Kia makes practical and affordable vehicles that get great gas mileage and offer you a lot of bang for your buck. Whether you are looking for a compact car, a large sedan, or a crossover SUV, Kia has a car to fit your budget. If you are considering purchasing a Kia, you likely have a lot of questions about these cars ranging from safety and performance to insurance considerations. If you already own one, you may be wondering if you are paying too much for your Kia insurance.
There are many Kias on the road today and these common and unobtrusive cars make tempting targets for car thieves. In fact, on Forbes Magazine’s list of the Top 20 Most Stolen New Cars in 2012, two Kia models made the list. The Kia Rio came in at #10 with 2.9 out of every 1,000 cars having been reported stolen in that year. The Kia Optima also made the list at #18. This model had reports of 2.39 thefts per 1,000 vehicles.
Besides the ease of blending in with other cars, these vehicles may also be targeted because the vehicle owners are less likely to have anti-theft devices and GPS tracking services in place. If you own a Kia, you may want to consider investing in an anti-theft device. While they do come at a cost, you may be able to get most of that money back through savings on your insurance premiums. Speak with an agent in the Trusted Choice network to learn more about insurance discounts for cars that are equipped with alarms or GPS tracking.
When the Kia Sephia was first introduced to the American market, it was marketed as an affordable, yet reliable car. Since then, Kia has been designing and selling a wide array of cars and has been focused more on driver safety.
In most crash tests, such as side, front and rear collisions, Kia vehicles score reasonably well. The National Highway Traffic Administration rates all of Kia’s vehicles as acceptable in terms of safety. While these cars have passed the Administration’s tests, they often received lower marks because of problems such as occasional failure of the side airbags to deploy, or seatbelts that spooled out too much and allowed for too much passenger movement in an accident.
Additionally, the Insurance Institute of Highway Safety includes a much of more rigorous and difficult safety test known as the small front overlap test. This tests how the vehicle handles a front-end collision where the corner of the car hits a smaller object, such as a pole or a tree, at 40-miles-per-hour. In these tests, the smaller Kia vehicles, such as the Forte, have failed. Though this test is far more rigorous than standard testing, its safety results do affect Kia insurance rates.
Safety features you can find standard on most Kia vehicles include:
The lower-priced Kia Rio does not include electronic stability control or electronic brake force distribution as part of its standard package. Safety features work to reduce your risk of injury, which in turn lowers your insurance rate, so it might be worthwhile to purchase a Kia with a full range of safety features.
Kia offers a variety of models designed to suit many different customers’ tastes and budgets. The 2013 models include:
Of these models, some of the most popular in the United States are the Rio, the Soul and the Sorento.
Kia Rio Subcompact Car
This sub-compact car delivers style and performance at a budget-friendly price. Its best feature is its amazing gas mileage that comes even while the Rio performs with more horsepower than other cars in its class. The drawback to the Rio is its interior cabin space, which feels cramped when compared with many other subcompact cars. Reviewers have commented on the smooth and quiet ride and were impressed with this car’s handling around corners.
The Kia Rio has a 1.6-liter direct-injected 4-cylinder engine that gets a fuel-efficient 29 miles per gallon in the city and 39 miles per gallon on the highway. It provides 138-horsepower with 123 pounds of torque. Standard equipment on these vehicles includes a 6-speed transmission and steering-wheel audio controls. Noteworthy optional equipment includes push-button start with Smart-Key, heated front seats, moon-roof and a built-in navigation system. This car also features an optional ECO package that increased fuel mileage by incorporating idle stop and go (ISG) technology. ISG automatically shuts down the engine when it is stopped, such as at a red light, and then restarts it as the gas pedal is depressed.
Kia Soul Compact Car
The Soul, introduced in 2009, has a funky look that many people say reminds them of a tennis shoe. For a compact car, the Soul delivers plenty of cargo space as well as reliable performance at an economical price. These youthful little cars allow you to haul a lot of equipment or luggage while getting good gas mileage. The drawback to the Soul is that although it resembles an SUV, it does not have the power to tow heavy loads or get through rough terrain the way an SUV or crossover might. Reviewers have commented that the car does not accelerate very quickly, but is sufficient for reaching appropriate speeds for highway merging. They also appreciate its roomy interior which has plenty of storage space.
The Kia Soul has a 1.6-liter direct-injected 4-cylinder engine that gets a fuel-efficient 25 miles per gallon in the city and 30 miles per gallon on the highway. It provides 138-horsepower with 123 pounds of torque. Standard equipment on these vehicles includes power windows and door locks with remote key entry, Bluetooth connectivity, and steering-wheel mounted audio controls. Noteworthy optional equipment includes heated front seats, a built-in navigation system, automatic climate control, a premium audio system with HD radio and leather seating. The Soul also features an optional ECO package that increased fuel mileage by incorporating idle stop and go (ISG) technology.
The 2013 Kia Sorento Crossover
This crossover offers ample room for 7 passengers while still being small enough to easily drive through tight spots and park. It offers performance and reliability at a price that is lower than most vehicles in its class. The Sorento’s best feature is its unsurpassed 10-year, 100,000 mile powertrain warranty. The drawback to the Sorento is that although it provides enough room to carry 7 passengers, the 3rdrow seats are a bit cramped. If you will be using this third row frequently, you may do better with a full-size SUV. Reviewers have commented on the Sorento’s comfort and maneuverability. They are also impressed by its lockable center differential, a feature that is rare on crossover SUVs.
The Kia Sorento has a choice of three engine types:
Standard equipment on these vehicles includes a Bluetooth wireless connectivity, CD player and satellite radio system, and a 6-speed automatic transmission. Notable optional features include a backup warning system, UVO telematics system, fog lights, roof rails, built-in navigation system, panoramic sunroom and heated or air-cooled seats.
Kia vehicles are inexpensive to purchase and are equally inexpensive to insure. Forbes Magazine lists three Kia models on its 2013 list of the Top-16 least expensive cars to insure. To get an idea of what you might expect to pay for your Kia insurance, review the following averages according to Forbes:
These averages are for policies nationwide. Keep in mind that insurance costs are determined not only by the make and model of your car but also by factors such as your personal driving record, your location, how often you drive your car and the amount of coverage you are purchasing. Your policy costs may be significantly greater than or less than these averages.
To get an idea of how much you can expect a Kia policy to cost you, you will need to do some comparison shopping, and this can be done quickly and easily by simply contacting an agent in the Trusted Choice network.
Kia provides affordable and reliable vehicles, which are the perfect choice for many budget-conscious car buyers. Before purchasing one of these dependable vehicles, be sure to factor in the cost of insurance. If you already own a Kia, take a moment to review your current insurance policy to ensure that you are not overpaying for your coverage.
An agent in the Trusted Choice network can help you determine how much coverage you need and can also ensure that you are receiving your Kia car insurance at the optimal rate. Contact a member agent near you to get Kia insurance quotes and information.