Cheapest 1999 Kia Sephia Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Nobody looks forward to buying insurance coverage, especially knowing they are paying too much.
Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest cost out there.
Smart consumers take time to compare prices quite often because rates change frequently. Just because you had the best rates on Sephia coverage six months ago you can probably find a better price now. So ignore everything you know about insurance coverage because it’s time to teach you the right way to find lower rates on insurance coverage.
Discounts on 1999 Kia Sephia insurance
Companies that sell car insurance don’t always advertise all available discounts very clearly, so we took the time to find both the well known and the more hidden ways to save on insurance coverage.
- Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
- Club Memberships – Belonging to certain professional organizations could qualify you for a break on insurance coverage on Sephia coverage.
- No Accidents – Claim-free drivers can save substantially as compared to bad drivers.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.
For a list of insurers who offer insurance coverage discounts, click here to view.
Car Insurance Quote Comparison
All major car insurance companies like State Farm and Allstate give coverage price quotes on the web. Getting online rates is quite easy as you simply enter the coverage amounts you desire as detailed in the form. After the form is submitted, their system gets information on your driving record and credit history and provides a quote based on these factors. This makes comparing rates easy, but having to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to perform this step if you want to find lower prices.
The easy way to compare rates
The preferred way to compare car insurance pricing is to use a quote form to get prices from several different companies. This type of form saves time, reduces the work, and makes quoting online much more efficient. As soon as you send your information, it is rated and you can choose any of the returned quotes. If you find a better price you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.
If you want to find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter the limits and deductibles identical to your current policy. Doing this assures you will have a rate comparison based on identical coverages.
Tailor your coverage to you
When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.
- Is my 1999 Kia Sephia covered for smoke damage?
- Does my personal policy cover me when driving out-of-state?
- Why do I need rental car insurance?
- Do I have newly-aquired coverage?
- Do I need higher collision deductibles?
- Should I buy only the required minimum liability coverage?
- Am I covered when pulling a rental trailer?
- Does my insurance cover my expensive audio equipment?
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If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Auto insurance coverages
Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.
Collision coverages – This coverage covers damage to your Sephia caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.
Liability car insurance – This coverage will cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability insurance covers things like legal defense fees, attorney fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, nursing services, surgery, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird and falling objects. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Save for a rainy day
We’ve covered a lot of information how to shop for 1999 Kia Sephia insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.
The cheapest insurance is possible online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Other learning opportunities
- Safety Belts FAQ (iihs.org)
- Avoiding Deer Collisions (Insurance Information Insitute)
- What is a Telematics Device? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Kia Sephia?
Finding the cheapest insurance for your 1999 Kia Sephia requires a few steps. Start by gathering quotes from multiple insurance providers to compare their rates. Consider adjusting your coverage limits and deductible to potentially lower your premiums. Additionally, maintaining a clean driving record and opting for safety features on your vehicle can positively impact your insurance costs.
What factors affect the insurance rates for a 1999 Kia Sephia?
Several factors can influence the insurance rates for a 1999 Kia Sephia. These factors typically include your age, location, driving history, credit score, annual mileage, and the level of coverage you choose. Additionally, the condition and value of your vehicle may be taken into account by insurers.
Are there any specific insurance discounts available for a 1999 Kia Sephia?
Insurance providers may offer various discounts that could help reduce your insurance costs for a 1999 Kia Sephia. Common discounts include multi-policy discounts (when you bundle your auto insurance with other policies), good driver discounts, low mileage discounts, and safety feature discounts. It’s best to check with individual insurance companies to see which discounts they offer.
Is it possible to get classic car insurance for a 1999 Kia Sephia?
Classic car insurance is typically available for vehicles that are at least 20-25 years old and meet certain criteria, such as being in good condition and having limited use. However, a 1999 Kia Sephia may not meet the eligibility requirements for classic car insurance since it is considered a more common or regular vehicle. It’s advisable to consult with insurance providers specializing in classic car coverage to determine if they have any options available for your specific situation.
Are there any specific insurance considerations for an older vehicle like a 1999 Kia Sephia?
Older vehicles like the 1999 Kia Sephia may have different insurance considerations compared to newer models. Since the value of the vehicle is typically lower, you may consider dropping collision or comprehensive coverage if the cost of the coverage outweighs the potential benefit. However, it’s crucial to review your state’s legal requirements and evaluate your personal circumstances before making any decisions about reducing coverage.
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