2018 Kia Stinger Insurance Cost in 2024

Want lower insurance rates for your Kia Stinger? Wish you could get out of an overpriced insurance policy? Trust us, there are many consumers feeling the pinch from expensive insurance. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite cheapest price

It’s smart to compare premium rates every six months because prices trend upward over time. Just because you had the lowest rates for Stinger insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re going to learn the fastest and easiest way to save on insurance.

If you have insurance now or need new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to learn how to shop their coverage around online.

Low cost insurance coverage

There are a variety of methods to shop for insurance coverage, and some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to submit one quote, and every company can provide price quotes based on that information. This eliminates the need for quotation requests for each company you want a rate for.

To use this form to compare rates enter your zip code here.

The one disadvantage to doing it this way is you don’t know exactly which carriers to get pricing from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code.

Whichever method you choose, make sure you compare apples-to-apples coverages with each company. If you use different data it’s not possible to determine the lowest rate for your Kia Stinger.

Your insurance coverage should be tailored to you

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

• Should I put collision coverage on all my vehicles?
• Are all vehicle passengers covered by medical payments coverage?
• How much liability coverage do I need in my state?
• I don’t drive much so do I pay less?
• Is my custom paint covered by insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage if my license is suspended?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and may give you better protection.

Specific coverages for a 2018 Kia Stinger

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Collision coverage – This pays for damage to your Stinger from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like structural damage, medical expenses, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, damage from flooding, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Kia Stinger.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, rehabilitation expenses, funeral costs and surgery. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible