2005 Kia Sedona Car Insurance Cost – 7 Tips for Cheaper Prices

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 12, 2022

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Finding affordable car insurance can be hard for people who are new to comparison shopping online. Whether you are looking to insure your 2005 Kia Sedona, or any other car you might own, you have so many choices that it can quickly become a lot of work to locate the lowest price.

Automobile Insurance Quotes

Performing a rate comparison is a ton of work if you don’t know the most efficient way. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies take part in a program that enables customers to enter their policy data once, and every company can provide price quotes for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The only drawback to doing it this way is you don’t know exactly the companies to get pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits for every company. If you have different values for each quote it will be very difficult to truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices will enable you to find the best price.

Don’t miss out on these seven money-saving discounts

Companies that sell car insurance don’t always advertise every available discount very well, so the following is a list of both the well known as well as the least known ways to save on insurance coverage.

  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Sedona insurance than their less cautious counterparts.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Club Memberships – Participating in certain professional organizations could trigger savings when buying insurance coverage for Sedona insurance.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of providers with discount insurance coverage rates, click here.

Do I need special coverage for a 2005 Kia Sedona?

When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs. Insurers will look not only at the type of car you own but your driving history as well. The age of your car will affect any quotes for insurance that you receive. So the used car value of your 2005 Kia Sedona will lead to lower rates, as your Sedona likely has aged a bit over the years and no longer is in “like new” condition. For this reason, older cars have more affordable rates.

The 2005 Kia Sedona minivan was manufactured by Kia Motors, and introduced in 2004. The company discontinued manufacturing of this model in 2014. The 2005 Kia Sedona is affordable to insure and has a good safety rating.

As you search for insurance options, these questions may help you determine if your situation would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • What are the financial responsibility laws in my state?
  • What happens if I owe more than my 2005 Kia Sedona is worth?
  • How can I force my company to pay a claim?
  • Am I covered when driving a rental car?
  • Do I need motorclub coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have newly-acquired coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, a broken windshield, damage from getting keyed and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as emergency aid, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, funeral costs, doctor visits, dental work and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Sedona from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Sedona.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Final thoughts

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

People switch companies for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and poor customer service. It doesn’t matter why you want to switch finding a new company can be easier than you think.

Cheap 2005 Kia Sedona insurance is definitely available online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not offer online price quotes and these small insurance companies work with independent agents.

Additional information can be read at the links below

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