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Kia Car Insurance

Once you pick the Kia that fits your lifestyle all that is left is to find the Kia car insurance that fits your budget. Finding cheap Kia auto insurance online is easy. You can quickly compare rates from different companies to see which Kia car insurance you should purchase.

Kia manufactures quality cars that are affordable, stylish and safe. Whether you drive a new or used Kia, your car is built to last. The Kia Amanti, Rio and Spectra are popular sedans that have plenty of legroom and trunk space. For the drivers looking to haul something other than just the groceries, the Kia Borrego, Sedona or Kia Sportage has plenty of room for the cooler, camping equipment and passengers.

Kia Motors is South Korea's second largest automobile manufacturers and is owned by Hyundai Kia Automotive Group. The American branch, Kia Motors America, broke ground on its first assembly plant in the United States in October of 2006 at West Point, Georgia, which is located near Columbus, Georgia. It began branching out in 2005, and is one of the fastest growing car companies and has had varying success in the European and American markets. The name "Kia" comes from the Sino-Korean words ki, which means to come out, and a, which stands for Asia, so it is roughly translated into "rising out of Asia," since that is where the majority of its cars come from.

It is South Korea's oldest car company. It was founded in 19955 as a manufacturer of steel tubing and bicycles. It collaborated with Ford to produce several Mazda vehicles in 1986 for exports and sales to South Korea. In 1992, it was incorporated in the U.S., with the first four dealerships opening in Portland, Oregon in 1994. It went bankrupt in 1997 and was later acquired by the Hyundai Motor Company, their South Korean rival, in 1998. For their American sales, it was the eighth best selling automotive brand in the first part of 2009, outselling Chrysler, Mazda and Pontiac. In addition to civilian cars, Kia Motors specializes in the production of military vehicles and other transportation equipment. Kia Defense produces the KM42, KM-45, KM-25, KM-50, KM-100 and the K53. However, if you are taking your car for a ride around the block or on treacherous lands you want to make sure you have Kia car insurance.

Understanding Coverage Options

Do you need liability insurance? Or do you need full coverage? It varies driver to driver. Everyone is different so you cannot just pick a plan from thin air and think it will fully satisfy your coverage needs. The best place to start when thinking about Kia car insurance coverage is what your state mandates. Most states have some form or Kia car insurance requirement. States also vary on how they hold a driver responsible for a car accident. Some states use a tort system, which finds one driver to be at fault and he or she is held financially responsible for the car accident. Other states use a no-fault system, which means all drivers are held financially responsible regardless of who is at fault. Below are two examples of what a tort state and no-fault state requires for Kia car insurance.

The state of Idaho follows the tort system and mandates drivers have $25,000 per person and up to $50,000 per accident in bodily injury liability and $15,000 in property damage liability. Bodily injury liability covers the medical costs and loss of wages that are a result of the car accident. Property damage liability covers costs to repair or replace a structure damaged in a car accident, like a house, statue or business. While not required, another type of liability is suggested. Underinsured/uninsured motorist bodily injury covers bodily injury caused by an uninsured or underinsured driver. This type of liability can cover your own costs, while the other two will not [1].

The state of North Dakota follows a no-fault system and requires each driver to have $25,000 per person and up to $50,000 per accident in bodily injury liability and up to $25,000 in property damage liability insurance. They also require $25,000 per person and up to $50,000 per accident in uninsured/underinsured motorist bodily injury and $30,000 in personal injury protection. Personal injury protection (PIP) will pay for "reasonable and necessary" medical expenses for you and your passengers. Bodily injury liability covers the medical expenses for the driver and passengers in the other vehicle, not your own. In most states, personal injury protection is not required, but is a viable option [2].

While you can get by legally on just your state insurance minimums, you may need to purchase additional Kia auto insurance. For example, if your car is still being financed then you will need to have either collision, comprehensive, uninsured/underinsured motorist protection, or a combination of all three. Collision insurance helps with costs of repair or replacement after your car is involved in a car accident. While the initial price for your car will affect your premium rate, it is not a factor in how much you are reimbursed in the event your car is totaled. If you car must be replaced you will only be reimbursed for the blue book value. Comprehensive insurance extends to weather damage, fire, broken windows, auto theft and vandalism. Uninsured/underinsured motorist protection will help you in the event you are involved in a car accident with a driver who does not have adequate Kia car insurance. You do not want to have to pay for repairs out of pocket when you are already paying for Kia vehicle insurance.

One of the big differences between liability and additional Kia car insurance is when it comes into affect. For states that have a no-fault system your insurance can be used at any time. However, for states using the Tort system, your liability Kia automobile insurance can only be charged if you are found to be at fault. However, if you purchase additional coverage then it can be used regardless of who is found to be at fault for the accident. That means you can avoid the long delays of having to deal with another company and you can get your car back on the road where it belongs.

Ways to Lower Your Premium

Your insurance premium is affected by the amount of coverage you choose to add to your Kia car insurance policy. It is also affected by your age, gender, location, driving record and even your education level. To help lower your premium rates you can take a driver's education course or defensive driving course. You can also reduce your city driving and carpool to work to help lower your rate.

Other options include combining insurance policies or putting multiple cars on one policy. When you are researching your coverage options, you should also research your insurance company to see what discounts they have available. Some give discounts for good grades, safety features and because the car itself is new. Shopping online is the best way to lower your Kia vehicle insurance rate because it allows you to compare multiple companies at once. The more options you know about, the more opportunities you will have to reduce your Kia automobile insurance rate.

[1] http://www.carinsurance.com/state/Idaho-car-insurance.aspx

[2] http://www.carinsurance.com/state/North-Dakota-car-insurance.aspx

 

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