Anyone who drives a new or used car in Maryland will need to get car insurance for it. While liability insurance is mandatory, there are other types of policies that are optional. When you visit your Kia dealer, you can ask them about the cost of insurance for the various cars available. The better the safety equipment, the less you will pay. Read on to find out more about insuring your car.
1. Your Kia Dealer Can Give You Details About Insurance Costs
Most people believe that luxury cars are more expensive to insure than cheaper models. While this is generally true, the relationship isn’t linear. Insurance companies take various factors into account, including the vehicle’s horsepower, the cost of replacing damaged parts, and the safety features that could potentially prevent a crash. If an expensive car is very safe, the insurance cost might actually be lower than it would be for a less expensive model.
For this reason, you should always speak to your dealer about various models and what they cost to be insured. The salespeople have extensive experience with all Kia cars, so they will be able to give you accurate information. That way, there won’t be any surprises later on.
2. You Can Affect the Price of Insurance
There are many ways of getting a better deal on insurance. You should try your best to keep a clean driving record, since your payments will go up once you’ve made a claim. Similarly, you should always buy a car that has good safety features installed because insurance companies will see this as less risky. What’s more, you can choose a policy that only covers the essentials, namely, liability.
By skipping the optional add-ons, you reduce the total cost of insurance, but you increase your risk. If your car gets stolen, damaged through natural causes, or vandalized, liability insurance won’t pay out, and you’ll have to pay for the repairs yourself. Finally, you can choose a higher deductible to further reduce your monthly bill. However, this is only a good option if you have enough money to cover the deductible amount.
3. Auto Insurance Follows the Car
If someone else drives your car, they will most likely also be covered by your insurance. While this can be very useful, it’s also dangerous because you’ll have to make a claim if the other person damages your car or causes an accident. You should always think carefully about who is allowed to drive your car.
4. Regular Insurance Is Only for Personal Use
Most auto insurance policies only cover the personal use of the car. If you would like to use your car for business by providing a rideshare service or delivering food, you need to get an add-on policy. This usually doesn’t cost much, so it’s well worth it.
Meet with the Sales Team at Our Lanham, MD Kia Dealership
Although everyone has to pay for auto insurance, the types of policies you buy and the providers you choose are up to you. To make sure you don’t overpay, speak to the professionals at your dealership. Our staff can help you find a vehicle that doesn’t come with high premiums, and they can help you choose the best quote. Call us now at DARCARS Lanham Kia in Lanham, MD and ask to speak to our sales team.
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