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UPDATED: Mar 13, 2020
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Car insurance rates can vary wildly from one company to another, so it is worth spending time comparing quotes to find the best deal for Kia car insurance! Compare car insurance quotes for FREE with our ZIP code search! We are here to help you save and find the cheapest car insurance!
Car insurance companies based their rates on a tiered system, placing each driver into a given risk bucket. Factors that most companies look at are driving history, age, amount of time since the last accident and the amount of miles driven in a year. Companies have a different number of tiers, however, so a driver might be in the top tier of a five-tiered system, but only in the third tier of a fifteen-tier system. Being able to move into a higher tier will often result in low cost car insurance.
Insurance companies also all use complex formulas to determine the appropriate rate for insurance. Different companies will use different formulas, and so one driver may score better with one company than other because that driver’s characteristics fit the algorithm better. Companies may have different opinions on vehicles as well. One company may view a Kia as a car with high car safety ranking and responsible drivers, thus offering lower rates, while a different company has the opposite view.
Another factor in the algorithm can be a driver’s credit score. Drivers with high credit scores may be able to find better rates at some insurers than others. Drivers may also be able to save money and get car insurance by improving their credit ratings.
Pricing of car insurance can also depend on invisible factors occurring within the insurance company as a corporation. Companies with poor credit outlooks have a higher cost of funding and therefore have to charge more to cover the cost of the reserves they must keep by law to pay out claims. Companies with higher ratings from insurance company rating agencies may be able to offer the best car insurance rates.
The cost structure of the company also matters. Companies that spend a lot of money on advertising will need to recoup this cost through higher rates. Similarly, companies that sell insurance through a broker network are generally more expensive because they are paying a commission to their agents for every sale.
Finding Discounts to Car Insurance
Insurance companies generally offer various car insurance discounts which can reduce the cost of insuring a Kia. Insuring multiple cars with one company is generally cheaper than insuring each with a separate company. In the same vein, insurance firms often will reduce the cost of car insurance if the consumer also has homeowner’s, renter’s, or life insurance with the same firm.
Certain companies view certain car features differently. Anti-theft devices, which make it easier to recover a stolen Kia, can lower the car insurance cost. After-market safety features can also be a source of discounts. Installing LED turn signals or fog lights can merit a discount on insurance. Companies will vary greatly in if they offer these discounts and by how much they will reduce premiums.
The safest drivers can benefit from safe-driver monitoring programs that are offered by some companies. In these programs, an insurance company installs an electronic device on the Kia, which monitors how the driver drives. Variables that the insurance company looks at can include distance travelled, speed compared to posted speed limits, and the incidence of abrupt braking. Extremely safe drivers can benefit from reduced rates at companies that offer these programs. Make sure to take the time to compare car insurance by make and find the best way to save!
Customer Service Levels Matter
A softer consideration for comparing auto insurance companies is customer service. A low premium is attractive but may not be worth the hassles involved with getting the company to pay a claim. Companies with excellent customer service and claims management systems have higher overhead and so may have to charge higher rates to cover these expenses. Certain drivers will find this added expense justifiable.
Making Sure Comparisons are Accurate
A key consideration in comparing insurance rates across companies is making sure that similar amounts and types of car insurance are being compared. Various state laws will require drivers to have certain kinds of coverage or not. Some insurance companies may have better rates than others for different kinds of insurance. For instance, one company may have the best rates on comprehensive coverage but the worst rates on collision insurance. It is important to look at the total cost of all the insurance coverage that is needed for a given circumstance.
Car insurance usually includes deductibles, with higher deductible levels costing less money. To correctly compare, try and keep deductibles as similar as possible. The same advice applies for overall coverage levels, such as the amount the company will pay for bodily injury.
Because the market for insurance is dynamic, it is also important to compare rates on the same day. While companies may not change their rates this frequently, eliminating this as a source of variation can help make sure that a consumer makes the best choice possible. Use our ZIP code search and find the best cheap car insurance for FREE! We are here to help you save and stay fully protected!
Over time, insurance rates can change. Market factors within insurance companies change. Cars become older and less expensive to replace if they are in an accident.You might pay a certain amount for Kia Optima car insurance, but that rate my change by the next year. Driving records improve or worsen over time. Companies change the type and structure of discounts they are willing to offer. Because of this, it is often very worthwhile to compare insurance prices frequently because what was the best deal last year may no longer be the case.
Insurance companies also change their rates every year as their algorithms get updated but do not always advertise this to their existing customers. Since car insurance is not paid for frequently, it can be easy to miss a price increase. Shopping for car insurance regularly will protect consumers against stealth price increases that they would otherwise overlook. Take the time to go over our Car Insurance Guide and use our FREE comparison tool! These special tools can help you greatly when looking for Kia car insurance!