Locating better insurance prices for a Kia Stinger in California can be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to get price quotes for your Kia and get the cheapest rates either online or from San Diego insurance agents.
It’s a great practice to do price comparisons once or twice a year since prices are constantly changing. Just because you found the best rate on Kia Stinger insurance in San Diego a year ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the fastest way to find great coverage at a great price.
Affordable companies for Kia Stinger insurance in California
The companies shown below offer comparison quotes in San Diego, CA. If several companies are displayed, it’s highly recommended you compare several of them to get the lowest price.
Get cheaper Kia Stinger insurance in San Diego with discounts
The price of auto insurance can be rather high, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you quote, but some must be requested specifically before you will receive the discount. If you are not receiving all the discounts possible, you could be saving more on your auto insurance.
- Defensive Driver Discount – Taking time to complete a safe driver class could cut 5% off your bill and also improve your driving technique.
- E-sign Discounts – A few larger online companies give back up to $50 for buying your policy on their website.
- Early Switch Discount – Some auto insurance companies reward drivers for switching to them prior to your current Stinger insurance policy expiration. Ten percent is about the average savings.
- Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
- Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for newer models.
- Discount for Life Insurance – Auto insurance companies who offer life insurance give better prices if you take out some life insurance too.
- No Claims – San Diego drivers who stay claim-free can earn big discounts compared to insureds who have frequent claims or accidents.
We need to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.
A few of the larger companies and a partial list of their discounts are detailed below.
- Farmers Insurance offers discounts including early shopping, mature driver, distant student, good student, youthful driver, homeowner, and pay in full.
- Esurance discounts include online quote, multi-car, online shopper, anti-lock brakes, Switch & Save, homeowner, and good driver.
- State Farm policyholders can earn discounts including safe vehicle, multiple autos, driver’s education, accident-free, Drive Safe & Save, student away at school, and defensive driving training.
- GEICO may include discounts for good student, multi-vehicle, air bags, seat belt use, and military active duty.
- Allstate has discounts for auto/life discount, 55 and retired, FullPay discount, good student, and premier discount.
If you want the cheapest Kia Stinger rate quotes, ask each insurance company the best way to save money. Savings might not apply in San Diego. To see a list of insurers that provide some of the discounts listed above in California, follow this link.
Learn How to Lower Your Insurance Rates
Smart consumers have a good feel for the factors that go into determining your policy premiums. When consumers understand what impacts premium levels, this enables informed choices that can help you get cheaper rates. Lots of things are considered when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like your continuous coverage or how financially stable you are.
Cheaper rates using alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
Small coverages can add up – There are many extra add-on coverages that can add up on your Stinger policy. Coverages like rental car coverage, towing, and extra life insurance coverage are some examples. You may think they are a good idea when buying your policy, but if they’re wasting money consider taking them off your policy.
No policy gaps is important – Driving with no insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.
Car insurance rates and your job – Do you have a high-stress occupation? Occupations like military personnel, executives and accountants generally pay higher premiums than the average policyholder in part from high stress levels and long work days. On the flip side, careers such as farmers, historians and performers have lower than average premiums.
Too many policy claims will drive prices up – Insurance companies in California award discounts to drivers who are claim-free. If you frequently file small claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Impacts performance impacts auto insurance costs – The make and model of the car you are insuring makes a substantial difference in how high your rates are. Due to the fact that the Kia Stinger is a sedan, insuring your vehicle will cost about the same than the average rate where you live in San Diego. Small economy passenger cars normally have pretty low rates, but your final cost has many other factors.
Auto insurance agents near you
Some consumers just want to get advice from a local agent and that is OK! Professional insurance agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of price shopping on the web is the fact that drivers can get lower prices and still have an agent to talk to.
After completing this simple form, your insurance coverage information gets sent to participating agents in San Diego that give free quotes and help you find cheaper coverage. You never need to search for any insurance agencies because quoted prices will be sent instantly to you. If you want to quote rates from a specific insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Finding a good provider needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Are they in the agency full-time?
- Do the agents have professional certifications like CPCU or CIC?
- Do the coverages you’re quoting properly cover your vehicle?
- If they are an independent agency in San Diego, which companies do they recommend?
- How is replacement cost determined on your vehicle?
- Does the agency support the community they serve?
- Can they help ensure a fair claim settlement?
Compare rates from both independent and exclusive auto insurance agents
If you are searching for a local insurance agency, it can be helpful to understand the types of agencies that you can select. Insurance agencies in San Diego can either be exclusive or independent. Either one can handle insurance, but it is a good idea to know why they differ because it may have an impact on which type of agent you select.
Exclusive Agents
Agents of this type can only place business with one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are highly trained on sales techniques and that enables them to sell even at higher rates. Some people will only buy from exclusive agents mostly because of the brand rather than having the cheapest rates.
Shown below are San Diego exclusive agencies that can give you price quotes.
- Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 – San Diego, CA 92139 – (619) 773-2300 – View Map - Mike Morrell – State Farm Insurance Agent
2207 Garnet Ave a – San Diego, CA 92109 – (858) 273-3001 – View Map - Lazaro Neto – State Farm Insurance Agent
4444 El Cajon Blvd #13 – San Diego, CA 92115 – (619) 229-6799 – View Map
Independent Insurance Agents
Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies through many different insurance companies and help determine which has the cheapest rates. If they quote lower rates, they simply switch companies in-house and that require little work on your part. When comparing insurance rates, you will want to get rate quotes from at least one independent agent to maximize your price options. A lot of them also have access to additional companies that you may not be familiar with which can save you money.
Shown below are San Diego independent agents willing to provide comparison quotes.
- B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map - Rubin Insurance
6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 – View Map - Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map
If you get answers to your satisfaction to these questions and a low price estimate, most likely you have located an auto insurance agent that will insure your vehicles. It’s important to know that consumers can terminate coverage for any reason so don’t think that you are permanently stuck with any specific company with no way out.
Are you falling for claims of savings?
Consumers can’t ignore all the ads that claim the best rates by companies like GEICO, State Farm and Progressive. They all seem to try to convey promises about savings just by switching your policy.
It sounds good, but how can they all offer drivers better rates? This is how they do it.
Insurance companies have a certain “appetite” for the type of insured that will add to their bottom line. A good example of a profitable risk profile could possibly be over the age of 40, has a clean driving record, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest prices in San Diego and will most likely save quite a bit of money when switching.
Potential customers who do not match this ideal profile may receive higher premium rates with the end result being business not being written. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully make the claims of big savings. Because of these techniques, you really need to get as many free San Diego car insurance quotes as possible. You cannot predict the company that will have better prices than you’re paying now.
Final considerations
People switch companies for any number of reasons including not issuing a premium refund, high prices, questionable increases in premium and even being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company can be less work than you think.
Some companies don’t offer the ability to get quotes online and these smaller companies only sell coverage through local independent agents. Cost effective Kia Stinger insurance can be sourced on the web and with local San Diego insurance agents, and you need to comparison shop both to get a complete price analysis.
When getting San Diego car insurance quotes online, never buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.
More information is located at these links:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Cheap San Diego Car Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Cheap San Diego Car Insurance Rates for Nurses? (FAQ)
- Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
- Who Has Cheap San Diego Auto Insurance with Multiple Speeding Tickets? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Choosing an Insurance Company (Insurance Information Institute)