newbie1
Posts: 65
Joined: Wed Feb 15, 2017 12:12 am

Fleet insurance for families

Wed Mar 29, 2017 3:56 am

I don't think any other manufacturer offers fleet insurance like this. What a great idea for the large family or the family who lives with in-laws or the extended family. For me if I were supporting older children and parents in my home this is an awesome option to save a few bucks. Plus Kia offers 3 or 4 models under $20,000.00 new plus freight (about $900.00)

Fleet car insurance is not just limited to the commercial business sector it also an option for families with 3 or more Kia vehicles.
Fleet insurance may bring savings and should be considering over the traditional single policy per car approach.
Insuring a large fleet of vehicles of any type car, van or truck is expensive and both families and fleet managers should consider practical ways in which these costs can be capped or reduced.
Listed below are 5 tips to lowering your fleet insurance premiums.
Level of cover
Third party which is the legal minimum and only covers costs to the third party should your fleet vehicle be in an accident.
This level of cover whilst not covering your own vehicles should not be discounted as the saving may outweigh any costs that you incur.
Windscreen cover
Can this be excluded from the policy, how many claims have you made and the costs?
Can you contract with a local windscreen repair company and get a lower cost?
Telematics
Some brokers will offer attractive discounts if you fit your fleet with insurance industry approved telematics devices.
Other brokers will offer discounts if the data proves that drivers are improving and a lower level claims and don’t forget if they show the opposite then your premiums could rise.
Driver training
Do you have a program to continually improve the level of driving or have the drivers that will be included on the policy attended an advanced training program.
If you can answer yes to either then make sure that you inform the broker as this should also lead to lower premiums.
Car repair price
Some cars are more expensive to fix than others.
Data on the average repair costs of different cars produced by car manufactures is collected and play a part in the underwriters premium calculation.
Cars that are the most expensive to repair include BMW, Audi and Jaguar.
At the other end of the scale cars from Asia are mostly in the top 10 with cars from Kia, Suzuki and Toyota being least expensive cars to repair.

KiaOpt911
Posts: 26
Joined: Tue Mar 28, 2017 6:27 pm

Re: Fleet insurance for families

Thu Mar 30, 2017 5:46 pm

What are some crash test safety ratings are available for Kia Optima that I should know about? Are those different from similar models?

m16charged
Posts: 40
Joined: Wed Oct 26, 2016 11:55 pm

Re: Fleet insurance for families

Fri Mar 31, 2017 10:33 pm

For the 2017 Kia Optima hybrid and plug in NHTSA Overall 5-Star Crash Safety Rating

VEHICLE STABILITY MANAGEMENT (VSM)
For additional steering-direction-control capability,
VSM intervenes in appropriate situations to help the
driver regain control of the vehicle.
ELECTRONIC STABILITY CONTROL (ESC)
ESC provides improved directional stability to help
maintain better control in difficult driving situations.
During emergency maneuvers, it works to control the
engine and brakes to help keep your Optima on course.
TRACTION CONTROL SYSTEM (TCS)
When TCS senses wheelspin during acceleration, it
uses a combination of both engine power and brake
force to help transfer power to the wheels that
have the most traction.
ELECTRONIC BRAKE-FORCE DISTRIBUTION (EBD)
To help maintain more consistent braking as
vehicle loads and weight distribution change, the
EBD system is designed to automatically adjust
the front-to-rear balance of brake pressure.
BRAKE ASSIST SYSTEM (BAS)
If BAS detects emergency braking, based on how
quickly you step on the brake pedal, it is designed
to instantly apply full braking force, which helps
shorten your overall stopping distance.
HILL-START ASSIST CONTROL (HAC)
When starting off on a steep hill, HAC automatically
holds the brake pressure for two seconds after you
take your foot off the brake pedal.
ADVANCED AIRBAG SYSTEM
An advanced airbag system helps protect driver and
passengers with dual front, front seat-mounted side, and
full-length side curtain airbags.15
AIRBAG & SEAT-BELT SENSORS
This advanced system monitors the severity of certain
impacts, the presence of a front passenger and seat-belt
use, and then controls airbag inflation accordingly.15
FRONT & REAR CRUMPLE ZONES
Both front and rear crumple zones are engineered
to help absorb and dissipate impact energy, helping
to preserve the basic structural integrity of the
passenger compartment in certain collisions.
SIDE-IMPACT DOOR BEAMS
All doors are reinforced with steel beams to help
absorb impact energy and deflect side-impact
force. The body’s support pillars are reinforced to
help strengthen the body of the vehicle.
FRONT SEAT-BELT PRETENSIONERS
Pretensioners have been designed to tighten the
front seat belts in the event of certain collisions.
This can help to reduce the likelihood of injuries.
HEIGHT-ADJUSTABLE SEAT-BELT ANCHORS
The front height-adjustable seat-belt anchors
allow the driver and front-passenger seat belts
to be raised and lowered for a proper fit, helping
ensure effective operation.


Dual front advanced airbags
Dual front seat-mounted side airbags
Full-length side curtain airbags
Driver’s knee airbag
Front & rear 3-point seat belts
Front seat-belt pretensioners
Height-adjustable front seat-belt anchors
Anti-lock Braking System (ABS)
Electronic Stability Control (ESC)
Vehicle Stability Management (VSM)
Traction Control System (TCS)
Brake Assist System (BAS)
Electronic Brake-force Distribution (EBD)
Hill-start Assist Control (HAC)
Side-impact door beams
Front & rear crumple zones
Lower Anchors and Tethers
for Children (LATCH)

m16charged
Posts: 40
Joined: Wed Oct 26, 2016 11:55 pm

Re: Fleet insurance for families

Fri Mar 31, 2017 10:36 pm

KiaOpt911 wrote:What are some crash test safety ratings are available for Kia Optima that I should know about? Are those different from similar models?

https://youtu.be/0X8clk2zmAc

If you ask me it looks pretty blown up lol but the cabin of the vehicle did stay intact!

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