Cheaper 2020 Kia Telluride Insurance Rates 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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Trying to find better insurance prices for a new or used Kia Telluride can be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare insurance rates and you need to know the quickest way to get price quotes for a new or used Kia and locate the cheapest rates from local insurance agents and online providers.

You should take the time to price shop coverage quite often because prices tend to go up over time. Just because you had the lowest rate on Telluride insurance a year ago a different company probably has better premium rates today. Ignore everything you know about insurance because you’re going to get a crash course in one of the best ways to find better rates and still maintain coverage.

Insurance Discounts

Some companies don’t necessarily list every discount in a way that’s easy to find, so the list below contains a few of the more well known in addition to some of the lesser obvious ways to save on insurance.

  • Distant College Student Discount – Kids who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
  • Discount for New Cars – Buying a new car instead of a used car is cheaper since new model year vehicles have better safety ratings.
  • E-sign – Some of the larger companies will give you a small discount just for signing your application online.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break on your policy.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of approximately 10% to 15%.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less as opposed to frequent claim filers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with one company can get a discount on all vehicles.

One thing to note about discounts is that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.

Popular insurance companies and their possible discounts are detailed below.

  • State Farm policyholders can earn discounts including anti-theft, good student, safe vehicle, passive restraint, Drive Safe & Save, and multiple autos.
  • Farmers Insurance may offer discounts for bundle discounts, multi-car, alternative fuel, good student, mature driver, business and professional, and early shopping.
  • GEICO includes discounts for multi-vehicle, daytime running lights, defensive driver, anti-theft, good student, and emergency military deployment.
  • American Family offers premium reductions for defensive driver, TimeAway discount, Steer into Savings, bundled insurance, and early bird.
  • Nationwide has discounts for Farm Bureau membership, accident-free, easy pay, anti-theft, and multi-policy.
  • Progressive may have discounts that include online signing, homeowner, multi-policy, continuous coverage, and good student.

If you need the cheapest insurance quotes, ask every company how you can save money. Some discounts listed above may not be offered everywhere. To see insurance companies with significant discounts, enter your zip code here.

How to shop car insurance online

Effectively comparing car insurance prices can take hours if you don’t know the most efficient way to do it. You can spend countless hours driving to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most car insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To participate in this free quote system, enter your zip code here.

The one downside to doing it this way is you cannot specify which providers to get pricing from. If you would rather choose from a list of companies to compare, we put together a list of low cost car insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but try to use nearly identical deductibles and coverage limits for each price quote. If you enter mixed coverages it will be very difficult to decipher which rate is best.

Lower your insurance prices

Consumers need to have an understanding of some of the factors that help determine the price you pay for insurance coverage. If you have some idea of what influences your rates, this allows you to make educated decisions that may reward you with lower premium levels. Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your commute time.

  • Do you really need the incidental coverages? – There are a lot of additional extra coverages that you can get tricked into buying if you aren’t careful. Coverage for things like roadside assistance, towing, and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them and pocket the money.
  • Higher coverage deductibles lower prices – The deductibles you choose define how much you are required to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply could be collision with another vehicle, collision with a deer, and damage from wind. The higher the amount you choose to pay out-of-pocket, the less your insurance coverage will be on Telluride insurance.
  • Liability coverage – The liability section of your policy kicks in if ever you are responsible for damages caused by your negligence. It will provide legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Advanced alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
  • Insurance coverage rates can be impacted by your occupation – Did you know that where you work can have an impact on rates? Jobs such as lawyers, architects and miners tend to pay the highest average rates attributed to high stress and lots of time spent at work. Other professions such as actors, students and the unemployed pay lower than average rates on Telluride insurance.
  • Gender impacts costs – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better at driving than males. Females and males cause auto accidents in similar numbers, but the males cause more damage. Men also statistically get higher numbers of serious violations such as reckless driving.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions might point out if your insurance needs could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if hit by an uninsured driver?
  • Should I rate my 2020 Kia Telluride as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I sign the liability waiver when renting a car?
  • Can I rate high risk drivers on liability-only vehicles?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Switch companies and save? Really?

Consumers can’t ignore all the ads that claim the lowest car insurance rates by State Farm and Allstate. All the companies say the same thing of big savings just by moving your policy.

Is it even possible that every company can give you a lower rate? This is the trick they use.

All companies have strict underwriting profiles for the right customer that will be a good risk. One example of this type of insured could be a female over age 40, has no driving citations, and has excellent credit. Any new insured who matches those parameters receives the best prices and will save money with a new company.

Insureds who do not meet the “perfect” profile will see more expensive rates and the customer not buying. The trick is to say “drivers who switch” not “everyone who quotes” save the amount stated. That’s why companies can advertise the way they do.

Because every company is different, drivers must get insurance quotes from several different companies. You cannot predict the company that will have the best prices.

Insurance coverage considerations

Understanding the coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like EMT expenses, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This coverage will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, bail bonds, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Kia Telluride.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your Telluride from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Shop. Compare. Save.

Some car insurance companies may not provide price quotes online small insurance companies only sell coverage through independent insurance agents. More affordable car insurance can be bought online as well as from independent agents, so compare prices from both to have the best rate selection.

We just covered many ideas to reduce 2020 Kia Telluride insurance rates online. The key concept to understand is the more times you quote, the higher your chance of finding low cost insurance. Consumers could even find that the lowest rates come from a smaller regional carrier.

When getting insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

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