Compare 2023 Kia K5 Car Insurance Quotes 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: Mar 28, 2024

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No car owner enjoys paying for insurance, in particular when the cost is too high.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurers to find the absolute lowest price

You need to quote other rates once or twice a year because prices go up and down regularly. Just because you had the lowest rates for K5 insurance two years ago you will most likely find a better premium rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to lower your rates without sacrificing coverage.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Finding the best rates is quite easy. Nevertheless, car owners must know how insurance companies price insurance differently and take advantage of how the system works.

Get cheap insurance coverage quotes with discounts

Not too many consumers would say insurance coverage is affordable, but you may be missing some discounts that can help lower your rates. Most are applied when you purchase, but a few need to be manually applied prior to getting the savings. If you don’t get every credit possible, you are just wasting money.

  • Telematics Data Discounts – Insureds who allow companies to monitor driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Renewal Discounts – A few insurance coverage companies give discounts for switching companies prior to your current policy expiring. It can save you around 10%.
  • Claim-Free Discount – Good drivers with no accidents pay much less compared to drivers with a long claim history.
  • Anti-lock Brakes – Cars that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Active Military Service – Being on active deployment in the military may lower your insurance coverage rates slightly.

You should keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their offered discounts are:

  • GEICO offers discounts including membership and employees, daytime running lights, defensive driver, air bags, good student, and anti-theft.
  • Travelers includes discounts for save driver, student away at school, early quote, payment discounts, multi-policy, and multi-car.
  • Nationwide has savings for easy pay, multi-policy, family plan, anti-theft, and Farm Bureau membership.
  • Farmers Insurance may include discounts for bundle discounts, early shopping, teen driver, multi-car, and business and professional.
  • Esurance has discounts for online quote, paid-in-full, multi-car, good driver, and defensive driver.
  • State Farm may have discounts that include good student, passive restraint, Drive Safe & Save, accident-free, multiple autos, and multiple policy.
  • Progressive discounts include multi-vehicle, continuous coverage, homeowner, online quote discount, and online signing.
  • Mercury Insurance offers discounts for location of vehicle, multi-car, accident-free, professional/association, and low natural disaster claims.

If you want inexpensive insurance coverage quotes, ask every prospective company how you can save money. Some discounts may not be offered in every state.

How your K5 insurance rates are determined

Lots of things are considered when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are more transparent such as your marital status or your vehicle rating. When buying insurance coverage it’s important to understand the different types of things that help determine your premiums. When you understand what influences your rates, this enables you to make decisions that can earn you better insurance coverage rates.

Listed below are some of the most rate-impacting factors used by your company to calculate your rates.

  • High credit scores equal low rates – An insured’s credit rating will be a significant factor in calculating your premium rate. Insureds that have high credit scores tend to be less risk to insure than those with lower credit scores. If your credit history leaves room for improvement, you could pay less to insure your 2023 Kia K5 if you clean up your credit.
  • Single vs. married – Having a spouse actually saves money when shopping for insurance coverage. It means you’re less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Tickets mean higher rates – Good drivers pay less for auto insurance compared to drivers with tickets. Even a single speeding ticket or other violation may increase your cost substantially. Drivers with severe citations such as DUI or willful reckless driving may find they need to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • Too many policy claims and you’ll pay more – If you tend to file frequent claims, you shouldn’t be surprised to get higher rates. Car insurance companies give the lowest premiums to drivers who are not frequent claim filers. Auto insurance is intended to be relied upon for larger claims.
  • Cheaper rates with high deductibles – Physical damage coverage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of covered claims could be a dented fender, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles tell how much you are required to pay if the claim is covered. The more expense you pay before a claim is paid (deductible), the less your company will charge you for insurance for K5 insurance.
  • Lower rates for safer vehicles – Vehicles with high crash test scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If your Kia K5 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Protect yourself with liability protection – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for physical damage or personal injury to other. It provides for a legal defense to defend your case. This coverage is very inexpensive compared to other policy coverages, so do not skimp.
  • Incidental coverages push up costs – Policies have extra coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are probably not needed. They may sound like good ideas at first, but if you have no use for them remove them from your policy.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Should I waive the damage coverage when renting a car?
  • Am I better off with higher deductibles on my 2023 Kia K5?
  • Am I covered if my car is in a flood?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my 2023 Kia K5 covered for smoke damage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out your zip code.

Insurance coverage basics

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.


This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things like repair costs for stationary objects, funeral expenses, structural damage, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, rehabilitation expenses, dental work, pain medications and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This covers damage to your K5 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Power to the consumer

When getting insurance coverage quotes online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed collision coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Some insurance companies do not provide online quoting and these regional carriers only sell through independent agents. Lower-priced auto insurance is possible from both online companies as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

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