If your goal is the lowest price, then the best way to find more affordable Kia Borrego insurance is to compare quotes once a year from providers in Toledo.
- Step 1: Gain an understanding of coverages and the measures you can take to lower rates. Many risk factors that increase rates like multiple speeding tickets and an imperfect credit history can be controlled by making minor changes to your lifestyle. This article gives the details to help reduce prices and find overlooked discounts.
- Step 2: Compare 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 independent agencies can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Tell your current agent or company of your intent to cancel the current policy and submit any necessary down payment along with the completed application to your new agent or company. Once the application is submitted, place your new proof of insurance paperwork with your registration paperwork.
A valuable tip to remember is to make sure you enter identical coverage information on every quote request and and to get rates from every company you can. This ensures an apples-to-apples comparison and the best price quote selection.
It’s hard to fathom, but over 70% of drivers have bought auto insurance from the same company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. With the average auto insurance premium being $1,343, Ohio drivers could save approximately 55% every year just by shopping around, but most just don’t grasp the big savings they would realize if they moved their coverage to a different company.
These tips will teach you a little about the best methods to compare rates and also pocket some savings If you currently have a car insurance policy, you will definitely be able to lower your rates using these tips. Drivers just need to know how to compare company rates on the web.
The companies in the list below provide price quotes in Ohio. If your goal is to find the best cheap car insurance in Toledo, we suggest you visit two to three different companies in order to get a fair rate comparison.
Do you qualify for discounts?
Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at quote time, but some need to be requested specifically prior to receiving the credit.
- Discount for Home Ownership – Owning your own home or condo may earn you a small savings because it requires personal responsibility.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- Data Collection Discounts – Insureds that choose to allow data collection to analyze vehicle usage by using a telematics device such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
- Responsible Drivers – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Discount for Low Mileage – Maintaining low annual mileage can earn slightly better rates than normal.
- No Claim Discounts – Insureds who avoid accidents and claims have much lower rates in comparison with frequent claim filers.
- Active Service Discounts – Having a family member in the military may lower your premium rates slightly.
- Discounts for New Vehicles – Insuring a vehicle that is new is cheaper since new vehicles are generally safer.
A quick disclaimer, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.
To choose insurers who offer online Kia Borrego insurance quotes in Toledo, follow this link.
Get rate quotes but work with a neighborhood Toledo auto insurance agent
Many people just want to talk to a local agent. Good agents can help determine the best coverages and help you file claims. A good thing about comparing insurance prices online is that you can obtain cheap insurance quotes and still choose a local agent. Supporting neighborhood agents is important particularly in Toledo.
Upon completion of this short form, your coverage information is submitted to local insurance agents that can give you free Toledo auto insurance quotes for your coverage. It makes it easy because there is no need to do any legwork as quotes are delivered directly to your email. If you need to get a price quote from a specific insurance company, you would need to visit that company’s website and submit a quote form there.
When searching for a reliable insurance agent, it helps to know the two different agency structures and how they differ in how they quote coverages. Insurance agents can be categorized as either exclusive agents or independent agents. Either type can sell affordable insurance policies, but it is a good idea to know the differences because it may have an impact on your agent selection.
Independent Insurance Agencies or Brokers
These agents often have affiliation with several companies and that allows them to write policies with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, they can switch companies in-house and you don’t have to switch agencies. When shopping rates, we highly recommend that you contact a few independent agents to get the most accurate price comparison. A lot of them also have access to additional companies that you may not be familiar with which may provide better rates.
Below is a partial list of independent agencies in Toledo who may provide comparison quotes.
- Anderson-Miller Insurance
4149 N Holland Sylvania Rd #3 – Toledo, OH 43623 – (419) 882-1770 – View Map - Westgate Insurance
3450 Central Ave #344 – Toledo, OH 43606 – (419) 536-2213 – View Map - House of Insurance
5801 Telegraph Rd – Toledo, OH 43612 – (419) 476-8436 – View Map
Exclusive Agents
Exclusive agents can usually just insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot give you multiple price quotes so keep that in mind. These agents are well schooled on their products and sales techniques which helps them compete with independent agents. Consumers frequently use the same exclusive agent mostly because of the brand legacy rather than having low rates.
