Lower Your 2016 Kia Cadenza Insurance Rates

Drivers have lots of choices when trying to find the best price on Kia Cadenza insurance. You can either waste hours driving around getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to quote coverages for a new or used Kia and locate the cheapest rates either online or from local insurance agents.

It’s a great practice to get comparison quotes yearly due to the fact that insurance prices change quite often. If you had the lowest rates for Cadenza insurance on your last policy there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to teach you the best methods to lower your annual insurance bill.

Save with these discounts

Car insurance can be pricey, but companies offer discounts that can drop the cost substantially. Some of these disounts will be visible at the time of quoting, but less common discounts must be manually applied in order for you to get them.

  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off for Cadenza insurance with some car insurance companies.
  • Telematics Data Discounts – Insureds who allow their insurance company to study driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
  • Renewal Discounts – Some car insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
  • Policy Bundle Discount – If you insure your home and vehicles with the same insurance company they may give you a discount of as much as 10 to 15 percent.

As a sidenote, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

Companies and some of the discounts are:

  • AAA has discounts for multi-car, education and occupation, good student, anti-theft, multi-policy, and AAA membership discount.
  • Progressive offers premium reductions for online quote discount, homeowner, good student, continuous coverage, online signing, and multi-policy.
  • State Farm discounts include Drive Safe & Save, good driver, anti-theft, Steer Clear safe driver discount, student away at school, and multiple autos.
  • Esurance offers discounts for anti-theft, multi-car, multi-policy, paid-in-full, and defensive driver.
  • Nationwide includes discounts for easy pay, multi-policy, anti-theft, family plan, Farm Bureau membership, accident-free, and good student.

When quoting, ask every company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your state.

How insurance providers calculate Kia Cadenza insurance prices

Many things are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are not as apparent such as your credit history or your vehicle rating.

  • Extra coverages you don’t use – There are quite a few additional extra coverages that may not really be needed if you don’t pay attention. Insurance for things like replacement cost coverage, towing, and additional equipment coverage are some examples. The coverages may be enticing when discussing your needs, but if you’ve never needed them in the past remove them from your policy.
  • Prices impacted by vehicle usage – The more miles you rack up on your Kia in a year’s time the higher your rates will be. A lot of insurance companies charge rates based upon how much you drive. Cars that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. Make sure your policy is rated on the correct usage, because it can save money. Having an incorrect usage rating on your Cadenza may be costing you.
  • Premiums and your address – Residing in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. Urban drivers have to deal with traffic congestion and longer commute times. Less people living in that area means less chance of accidents and lower theft and vandalism rates.
  • Don’t let your policy lapse – Driving with no insurance is illegal and any future policy may cost more because you let your insurance expire. And not only will your rates increase, getting caught without coverage may result in fines or a revoked license.
  • Raise your physical damage deductibles for better premiums – Coverage for physical damage, aka comp and collision, protects your Kia from damage. Examples of covered claims would be collision with another vehicle, collision with an animal, and having your car stolen. Comp and collision deductibles define the amount you are required to spend before your car insurance pays a claim. The larger the amount you’re willing to pay, the less your car insurance will be for Cadenza insurance.
  • Gender matters – The statistics show that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Women and men cause at-fault accidents in similar numbers, but guys tend to have higher claims. Not only that, but men also have more aggressive citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure so they pay the highest premiums.
  • GPS tracking and theft deterrents systems cut rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.

Special considerations

When buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation might need an agent’s assistance.

  • What is the ISO rating for a 2016 Kia Cadenza?
  • Can I afford low physical damage deductibles?
  • Am I covered when delivering products for my home-based business?
  • Do I need replacement cost coverage on my 2016 Kia Cadenza?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Am I insured when driving a different vehicle?
  • Will filing a claim cost me more?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Smaller companies may have the best rates

Drivers can’t get away from ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim of big savings if you change your policy.

But how can every company offer drivers better rates? It’s all in how they say it.

All the different companies can use profiling for the driver that will generate a profit. For example, a driver they prefer might be described as between the ages of 30 and 50, has had continuous coverage, and drives a lower-performance vehicle. Someone that hits that “sweet spot” receives the best prices and therefore will save money with a new company.

Insureds who cannot meet the “perfect” profile will see higher premium rates and business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save the amount stated. That’s the way companies can make those statements. This really drives home the point why drivers should compare free auto insurance quotes often. It’s impossible to know which company will have the best rates.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

This coverage will pay to fix damage to your Cadenza resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability insurance

This will cover damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects, structural damage, bail bonds and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, ambulance fees, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Summing up your auto insurance search

We’ve covered a lot of tips how to shop for 2016 Kia Cadenza insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates are with the least-expected company.

Insureds leave their current company for many reasons like high rates after DUI convictions, policy non-renewal, poor customer service and delays in paying claims. Whatever your reason, switching auto insurance companies is less work than it seems.

As you quote auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

More detailed auto insurance information can be read in the articles below: