2020 Kia Cadenza Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2020 Kia Cadenza are $1,450 a year for full coverage insurance. Comprehensive costs an estimated $332 a year, collision costs $570, and liability costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing around $3,130. Teen drivers receive the highest rates at $5,326 a year or more.
Annual premium for full coverage: $1,450
Rate estimates for 2020 Kia Cadenza Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 middle-aged driver, prices range go from as low as $452 for the bare minimum liability coverage to a high of $3,130 for a high risk driver.
These differences illustrate why it is important for drivers to compare prices for a targeted area and risk profile, instead of making a decision based 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 2020 Kia Cadenza Insurance
Want cheaper insurance rates for your Kia Cadenza? Trying to find cheaper insurance for a Kia Cadenza can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy insurance and you need to know the proper way to quote coverages for a new or used Kia and obtain the cheapest rates.
It’s smart to check insurance prices before your next renewal since prices are variable and change quite frequently. Just because you had the best deal for Cadenza insurance last year you will most likely find a better premium rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money.
If you have a current insurance coverage policy or need a new policy, you can use this information to find the best rates while maintaining coverages. Shopping for affordable coverage can be fairly easy. Drivers only need an understanding of the most efficient way to shop for insurance coverage online.
Shop insurance coverage online
Comparing insurance coverage rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You could spend your day talking to local insurance agents in your area, or you can stay home and use online quotes to quickly compare rates.
The majority of car insurance companies belong to an insurance system that allows shoppers to send in one quote, and each participating company can give them a price based on the submitted data. This system prevents you from having to do quote requests to each individual insurance coverage company. To access this free quoting program, enter your zip code here.
The one downside to pricing coverage this way is that you can’t choose which carriers you want to price. If you prefer to choose specific providers to request quotes from, we put together a list of low cost insurance coverage companies in your area. Click to enter zip code.
You can choose any of those ways to find more affodable coverage, but try to keep the exact same coverage limits and deductibles for every quote you compare. If you compare mixed coverages you will not be able to make an equal comparison.
Smaller companies may have the best rates
Consumers can’t escape the ads that claim the lowest auto insurance rates by companies like State Farm and Allstate. All the companies seem to make the promise of big savings if you switch your coverage.
Is it even possible that every company can give you a better price?
Companies have specific characteristics for the driver that will be a good risk. A good example of a desirable risk could be a female over age 40, has few claims, and drives newer vehicles. Any new insured who fits those characteristics receives the best rates and therefore will save money with a new company.
Consumers who don’t measure up to the requirements will get a higher rate which results in the prospect going elsewhere. The trick is to say “drivers that switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can make it sound like they have such great rates. Because of this risk profiling, you should get price quotes at each policy renewal. It’s impossible to know which car insurance company will give you lower prices than your current company.
These discounts can lower your auto insurance rates
Some insurance providers don’t necessarily list the complete list of policy discounts very clearly, so the list below contains both the well known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.
- Sign Online – Certain insurance companies provide a small discount for completing your application online.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as GEICO, Progressive, and Allstate may permit one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- Discount for Swiching Early – Some companies reward drivers for switching policies prior to your current policy expiration. You can save around 10% with this discount.
- Good Driver Discount – Safe drivers may save up to 50% more for Cadenza insurance as compared to drivers with claims.
- Passive Restraint Discount – Factory air bags or motorized seat belts may get savings of more than 20%.
- Driver Training Discounts – Taking time to complete a course teaching driver safety skills can save you 5% or more if your company offers it.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
A quick disclaimer, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
A partial list of companies who might offer many of the previously listed discounts may include but are not limited to:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
When quoting, ask all companies you are considering which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your area.
Different people need different insurance coverage coverages
When it comes to choosing coverage, there really is no one size fits all plan. Every situation is different.
Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.
- Do I need special endorsements for business use of my vehicle?
- Am I covered when pulling a rental trailer?
- If my pet gets injured in an accident are they covered?
- What discounts do I qualify for?
- Where can I find high-risk insurance?
- Why is insurance for a teen driver so high?
- When do I need to add a new car to my policy?
- Is my teen driver covered when they drive my company car?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and may give you better protection.
Specific coverage details
Knowing the specifics of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a deer, hail damage, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical costs insurance
Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, pain medications, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims such as emergency aid, legal defense fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy higher limits if possible.
This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Cadenza.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
A little work can save a LOT of money
When getting auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. Too many times, consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest cost, not the least amount of coverage.
More affordable car insurance can be bought from both online companies in addition to many insurance agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who may not have rate quotes online and most of the time these regional insurance providers work with independent insurance agencies.
Insureds switch companies for a variety of reasons including questionable increases in premium, denial of a claim, extreme rates for teen drivers and delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
More detailed car insurance information is available in these articles:
Rates by U.S. City
|New York City, NY||$2,295|
|Los Angeles, CA||$2,481|
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||$107|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.