2023 Kia Telluride Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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If online car insurance comparisons are new to you, it’s easy to be bewildered thanks to the incredible selection of online car insurance companies and websites all advertising big savings.

It’s a good habit to compare prices before your policy renews since insurance prices are rarely the same from one policy term to another. If you had the lowest rate for Telluride coverage six months ago there is a good chance you can find better premium rates now. You can find a lot of information about car insurance on the internet, but in a few minutes you can learn a bunch of ideas how to lower your car insurance rates.

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. But consumers do need to learn how big insurance companies determine prices because it can help you find the best coverage.

Discount car insurance rates

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Some discounts will apply at quote time, but some discounts are required to be specifically requested prior to receiving the credit.

  • Use Seat Belts – Drivers who require all occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Driver’s Ed – Teen drivers should successfully take a drivers education course as it can save substantially.
  • Life Insurance Discount – Larger insurance companies have a discount if you purchase life insurance from them.
  • Discount for Switching Early – A few companies give discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Multi-car Discount – Insuring multiple vehicles with one company could earn a price break for each car.
  • Resident Student – Older children who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • No Charge for an Accident – Not really a discount, but some companies like GEICO, State Farm, and Progressive allow you one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • No Claims – Insureds who avoid accidents and claims can earn big discounts compared to drivers with a long claim history.
  • Low Mileage – Keeping the miles down on your Kia may allow you to get slightly better premium rates than normal.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large car insurance companies and the discounts they provide are:

  • State Farm includes discounts for accident-free, passive restraint, student away at school, good driver, and multiple policy.
  • American Family offers discounts including good student, defensive driver, mySafetyValet, early bird, air bags, and multi-vehicle.
  • GEICO may include discounts for good student, anti-theft, five-year accident-free, military active duty, and anti-lock brakes.
  • 21st Century may offer discounts for good student, automatic seat belts, air bags, theft prevention, driver training, and homeowners.
  • Progressive offers discounts for continuous coverage, multi-vehicle, good student, online quote discount, multi-policy, and homeowner.

If you need lower rates, check with all companies you are considering what discounts are available to you. Discounts might not be offered in your area. If you would like to choose from a list of insurance companies that have a full spectrum of discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need roadside assistance coverage?
  • Am I covered when using my vehicle for business?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need added coverage for expensive stereo equipment?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision insurance covers damage to your Telluride from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for dental work, nursing services, funeral costs and surgery. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims such as funeral expenses, medical services, attorney fees and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Better coverage you can count on

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, questionable increases in premium, high rates after DUI convictions and even lack of trust in their agent. Whatever your reason, choosing a new company can be less work than you think.

Throughout this article, we presented a lot of techniques to get a better price on 2023 Kia Telluride insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the lowest prices come from a smaller regional carrier.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost.

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