Wish you could get a refund on overpriced Kia Amanti insurance in Chicago? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.
Unimaginable but true, the vast majority of auto insurance customers renewed their policy with the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. Illinois consumers can save hundreds of dollars each year, but they feel it’s too difficult to do a rate comparison. Numerous car insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the cheapest price on Kia Amanti insurance in Chicago.
You should make it a habit to get comparison quotes as often as possible because prices go up and down regularly. Just because you had the best deal on Kia Amanti insurance in Chicago two years ago there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to find great coverage at a great price.
If you have a policy now or want to find a cheaper company, you can use these techniques to get lower rates without having to cut coverage. Locating the best rates in Chicago is actually quite simple. Smart buyers just need to learn the best way to shop online.
Learn How to Find Car Insurance Cheaper
Many different elements are considered when you get a price on insurance. Some factors are common sense like your driving record, but some are more obscure such as your credit history or your commute time.
The list below includes some of the things companies use to determine your rates.
Marriage discount – Walking down the aisle can actually save you money on car insurance. Having a significant other may mean you are more mature and responsible and statistics show being married results in fewer claims.
Drivers with high credit save on car insurance – Having a good credit rating factor in determining premium rates. So if your credit history could use some work, you could potentially save money when insuring your Kia Amanti by spending a little time repairing your credit. Insureds that have high credit scores tend to file fewer claims than those with bad credit.
Your stress level may be raising your prices – Did you know your career choice can influence rates? Occupational choices like fire fighters, business owners and emergency personnel tend to have higher rates than the rest of us because of high stress levels and lots of time spent away from family. Conversely, careers like actors, students and retirees have lower than average premiums.
Annual miles is a factor – The more you drive your Kia annually the more you will pay for car insurance. A lot of companies calculate rates based on their usage. Vehicles used primarily for pleasure use receive lower rates than those that get driven frequently. Double check that your car insurance policy correctly shows how each vehicle is driven. An improperly rated Amanti is just wasting money.
Your liability protection limits – A critical coverage on your policy, liability insurance is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
Getting a cheaper price on Kia Amanti insurance is a fairly straight forward process. Just invest a few minutes to compare rate quotes online with multiple companies.
Doing price comparisons online is so simple that it takes the place of having to drive around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional assistance that you can only get from talking to an agent. However, consumers can find lower rates online but buy the policy through an agent.
The companies shown below are ready to provide quotes in Illinois. If multiple companies are listed, we recommend you click on several of them to get the lowest price.
Three reasons to not skimp on car insurance
Despite the high insurance cost for a Kia Amanti in Chicago, insuring your vehicle is a good idea for several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability coverage in order to get the vehicle licensed. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 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 make it mandatory that you have full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Kia at a significantly higher premium and force you to pay for the expensive policy.
- Car insurance protects not only your Kia but also your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. An average driver in America overpays as much as $855 a year so it’s recommended you shop around each time the policy renews to ensure rates are inline.
Take policy discounts and save on Kia Amanti insurance in Chicago
Car insurance is easily one of your largest bills, but there are discounts available that you may not even be aware of. Many of these discounts will be applied automatically when you complete an application, but some must be specially asked for prior to receiving the credit. If you do not double check each discount possible, you’re paying more than you need to.
- ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
- Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
- Memberships – Affiliation with certain professional organizations is a simple method to lower premiums on your next renewal.
- Renewal Discounts – Some car insurance companies provide a discount for switching policies before your current expiration date. This discount can save up to 10%.
- Discount for Low Mileage – Low annual miles could be rewarded with slightly better rates than normal.
- Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can actually save on your bill.
Don’t be surprised that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
To choose car insurance companies with the best discounts in Illinois, follow this link.
Insurance agents can find coverage gaps
Many drivers just prefer to have an agent’s advice and doing so can bring peace of mind Experienced insurance agents can make sure you are properly covered and help submit paperwork. The best thing about comparing rates online is that you can find cheap car insurance quotes but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents who want to provide quotes for your business. It makes it easy because there is no need to even leave your home since price quotes are sent immediately to your email address. If you need to compare prices from a specific company, don’t hesitate to jump over to their website and submit a quote form there.
Deciding on an insurer shouldn’t rely on just a cheap price. The questions below may impact your decision as well.
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency support the community they serve?
- What is the agency’s Better Business Bureau rating?
- What insurance companies do they work with in Chicago?
- In the event of vehicle damage, can you pick the collision repair facility?
- Are there any discounts that you might be missing?
Cheaper auto insurance premiums are possible
When getting Chicago auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost.
You just learned a lot of tips how to compare Kia Amanti insurance rates in Chicago. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with the smaller companies. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.
Helpful resources
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What Insurance is Cheapest for a Toyota Tacoma in Chicago? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Felons in Chicago? (FAQ)
- How Much are Car Insurance Rates for Drivers Requiring a SR22 in Chicago? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What does Personal Injury Protection (PIP) Cover? (Allstate)