Your Kia dealer in Frederick, MD wants to make sure you’re satisfied long after you drive off the lot with your new ride. Quality car insurance can keep you happy and driving for years to come. Keep these handy tips in mind when you’re shopping for the perfect insurance.
Get Insured Before Visiting Your Kia Dealer
Before you drive away in your new car, you will need to have an auto insurance policy in place. Luckily, securing insurance is relatively easy. You do not even necessarily have to know what type of car you’re buying when you begin the process. You should start shopping for insurance prior to shopping for your vehicle at your Kia dealer.
If you already have auto coverage for a previous vehicle, you’ll have more leeway because the coverage often has a grace period wherein a new car will be covered for a few days before you must formally add it to your policy.
Know Car Insurance Coverage Options
Auto insurance policies are often tailored to several different circumstances. For example, liability insurance comes in two main forms: bodily injury and property damage. The former covers legal fees if you’re involved in an accident in which someone else is injured or even killed. The latter provides similar protection in the event an accident damages another person’s car or other property.
Collision coverage, on the other hand, covers costs you incur from damage to your car during an accident. If the coverage is comprehensive, it will also cover expenses from natural disasters, vandalism, and non-accident causes. Other forms of insurance include uninsured motorist protection and medical payments. The amount of coverage you need will be dictated by the state where you reside. Most states require at least liability insurance.
Familiarize Yourself with the Process
When you’re shopping for auto insurance, companies will give you a quote containing your estimated monthly payments (premiums) and deductibles (the amount you pay before the insurance begins covering costs). You should have the following information on-hand for quotes or for when you actually apply: name, birthday, driver’s license number, social security number, address, and as much information about the car you plan on purchasing as possible. If you have a specific car in mind, get the VIN number.
You should also know the personal information of every person in your household who you plan on adding to the coverage. If you have all your information ready to go, you could get approved for your insurance within a day.
Comparison-Shop
Insurance companies will determine your rates by your personal driving history, the risks associated if you fall within a certain group of drivers, and the type of vehicle you are driving. Many situations label you a higher risk in the eyes of insurers.
Drivers living in certain regions or drivers with luxury cars can also attract higher payments and deductibles. Do thorough reviews and compare quotes of every insurance company you are considering. In addition, see if they offer discounts for factors like your annual mileage rate, car safety features, solid credit scores, or for non-smokers or non-drinkers.
Come to Our Frederick Car Dealership to Buy a New Car
Once you have your proof of insurance, you can fully enjoy the car-shopping process. Stop by DARCARS Kia of Frederick and check out our beautiful inventory of amazing new Kia models and used cars.
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Warranties include 10-year/100,000-mile powertrain and 5-year/60,000-mile basic. All warranties and roadside assistance are limited. See retailer for warranty details.