With over 640 car dealers scattered across the U.S., it’s not surprising that Kia Motors America has been slowly but steadily gaining market share in the country. In the U.S., it focuses on providing a wide range of cars and SUVs or minivans.
For example, if you’re in the market for a new car with a lower budget, you can try the Kia Rio, which sells for just over $12,000 at the time of this writing. (Do you have a higher budget? Then head to the Amanti, which starts at $26,580!). If you have a big family and want an SUV, how about the Kia Sportage, which sells for just over $20,000? (Do you have a higher budget? Then head to Borrego, which starts at $26,995!).
As you can see, there is a Kia for every budget. However, always remember that just like with any car purchase, you also need to take out insurance. Below are some pointers to keep in mind to keep your Kia car insurance low.
Ways to save on car insurance for your Kia
No one wants to pay more than they have to when it comes to insurance. If this is your first time getting one, then make sure you shop and compare. Even if you’re already with a particular insurer, it won’t hurt to buy back in and compare now. It’s not really impossible to save hundreds of dollars by simply switching to a better provider.
In general, there are five ways you can keep car insurance expenses low: keep your driver records clean and up-to-date, drive low-profile vehicles equipped with certain money-saving car safety features, adjust coverage to take on more risk, look for low-cost providers, and look for discounts you may be qualified for.
For the final tip, here’s a quick rundown of the discounts you can get.
• Combined cover. Save a lot of money by insuring your car with the same provider that insures your home. Find out if they offer combined coverage. Aside from lowering car insurance payments, this will also make homeowners’ policies cheaper. Inquire about renewal discounts granted to people who stay with the same insurer for an extended period of time.
• Car safety features. Anti-lock braking system, airbags and automatic seat belts are examples of vehicle safety functions. Some states even encourage motorists to buy vehicles with such features by requiring auto insurers to provide discounts. If your Kia car has security features, point this out to the provider.
• Low-risk jobs. Adjusters collect information about the types of people likely to be involved in a car accident. Someone with a low-risk profession will be charged less for car insurance, so be sure to check this out.
• Take more risks. Drop collision insurance for older vehicles for drastic reductions. The demand for higher deductibles is another way to reshape a policy while saving money. Deductibles are the amounts car owners pay before insurance companies start paying for the rest. In short, car owners pay for the small bumps and dents, while insurance companies shoulder the heavy, more serious hits.
Enjoy your Kia vehicle without having to pay more than necessary for car insurance. Savings are not hard to come by; You just have to look around and ask about them.
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Wendy is now a financial analyst and writer. Wendy has been writing about finance and personal finance since she was a sophomore in high school. She has also been writing for several online publications and published in The Huffington Post, and Forbes Woman.
Wendy is a credentialed financial analyst and has experience working with financial institutions and businesses. Wendy is also a certified financial planner. When Wendy's not writing, she enjoys tending to her many plants, watching TV, and spending time with her family.
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