2024 Kia Telluride Car Insurance Cost

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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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Want cheaper car insurance rates for your Kia Telluride? Trying to find cheaper insurance for a new or used Kia Telluride could be a lot of work, but you can use these tips and make it easy. There is a better way to find car insurance online and you need to know the best way to quote coverages for a Kia and locate the lowest possible price from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Finding the best coverage is not that difficult. Vehicle owners only need to know the proper methods to find the lowest price online.

How to lower your insurance rates

Many things are used when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are more obscure like your vehicle usage and annual miles driven.

  • More people means more accidents – Residing in less populated areas of the country has it’s advantages when shopping for auto insurance. People who live in big cities have more auto accidents and higher rates of accident claims. Lower population means less chance of accidents and lower theft and vandalism rates.
  • Does insurance cost more for guys? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Both sexes cause at-fault accidents in similar percentages, but guys get into accidents with more damage. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving.
  • What’s your car’s IIHS safety rating? – Safe vehicles tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company which can result in lower premiums. If your Kia Telluride is rated at a minimum four stars on Safercar.gov you may pay a lower rate.
  • High credit means lower costs – Having a bad credit score can be an important factor in calculating your premium rate. So if your credit history could use some work, you could potentially save money when insuring your 2024 Kia Telluride if you clean up your credit. People that have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Deter car thieves – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.
  • Single drivers may pay higher costs – Getting married can actually save you money on your car insurance policy. Having a significant other means you’re more mature and statistics show married drivers tend to file fewer claims.

Are you receiving every discount?

Car insurance companies don’t list all possible discounts very well, so the list below gives a summary of both the well known and the more hidden discounts that may be available.

  • Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
  • Discounts for New Vehicles – Buying a new car model can get you a discount because newer models keep occupants safer.
  • Distant College Student Discount – College-age children who live away from home to go to college without a vehicle on campus can receive lower rates.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Professional Memberships – Being in a professional or civic organization is a simple method to lower premiums on car insurance.
  • E-sign – Many larger companies give back up to $50 get insurance coverage on the internet.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a insurance coverage quote. You can use this discount normally until age 25.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings as much as 30%.
  • Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will qualify for a discount on a insurance coverage quote.

Please keep in mind that most credits do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, nobody gets a free ride. But any discount will definitely lower your policy premiums.

Car insurance companies that may offer policyholders most of these discounts possibly include:

  • Travelers
  • Farm Bureau
  • Liberty Mutual
  • American Family
  • Progressive

If you need lower rates, check with each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders everywhere.

When in doubt talk to an agent

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

  • I don’t drive much so do I pay less?
  • Do I need added coverage for expensive stereo equipment?
  • When should I not file a claim?
  • Why do I need rental car insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my Kia Telluride covered if I use it for business?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Kia Telluride

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like rehabilitation expenses, chiropractic care and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance can cover damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as loss of income, court costs, legal defense fees and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Telluride resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, rolling your car, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage on a shoestring budget

Lower-priced insurance coverage is attainable on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these regional insurance providers only sell coverage through independent agencies.

Consumers leave their current company for any number of reasons including delays in paying claims, denial of a claim, extreme rates for teen drivers or unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance coverage provider can be easier than you think.

You just read a lot of ways to get a better price on 2024 Kia Telluride insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a lesser-known regional company.

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