Weird insurance question - Kia Niro Forum
 
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post #1 of 7 (permalink) Old 06-21-2019, 11:13 AM Thread Starter
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Weird insurance question

So I purchased a new EX with Adv. Tech last night. Called this morning to get the insurance sorted. The agent is saying to replace one of my 2 other vehicles, just the Niro itself would be $63/month. Then she says "Don't ask me to explain it", by adding it as a third car with the same exact coverage it goes up to $96/month. I don't understand why adding a 3rd car vs replacing one of the 2 I already have would make the Niro shoot up 50% a month. I've only ever had my multi-car discount get bigger with more cars, not less. Anyone know why? I need to keep all three, so it's a weird surprise.
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post #2 of 7 (permalink) Old 06-21-2019, 12:26 PM
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Who are you with? We switched to Travelers a few years ago and haven't looked back. They have hybrid/EV discounts!


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post #3 of 7 (permalink) Old 06-21-2019, 12:29 PM
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Of course every insurance company is different. But when I replaced my 2018 Outback with my Niro, my annual amount went up less than $100. However, I must mention the insurance company I use is the absolute lowest cost and best company that offers coverage in Washington state. No other company can touch their rates, with excellent coverage and the few times I've needed to use my coverage they are great to deal with.

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post #4 of 7 (permalink) Old 06-23-2019, 10:48 AM
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Is the strange increase specific to the Niro or just because itís a third car? Perhaps you have some discount that only applies to a second car but not for a third car?

My insurance has a multi car discount but Iíve never had more than 2 cars at a time.

2018 HEV Niro EX Metal Stream with Advanced Tech Package
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post #5 of 7 (permalink) Old 06-23-2019, 04:19 PM
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Quote:
Originally Posted by Nouseformonkeys View Post
Is the strange increase specific to the Niro or just because itís a third car? Perhaps you have some discount that only applies to a second car but not for a third car?

My insurance has a multi car discount but Iíve never had more than 2 cars at a time.
Every state differs, but I have three cars on my policy, and the multi-car discount applies to all of them. But yeah it does seen strange. Unless his multi-car discount increases with additional vehicles.

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post #6 of 7 (permalink) Old 06-25-2019, 12:46 PM Thread Starter
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State Farm. And yeah, the discount seems to lessen with additional cars. The agent has been off in the past though, I'll see when the actual bill comes in.
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post #7 of 7 (permalink) Old 06-26-2019, 05:55 PM
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when i got my HEV in May 2018, paid 98$ less than my Kia Rio5 2013, and when i got my PHEV last december, got a 40$ less charge there too.! 138$ less in a year.! will see it next year if it goes up too.

Eric, The Canadian Guy !!


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