Have you fallen victim to an overpriced auto insurance policy? Believe me, many San Francisco consumers feel financially strained by their auto insurance policy.
Sadly, almost 70% of insureds kept buying from the same company for well over three years, and virtually 40% of consumers have never shopped around. Drivers in California can save approximately 35% each year by just shopping around, but they don’t believe the benefits if they bought a different policy.
Steps to buying cheaper Kia Stinger insurance in San Francisco
It takes a little time, but the best way to get affordable Kia Stinger insurance in San Francisco is to compare prices at least once a year from companies who provide auto insurance in California.
Step 1: Try to learn a little about how companies set rates and the modifications you can make to keep rates low. Many rating criteria that result in higher rates such as at-fault accidents, speeding tickets, and a less-than-favorable credit history can be remedied by paying attention to minor details. Read the full article for instructions to help prevent costly coverage and get bigger discounts.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can quote prices for many different companies.
Step 3: Compare the new rates to the price on your current policy to see if a cheaper rate is available in San Francisco. If you can save money and switch companies, ensure coverage does not lapse between policies.
Step 4: Notify your current company of your intention to cancel your existing policy and submit a down payment along with a signed application to your new carrier. Don’t forget to put the certificate of insurance somewhere easily accessible.
A tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every price quote and and to look at as many companies as possible. This helps ensure a level playing field and a thorough price selection.
There is such a variety of car insurance companies to pick from, and even though it’s nice to have a selection, it makes it harder to compare company pricing for Kia Stinger insurance in San Francisco.
It is always a good idea to compare premium rates before your policy renews because auto insurance prices are rarely the same from one policy term to another. Just because you had the best rate on Kia Stinger insurance in San Francisco a couple years back there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to reduce your cost while increasing coverage.
Choosing the best rates in San Francisco is quite easy. In a nutshell, every person who shops around for insurance should be able to cut their insurance bill. But California consumers need to learn how big insurance companies determine what you pay and use it to your advantage.
The most recommended method to compare car insurance company rates for Kia Stinger insurance in San Francisco utilizes the fact most larger insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information including if it has an anti-theft system, an estimate of your credit level, deductibles desired, and if the vehicle is leased. The data is automatically sent to multiple companies and they respond with quotes almost instantly.
To check rates for your Kia Stinger now, click here and enter your zip code.
The car insurance companies shown below are our best choices to provide price quotes in California. If more than one company is shown, it’s a good idea that you get price quotes from several of them to get a more complete price comparison.
Insuring your Kia Stinger just makes sense
Despite the potentially high cost of Kia Stinger insurance, insuring your vehicle may not be optional for several reasons.
- Most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will force you to have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Kia for a much higher rate and force you to pay a much higher amount than you were paying before.
- Insurance protects both your vehicle and your personal assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your Stinger greatly outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.
What is the best insurance coverage?
Always remember that when buying a policy for your personal vehicles, there really isn’t a one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that might point out whether you could use an agent’s help.
- Should I have combined single limit or split liability limits?
- Why does it cost so much to insure a teen driver in San Francisco?
- How much liability coverage do I need in California?
- Can my teen drive my company car?
- Is my vehicle covered by my employer’s policy when using it for work?
- Am I covered when pulling a rental trailer?
- How much will a speeding ticket raise my rates?
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.
Specific coverage details
Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Liability auto insurance – This coverage protects you from damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible. California state minimum liability requirements are 15/30/5 but you should consider buying more coverage.
The next chart demonstrates why minimum state limits may not be high enough to cover claims.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from flooding, vandalism and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses for things like doctor visits, X-ray expenses, surgery, ambulance fees and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision – Collision coverage will pay to fix damage to your Stinger resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as rolling your car, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Stinger to save money on collision insurance.
Cover all your bases
As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
Throughout this article, we presented a lot of tips how to reduce Kia Stinger insurance premium rates online in San Francisco. The most important thing to understand is the more you quote San Francisco car insurance, the better your chances of lowering your prices. Drivers may even discover the biggest savings come from the smaller companies.
The cheapest Kia Stinger insurance in San Francisco is definitely available on the web as well as from independent agents in San Francisco, so you need to quote San Francisco car insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer rates over the internet and usually these smaller companies only sell through independent insurance agencies.
Steps to finding better rates for Kia Stinger insurance in San Francisco
If saving money is your primary concern, then the best way to get low-cost Kia Stinger insurance is to do a yearly price comparison from companies who provide auto insurance in San Francisco. Price quotes can be compared by completing these steps.
- Learn about how insurance works and the factors you can control to prevent expensive coverage. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and a negative credit history can be controlled by making minor changes to your lifestyle.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates for a wide range of companies.
- Compare the price quotes to your existing rates to see if you can save by switching companies. If you find better rates and buy the policy, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intent to cancel your current coverage. Submit a down payment along with a completed application to the newly selected company. Make sure you place your new certificate verifying coverage with your vehicle’s registration.
A good tip to remember is that you use similar coverage information on every quote request and and to get rates from every insurance company. This guarantees the most accurate price comparison and the best price selection.
Even more information is located at these sites:
- Safety Features for Your New Car (State Farm)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in San Francisco? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 50 in San Francisco? (FAQ)
- What Insurance is Cheapest for Drivers Requiring a SR22 in San Francisco? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Vehicle Safety Ratings (iihs.org)