Ontario Kia Insurance

Kia Insurance In Ontario 

If you own a Kia, you prioritize safety, flexibility, and fuel efficiency in a vehicle. Kia Motors has a long history of making cars and is known for providing exceptional safety features and movement. In addition to providing a relaxing ride, they also provide hybrid/electric vehicles that are better for the environment, allowing you to enjoy the convenience of a car while minimizing your environmental footprint. When you own a car with all of these advanced features, you want to make sure that your vehicle is properly protected. That is why it is essential that you work with an expert insurance broker who will compare prices, provide a wide range of coverages and ensure you get the best car insurance for your Kia. 

Car insurance can be tricky, but with your Morison Insurance broker, you can get the protection you need with comprehensive insurance for Kia vehicles. Our team will comb through hundreds of policies to ensure you get the Kia car insurance coverage you need at a price you can afford. Whether you’re a first-time Kia owner or you’ve never bought another brand of vehicle, we’ll get you the insurance policy you need for your Kia insurance. 

What is Kia Insurance? 

Kia insurance is a specially designed type of car insurance for Kia vehicles that aims to protect you and your car in the event of an accident or claim involving the insured vehicle. In Ontario, there are mandatory auto coverages that are required by law, but you have the choice to add additional types of coverages for increased protection. You want to make sure that you have the best protection when driving a Kia, and the best way to do that is to talk to an experienced insurance broker about what you need out of a Kia insurance policy. 

Which Companies Offer Insurance For Kia Vehicles? 

Many leading insurance companies in Ontario and across Canada offer insurance for Kia vehicles. But sometimes, it can be challenging to determine which one would be the best fit for you and your Kia vehicle. This is where Morison’s expert insurance brokers come in to provide you with customized Kia Insurance coverage. 

We will get you multiple quotes for Kia car insurance from top Canadian insurance providers and will go through them with you until you find the one that is the best fit. Throughout this process, we will provide personalized service and guide you along the way. We’ll help you decipher industry jargon, answering any questions you may have about Kia insurance, so when you sign off on your insurance policy, you can have peace of mind knowing you are getting the best possible Kia insurance for your personal vehicle or commercial vehicle(s). 

What Does Kia Insurance Cover? 

Kia insurance includes coverage such as third-party liability coverage, direct compensation coverage, accident benefits coverage, and uninsured automobile coverage. To help you feel extra protected, you are also able to include additional insurance coverage, like increased accident benefits or liability coverage. 

Thinking of adding an extra layer of protection to you and your Kia beyond the mandatory or minimum coverage requirements? Listed below are some of the additional types of coverages available for Kia insurance: 

• Collision or Upset Coverage for your Kia: This specific optional coverage provides payment for any loss when the automobile that is insured gets in a collision with another object (for example: another vehicle, the surface of the ground, street sign, etc.) or tips over. 
• Comprehensive Coverage for your Kia: Comprehensive Coverage pays for any losses that are not covered by collision and upset. Included in this coverage are the perils that are listed under specified perils, missiles, vandalism, and falling or flying objects. 
• All-Perils for your Kia: All-Perils coverage combines collision or upset coverage and comprehensive coverage, and it provides protection for damage or loss caused if a person who lives in your household steals the insured Kia. This coverage also provides theft protection if an employee who uses, drives, services, or repairs the insured Kia, steals it. 
• Loss of Vehicle Coverage: This endorsement provides coverage for any Kia rental that is in use while the insured vehicle is out of use due to an insured physical damage claim. 
• Liability for Damage to Non-Owned Vehicles Coverage: This additional coverage extends the coverage for liability for damage or loss that arises from the care, control, or custody of a non-owned automobile, including the equipment that is not owned by the insured. An example of a non-owned vehicle would be a rental car. 
• Removing Depreciation Deduction Coverage: This optional coverage waives depreciation if you are the original owner/lessee of the Kia if the damage or loss happens to occur within a specified period from the purchase/lease date. Depending on the insurance company, the length of this type of insurance coverage may differ and the length of coverage time may vary. However, the average allocated coverage period is 24 months, although some companies will offer this particular type of coverage for up to 5 years for your Kia insurance. 

Ultimately, the type of insurance coverage and the amount you get will depend on your needs when getting car insurance for Kia vehicles. A specialized insurance broker is available to ensure that you get the best coverage possible for your Kia motor vehicle and make the insurance process easier for you. 

How Much Does Kia Insurance Cost? 

