Difficulty Insuring Your Kia or Hyundai? There’s a Solution!
The difficulty of obtaining and maintaining auto insurance is becoming prevalent for Hyundai and Kia owners in Kansas and Missouri. In this article, we’ll help you understand why rates are climbing and what you can do to get coverage.
Theft Issues and Vehicle Vulnerability
Theft-related issues, primarily concerning vehicles produced between 2011 and 2021. Models like the Kia Soul and Sorento, as well as the Hyundai Tucson and Elantra, have been particularly susceptible to theft due to security vulnerabilities. These vehicles lack engine immobilizers, making them easy targets for thieves armed with nothing more than a screwdriver and a USB cable.
Major auto insurance providers have begun raising premiums or declining to issue new policies for most Hyundai and Kia models. The rationale behind this decision was to mitigate the heightened risk associated with insuring these vehicles. Many vehicle owners are reporting significant increases in their policy renewal premiums.
Software Upgrades and Their Challenges
In response to the theft problem, Kia and Hyundai have been rolling out software upgrades designed to prevent hotwiring by thieves. However, the upgrade is voluntary and must be completed at a Hyundai dealership. While this initiative is commendable, millions of vulnerable vehicles have yet to receive the update. Consequently, theft rates remain high in many areas, especially Kansas and Missouri.
The Solution
The good news is, we are still able to write new policies for many Kia and Hyundai owners! Your first step is to assess if you qualify for the free dealership security upgrade through a quick google search of your car's year, make, and model. Most Hyundais and Kias will qualify. If you qualify, you’ll want to get on the schedule with your closest dealership to get the update done. Once you’ve completed the upgrade, contact Family Union Insurance, and we’ll shop for you to find the best rates and coverages for you.
If you find that you do not qualify for the free security upgrade, but your vehicle has a push start, still reach out to us. We’ve been able to help many Hyundai and Kia owners stuck in the middle of these security system issues.
Don’t pay too much or spend all your time searching for auto insurance in Kansas City and reach out to Family Union Insurance!Phone: (816) 287-8597