Cheap 2014 Kia Cadenza Car Insurance Cost

Nobody likes buying car insurance, especially when they could find better rates elsewhere. Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate persitently shower you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Compare insurance rate quotes

Reducing your 2014 Kia Cadenza insurance rates is actually quite simple. All that’s required is to take a couple of minutes getting comparison quotes from some recommended companies. Insurance prices can be quoted using a couple different methods.

  • Without a doubt, the easiest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This quick form keeps you from doing multiple quote forms for each company you want a rate for. Taking the time to complete one form gets you price quotes from multiple companies.
  • A harder way to find better pricing requires visiting each individual company website and complete a new quote form. For instance, we’ll assume you are doing a rate comparison from State Farm, Esurance and Travelers. To do that, you would have to go to each individual site to enter your coverage information, which can be really labor intensive. To view a list of companies in your area, click here.
  • The hardest way to find lower rates is actually driving to all the different insurance agencies. Shopping for insurance online has reduced the need for local agents unless you prefer the professional abilities of a local agent. It is possible to price shop online but still have the advice of a local agent.

Compare rates however you want, just make sure you compare apples-to-apples coverage information on every quote you get. If the quotes have different limits and deductibles on each one it will be nearly impossible to determine the best price for your Kia Cadenza.

Auto insurance advertisements

Consumers constantly see and hear ads that claim the best prices by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise about saving some big amount just by switching your coverage to them.

Is it even possible that every company can offer you a better deal? You have to listen carefully.

All the different companies have underwriting criteria for the type of customer that will most likely be profitable. A good example of a desirable risk should be between 25 and 40, insures multiple vehicles, and the vehicle is rated for pleasure use. Any new insured that fits those parameters will get the preferred prices as well as save a lot of money.

Potential insureds who cannot meet this stringent profile may be forced to pay a higher premium which translates to business going elsewhere. The trick is to say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can make those claims.

This really drives home the point why you absolutely need to quote coverage with many companies. It is just not possible to predict which insurance companies will fit your personal profile best.

Insurance Discounts

Some companies don’t always publicize every discount they offer very well, so we researched some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Telematics Devices – Drivers that enable driving data submission to look at where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Driver Training Discounts – Taking time to complete a safe driver course could save 5% or more if your company offers it.
  • New Vehicle Savings – Insuring a new car is cheaper since new model year vehicles have better safety ratings.
  • Lower Rates for Military – Being deployed with a military unit could mean lower insurance rates.
  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on Cadenza coverage with a few insurance companies.

Just know that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should help reduce the premium cost.

To find insurance companies who offer online insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When buying adequate coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Is rental equipment covered for theft or damage?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I hit a deer?
  • Can my teen drive my company car?
  • Does my car insurance cover rental cars?
  • Should I have a commercial auto policy?
  • How much liability do I need to cover my assets?
  • If my 2014 Kia Cadenza is totaled, can I afford another vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Kia Cadenza.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Coverage for collisions

This coverage covers damage to your Cadenza from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, X-ray expenses and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, hitting a deer, fire damage, hail damage and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, bail bonds, emergency aid, repair costs for stationary objects and medical expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Cheaper insurance is a realistic goal

More affordable auto insurance is attainable both online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agents.

When you buy insurance coverage online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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