Per year, the average insurance cost of a Kia car insurance policy can range anywhere between $1,338 to $3,210. Just like with any other type of car insurance, there are several factors to consider when determining the average premium of your Kia insurance. Some of the factors that are considered when calculating individual auto insurance quotes include, but are not limited to, the number of years licensed, the age of the driver, driving history, claims history, the area where you are currently located, how much you drive, what you use your Kia vehicle for, the year and model of the Kia being insured, and more. 

For an idea of the price range of Kia insurance premiums, listed below are some sample pricing from actual insurance quotes for different models of Kia cars, provided from general information. Please note, however, that the price of insurance premiums will vary from individual to individual, and it all depends on your personal situation, and the prices listed below are not necessarily guaranteed on what it will cost you when getting Kia insurance. To make sure you get the best insurance coverage possible for the most reasonable price, speak with an insurance broker who can make the process easier for you. 

*The prices above were provided with the assumption that the driver had a good driving record (no previous tickets or accidents).

Is It Expensive To Get Insurance For Kia Cars? 

Kia models are award-winning vehicles with innovative technology and safety features that tend to have low recall rates, leading to a higher auto insurance rate. Due to the multitude of factors that contribute to higher insurance costs, such as the number of years licensed, claims history, and more, your insurance premium price will differ among insurance companies. 

Reach out to an insurance broker to ensure you get the best insurance possible at the most reasonable price. They will provide you with insurance options and multiple quotes from competitive insurance companies to ensure you get the best quality insurance for Kia vehicles. 

Are There Insurance Discounts Available For Kia Vehicles? 

Yes, there are various money-saving discounts for car insurance available for Kia owners provided by numerous Canadian auto insurance companies that can help you save on the cost of auto insurance for Kia. 

Some of the most popular discounts that Kia owners are eligible for include: 

• Claims-Free Discount: By being a good driver and going three or more years without making a car insurance claim, you can save on your Kia insurance! Many insurance providers offer up to 10% off your vehicle insurance if you are claims-free. 
• Conviction-Free Discounts: In addition to discounts for being claims-free, you can also get discounts if you are ticket-free! Having a clean driving record can net you discounts of up to 15% from insurance companies, giving you more incentive not to speed on the road. 
• Loyalty Discount: Insurance companies like it when you return to them for repeat business, and loyalty discounts are one way they thank you for your business. While there is a limit to this insurance discount, the longer you’ve been with a company, the more you can save on your insurance. Additionally, some insurance companies also offer renewal discounts as another form of loyalty discount, which can shave 15% of the total cost of your Kia car insurance. 
• Winter Tire Discount: In Ontario, there can be some severe weather events, and some insurance companies require you to have winter tires on your vehicle from November to April. While you may need to provide proof of purchase and receipts from installation, you can enjoy up to 5% off your Kia Insurance. 
• Hybrid Car Insurance Discount: Another benefit of going green is the hybrid vehicle discounts available for your Kia insurance. Most insurance companies provide up to 5% discounts for hybrid vehicles, allowing you to save on insurance and gas! 
• Bundling Car Insurance: One of the most popular discounts is bundling your insurance policies, such as combining your home and your Kia car insurance. By doing this, you could qualify for an even better insurance premium as well as a better insurance plan. 
• Multi-Vehicle Discounts: If you need to insure multiple vehicles, you can enjoy cost savings by getting them all on one insurance policy. Depending on the insurance company, you can enjoy up to 15% off your insurance policy! 
• Autonomous Emergency Braking (AEB) Car Insurance Discount: This type of discount is for vehicles with AEB systems, which is a technology that automatically applies brakes when needed. Many Ontario insurance companies appreciate this advanced safety feature and offer up to 15% off your policy if your vehicle is equipped with AEB. 

Additionally, if you are a new driver, you may be able to get discounted insurance for Kia cars by completing specialized training or driving programs. Not only will they help improve your driving skills and make you a safer driver, helping keep your insurance costs low in the long run, but they may result in some immediate discounts depending on the insurance provider. 

Speak with an expert insurance broker about how you can save money when getting insurance for Kia vehicles. Our insurance brokers will work with multiple insurance providers to ensure that you receive all the money-saving discounts that you are eligible for. 

Where Can I Get Kia Car Insurance?

You can get Kia insurance from the team of experts at Morison Insurance. Our insurance brokers work with dozens of the most respected Canadian insurance companies and will help you get multiple competitive Kia insurance quotes. Feel confident knowing that you are protected: give us a call at 1-800-463-8074 or fill out the online form on our website to get a quote for your Kia Insurance. We look forward to serving you and fulfilling your needs when getting insurance for your Kia.