Below are exclusive agencies in Toledo that can give you comparison quotes.
- Dave Bly – State Farm Insurance Agent
2416 W Laskey Rd – Toledo, OH 43613 – (419) 474-9672 – View Map - Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd B – Toledo, OH 43614 – (419) 536-9000 – View Map - Matt Vierk – State Farm Insurance Agent
5650 W Central Ave, Ste AA – Toledo, OH 43615 – (419) 843-4001 – View Map
Deciding on an auto insurance agent shouldn’t rely on just a cheap price quote. Ask your prospective agent these questions:
- Are they able to provide referrals?
- Do they write coverage based solely on cost?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have a valid license to sell insurance in Ohio?
- Will your rates increase after a single accident?
- Where are claims handled?
- How often do they review coverages?
Different people need different auto insurance coverages
Always remember that when buying coverage online or from an agent for your personal vehicles, there is no one-size-fits-all type of policy. Your needs are unique to you.
For instance, these questions can help discover if your insurance needs may require specific advice.
- Does coverage extend to a rental car in a foreign country?
- Will my insurance pay for OEM parts?
- What policy terms are available?
- Do I have coverage when making deliveries for my home business?
- When would I need rental car insurance?
- What if I total my Kia Borrego and owe more than it’s worth?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.
What Determines Kia Borrego Insurance Premiums?
Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, although others are not as apparent like where you live or your vehicle rating. When buying insurance it’s important to understand some of the factors that help calculate your premiums. If you have some idea of what determines premiums, this allows you to make good choices that can earn you lower rates.
- Liability coverage limits should be high – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
- Lower rates for married couples – Having a wife or husband may cut your premiums on your insurance policy. Having a spouse is viewed as being more financially stable and it’s proven that being married results in fewer claims.
- Vocation reflects on rates – Do you have a high-stress occupation? Jobs like real estate brokers, executives, and dentists usually pay higher premiums than the average policyholder due to intense work requirements and incredibly demanding work hours. On the flip side, careers like actors, students and the unemployed receive lower rates.
- Premiums can change based on your address – Being located in a rural area has definite advantages when trying to find low car insurance rates. People who live in big cities tend to have more road rage incidents and much longer commute distances. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft.
- Deter theft and save – Selecting a car model with an alarm system can save you some money. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
- Combine policies and save – Lots of insurance companies will award discounts to people who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to get quotes from other companies to guarantee you are still saving the most.
- Drive a fast car and pay more – The make and model of the car you are buying insurance for makes a substantial difference in your auto insurance rates. The lowest premiums are usually found on small economy passenger models, but that’s not the only thing that factors into the final price.
- Lower rates come with age – More experienced drivers are more cautious drivers, tend to cause fewer accidents, and get fewer tickets. Youthful drivers have been known to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
Why you need Kia vehicle insurance in Ohio
Despite the high cost, insuring your vehicle may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance coverage in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, most banks will force you to buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Kia at a significantly higher premium and require you to reimburse them for the much more expensive policy.
- Insurance protects both your car and your assets. It also can pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If your Kia gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Toledo is overpaying over $869 every year so compare quotes from several companies at least once a year to save money.
Find cheaper rates by being thorough
You just read many ideas to get a better price on Kia Borrego insurance in Toledo. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with some of the smallest insurance companies.
People leave their current company for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, not issuing a premium refund and questionable increases in premium. Regardless of your reason, finding the right car insurance provider is easier than you think.
When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. In many instances, someone dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at an affordable rate.
Helpful information
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- How Much are Car Insurance Rates for a Ford Edge in Toledo? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Uber Drivers in Toledo? (FAQ)
- Who Has Cheap Toledo Auto Insurance for Handicapped Drivers? (FAQ)
- Who Has Affordable Toledo Car Insurance for Seniors? (FAQ)
- How Much is Toledo Car Insurance for a Ford F-150? (FAQ)
- How Much are Toledo Auto Insurance Quotes for a 20 Year Old Female? (FAQ)
- Who Has Cheap Toledo Auto Insurance Rates for Unemployed Drivers? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)