2002 Kia Sedona Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 16, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a 2002 Kia Sedona are $790 a year including full coverage. Comprehensive costs on average $132, collision costs $142, and liability insurance costs around $380. Buying a liability-only policy costs as low as $428 a year, with high-risk insurance costing around $1,680. Teenage drivers receive the highest rates at $3,188 a year or more.
Annual premium for full coverage: $790
Rate estimates for 2002 Kia Sedona Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2002 Kia Sedona models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $428 for just liability coverage to a much higher rate of $1,680 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2002 Kia Sedona Insurance
Trying to find lower insurance coverage rates for your Kia Sedona? Searching for low-cost insurance for your Kia Sedona can normally be an all-consuming task, but you can follow our insurance coverage buying tips to save time.
There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the proper way to compare rates for your Kia and find the best price possible.
You should make it a habit to compare rates at least once a year since insurance rates are variable and change quite frequently. Just because you found the lowest rates on Sedona insurance a few years ago you may be paying too much now. Don’t believe everything you read about insurance coverage on the internet, so I’m going to show you some good information on how to find cheap insurance coverage.
Cut your premium with discounts
Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but a few must be specifically requested before being credited. If you’re not getting every credit available, you’re paying more than you need to.
- Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
- Auto/Life Discount – Some companies give lower rates if you buy life insurance.
- Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
- Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy on Sedona insurance.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- College Student – Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.
It’s important to understand that most discounts do not apply the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will cut your overall premium however.
To see a list of companies who offer auto insurance discounts, click here.
How to Compare Auto Insurance Rates
Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way to do it. You can spend your afternoon driving to insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.
All the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company can give them a price. This system prevents you from having to do quote requests for every auto insurance company.
To find out how much you can save on auto insurance click here to start a free quote.
The single downside to doing it this way is you are unable to specify which companies to receive prices from. So if you want to choose from a list of companies to compare, we have a listing of auto insurance companies in your area. View list of insurance companies.
Whichever method you choose, double check that you are using apples-to-apples coverage limits and deductibles on every quote. If you use mixed coverages it will be very difficult to decipher which rate is best.
Factors that can influence Kia Sedona insurance rates
It’s important that you understand some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.
- Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
- Older drivers pay less – Young drivers are statistically proven to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
- Do you know your deductibles? – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, or theft. The more money the insured has to pay upfront, the less your company will charge you for insurance on Sedona insurance.
- How many coverages with the same company – Most insurers give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to shop around to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.
- A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Good drivers receive lower rates than people who have multiple driving citations. Only having one moving violation can increase rates forty percent or more. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
- Extra add-on coverages are wasting money – There are quite a few extra coverages that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so eliminate them to save money.
- Liability coverage is cheap – The liability section of your policy is the protection if you are found liable for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
What is the best insurance coverage?
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.
- Am I covered if I break a side mirror?
- Why am I required to buy high-risk coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Do all my vehicles need collision coverage?
- Is my nanny covered when driving my vehicle?
- Do I have any recourse if my insurance company denies a claim?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.
Do drivers who switch really save?
Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all make the same claim that you can save after switching to their company.
But how can every company make the same claim?
Insurance companies have a certain “appetite” for the driver they prefer to insure. An example of a profitable customer might be profiled as between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.
Potential insureds who are not a match for this ideal profile will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can make the claims of big savings.
Because of the profiling, drivers must get a wide range of price quotes. Because you never know which car insurance company will provide you with the cheapest Kia Sedona insurance rates.
Detailed coverages of your insurance policy
Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, chiropractic care, X-ray expenses, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like falling objects, rock chips in glass, hitting a deer, a broken windshield and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like pain and suffering, bail bonds, structural damage and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Uninsured and underinsured coverage
This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Kia Sedona.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.
Affordable insurance is out there
Discount 2002 Kia Sedona insurance can be purchased online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance coverage companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
As you shop your coverage around, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
We’ve covered a lot of tips how to shop for insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with a small mutual company.
To learn more, take a look at these articles:
- Older Drivers FAQ (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,245|
|Los Angeles, CA||$1,347|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$45|
|5-yr Claim Free||$48|
|Paid in Full/EFT||$27|
Discounts are estimated and may not be available from every company or in every state.