizona is an important decision
Despite the high cost, paying for auto insurance serves several important purposes.
- Just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Niro, more than likely the lender will force you to buy full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Kia at a much higher premium rate and force you to pay for the expensive policy.
- Auto insurance protects not only your Kia but also your financial assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver is wasting up to $700 annually so we recommend shopping around at least once a year to save money.
Auto insurance coverages explained
Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
This covers damage to your Niro resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible on your Niro to bring the cost down.
Medical costs insurance
Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible
This coverage can cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 which stand for $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability insurance covers claims such as repair costs for stationary objects, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry more liability than the minimum.
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many Arizona drivers have only the minimum liability required by law (which is 15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive or Other Than Collision
This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like falling objects, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Shop around and save
We’ve covered many ways to reduce Kia Niro insurance prices online in Phoenix. The most important thing to understand is the more you quote Phoenix car insurance, the better likelihood of getting cheaper Phoenix car insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company.
People change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, policy non-renewal or unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be pretty painless.
Some insurance providers do not provide the ability to get quotes online and these smaller providers only sell through independent insurance agencies. Discount Kia Niro insurance can be bought on the web and from local agencies, so compare prices from both in order to have the best price selection to choose from.
Much more information about auto insurance in Arizona can be read at the links below
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has Cheap Auto Insurance for a Toyota Tacoma in Phoenix? (FAQ)
- How Much is Car Insurance for Uninsured Drivers in Phoenix? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Police Officers? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)