Kia Picante is a new, high performance compact car that was introduced in 1997.
It was designed to compete with the Ford Focus and Honda Civic GX models. The model comes equipped with standard anti-lock brakes, power windows and locks, air conditioning, CD/cassette stereo system, daytime running lights and tinted glass. The vehicle has a 1.6 L, four-cylinder 112 horsepower engine and averages 30 miles per gallon in the city. It is equipped with safety features to help protect you and your passengers from injury resulting from accidents on the road including seat belts for all five passengers, anti-lock brakes and airbags.
Kia Picante car insurance is required by law. In addition, it provides important coverage to help protect you financially from the cost of injuries and damage resulting from a traffic accident.
There are several factors that affect your Kia Picante car insurance rates, including:
8. Your age and driving history
The younger you are and the less experience you have on the road, the more you will pay for Kia Picante car insurance. An accident or moving violation can raise your rates substantially if it is your first offense.
7. Your gender
Studies have shown that male drivers are involved in more accidents than females due to speeding, alcohol and reckless driving. Females generally receive higher rates because statistically they are considered to be better drivers.
6. Your car’s safety features
The more safety features your Kia Picante model has, the higher your insurance rates will be because these cars tend to cost more and their parts and labor costs are higher due to the components involved in installing them. Additional options such as anti-theft systems and alarm systems can also increase your car insurance premiums.
5. Your car’s mileage
The less expensive it is to repair damage on your vehicle, the lower your Kia Picante car insurance rates will be. That means cars with lower mileage may cost less than those that are higher mileage, all other factors being equal. This factor alone could save you hundreds of dollars per year.
4. Your car’s make
Compact cars are generally less expensive to insure, all other factors being equal. The main reason for this is because the cost of replacing your vehicle is less should it be totaled or stolen. If your model was manufactured by a company that has a good reputation, then this can also lower your rates.
3. Your car’s model year
The older your car is, the less it will be worth and the more likely you are to total it in an accident. Cars 5-10 years old often require more extensive repairs resulting in higher insurance premiums because of replacement parts costs. Younger cars generally cost less to insure.
2. Where you live
States with a higher accident and crime rate will have higher Kia Picante car insurance rates. In addition, some zip codes command a higher premium than others in order to account for the cost of property damage in an area with high theft rates or accidents. For example, Los Angeles has one of the highest rates of property crime in the country.
1. Your claims history
If you have been involved in one or more accidents, make a claim for damages or file a claim against another driver’s insurance policy, your rates will rise sharply after the first violation. This applies whether it is your fault or not and regardless of whether you receive a conviction from the court.
How do I find Kia Picante car insurance rates?
A simple Internet search will provide you with online quotes for this model of vehicle. Entering your zip code or city name along with the word “auto insurance” in the search box will provide you with a list of insurance providers, their phone numbers and information on how to contact them.
What are the most common Kia Picante car insurance mistakes?
The top eight mistakes made by drivers seeking affordable coverage are failing to shop around, not keeping your policy up to date, filing a claim for an accident where you were not at fault, ignoring the advice of your agent or company and making modifications that affect coverage or increase rates.
What should I do if I have been in an accident?
If your Kia Picante has been involved in a collision, call the police and file a report as soon as possible. It is essential to have the other driver’s license plate number, vehicle make and model as well as contact information for any witnesses. You should then call your insurance agent or company to report the accident.
What features will increase my rates?
Some common features of Kia Picante car insurance models are anti-theft systems, alarm systems and airbags. Anti-lock brakes can also be considered a safety feature if you plan to include them on your next vehicle purchase. When shopping for Kia Picante coverage, be sure to look for a company that offers a discount if your vehicle comes equipped with these features.
At The End Of The Day
We hope you’ve found these tips helpful, and we want to hear from you. Please share with us what mistakes you’ve made when it comes to car insurance in the comments below!