2018 Kia Cadenza Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2018 Kia Cadenza are $1,434 a year including full coverage. Comprehensive insurance costs on average $308 a year, collision costs $552, and liability insurance costs around $416. Buying a liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,106 or more. Teen drivers receive the highest rates at $5,342 a year or more.
Annual premium for full coverage: $1,434
Rate estimates for 2018 Kia Cadenza Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 Kia Cadenza models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $474 for just liability insurance to a high of $3,106 for a driver who has had serious violations or accidents.
These differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2018 Kia Cadenza Insurance
Finding the cheapest insurance for a new or used Kia Cadenza can turn out to be a painful process, but you can learn a few tricks to make it easier.
There are more efficient ways to find insurance online and we’ll show you the quickest way to price shop coverage for a new or used Kia and locate the cheapest rates from both online companies and local agents.
It is always a good idea to check insurance prices periodically since insurance prices are constantly changing. Even if you think you had the best deal on Cadenza insurance six months ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the easiest ways to get good coverage at a lower rate.
Find hidden discounts to get affordable auto insurance rates
Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but a few must be manually applied before they will apply.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
- Multiple Policy Discount – When you combine your auto and home insurance with one company you could earn a discount of up to 20% off your total premium.
- Low Mileage Discounts – Fewer annual miles on your Kia can qualify you for slightly better rates than normal.
- One Accident Forgiven – but companies like Progressive, State Farm and GEICO permit an accident without raising rates with the catch being you have to be claim-free for a certain period of time.
- Discounts for New Vehicles – Insuring a new car is cheaper since newer models are generally safer.
- ABS and Traction Control Discounts – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Companies that may have most of these discounts are:
Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Discounts might not be available to policyholders in every state. To see a list of insurance companies that offer discounts, enter your zip code here.
What impacts Kia Cadenza insurance costs?
One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help calculate your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may result in better insurance rates. Lots of things are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but some are not as apparent such as your credit history or your vehicle rating.
- Better premiums with anti-theft devices – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
- Liability insurance limits on your policy – A critical coverage on your policy, liability insurance provides coverage if ever you are found liable for damages caused by your negligence. This coverage provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
- Tickets and citations cost more than a fine – Whether or not you get tickets has a huge affect on how much you pay. Getting just one chargable violation can increase the cost of insurance by as much as thirty percent. Good drivers get better rates compared to bad drivers. Drivers who have gotten dangerous tickets like reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive.
- Safer vehicles are cheaper to insure – Safe vehicles tend to have better insurance rates. Safer cars reduce the chance of injuries and fewer injuries translates directly to fewer claims and more competitive rates for policyholders.
Tailor your auto insurance coverage to you
When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.
Here are some questions about coverages that might point out if you might need an agent’s assistance.
- Am I covered if I hit a deer?
- Why does it cost so much to insure a teen driver?
- How can I force my company to pay a claim?
- Do all my vehicles need collision coverage?
- Do I benefit by insuring my home with the same company?
- Do I need to file an SR-22 for a DUI in my state?
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.
Does insurance coverage advertising bend the truth?
Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to convey the message that you can save if you get a free auto insurance quote and switch your insurance coverage policy to them.
But how can every company make the same claim? Here is how they do it.
Insurance coverage companies give the cheapest rates for the type of driver that will generate a profit. For instance, a desirable risk may need to be between 25 and 40, has never had a claim, and drives newer vehicles. Any customer that meets those criteria will most likely get cheap car insurance rates and as a result will probably save quite a bit of money when switching.
Drivers who are not a match for these stringent criteria must pay a higher rate and this results in business not being written. The wording the ads use say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the savings.
Because each company has a different risk profile, it is so important to compare as many free auto insurance quotes as you can. It is impossible to guess with any certainty which company will fit you best based on your risk profile.
Information about specific coverages
Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for things such as structural damage, repair costs for stationary objects, emergency aid, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like a broken windshield, hitting a bird, rock chips in glass and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, surgery, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Coverage for collisions
This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a mailbox, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.
What is YOUR best insurance company?
Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and even delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.
In this article, we presented many ideas to save on 2018 Kia Cadenza insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest prices are with a smaller regional carrier.
When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.
For more information, feel free to visit the following helpful articles:
Rates by U.S. City
|New York City, NY||$2,268|
|Los Angeles, CA||$2,454|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$106|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.