Lower Your 2015 Kia Cadenza Insurance Rates

Looking for better insurance rates for your Kia Cadenza? Finding better insurance prices for a Kia Cadenza can turn out to be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to find insurance online and we’ll show you the best way to get price quotes on a Kia and get the lowest price.

How to Compare Auto Insurance Costs

Finding lower auto insurance rates is actually quite simple. Consumers just need to take the time comparing price quotes online from several insurance companies. This can be accomplished in several different ways.

  1. The recommended way to get quotes for comparison is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form entry for each company. A single, simple form compares rates from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. Another way to compare rate quotes consists of going to the website for each individual company and fill out their own quote form. For instance, we’ll assume you want to compare rates from Progressive, Farmers and GMAC. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

However you get your quotes, be sure to compare the exact same coverage information with every price quote. If your comparisons have differing limits you will not be able to truly determine the lowest rate.

Ads can be misleading

Drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make the same claim of big savings after switching your coverage to them.

How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of driver they prefer to insure. An example of a profitable customer could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for this ideal profile will have to pay a higher premium which leads to the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can state the savings.

Because of the profiling, you should quote coverage with many companies. You cannot predict which company will fit your personal profile best.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you are throwing money away.

  • Homeowners Pay Less – Owning a house can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Cadenza coverage with certain companies.
  • Low Mileage Discounts – Keeping the miles down on your Kia could qualify for better rates on cars that stay parked.
  • 55 and Retired – Older drivers may receive a small decrease in premiums on Cadenza coverage.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Cadenza coverage than their less cautious counterparts.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.

It’s important to note that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut the cost of coverage.

Insurance companies that may offer some of the above discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available in your state.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are my tools covered if they get stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Does my insurance cover a custom paint job?
  • How much liability coverage do I need in my state?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Coverages available on your policy

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Make a quick buck

Consumers change insurance companies for many reasons like high prices, policy non-renewal, unfair underwriting practices and even delays in paying claims. No matter why you want to switch, finding a great new company is not as hard as you think.

We covered a lot of ways to get a better price on 2015 Kia Cadenza insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the lesser-known companies.

Budget-conscious insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

More detailed car insurance information is available in the articles below: