Kia Kia Sedona Insurance Rates
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UPDATED: Mar 17, 2020
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Buying car insurance is not a process people appreciate, but like it or not it is mandatory to legally drive.
Consumers should take time to do rate comparisons periodically since rates trend upward over time. Just because you had the best deal on Sedona coverage last year the chances are good that you can find a lower rate today. Starting now, ignore everything you know about car insurance because you’re going to learn the proper way to lower your annual insurance bill.
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Buying affordable insurance coverage coverage can be fairly easy. But consumers do need to know the way companies sell insurance online.
Comparison of Auto Insurance
Performing a rate comparison can take hours if you aren’t aware of the easiest way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize the web to achieve your goal.
Most of the best insurance companies take part in a program where insurance shoppers send in one quote, and at least one company returns a rated price. This saves time by eliminating repetitive form submissions to each company.
To get comparison pricing now click here to start a free quote.
The only drawback to using this type of form is buyers cannot specifically choose the providers you will receive quotes from. So if you want to select from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.
Whichever way you use, make sure you use the exact same coverages and limits for every quote you compare. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Kia Sedona. Having just a slight variation in coverages can result in a big premium difference. And when comparing auto insurance rates, know that getting more free quotes gives you a better chance of getting lower pricing.
Discounts can save BIG
Car insurance companies don’t necessarily list all their discounts very clearly, so here is a list both well-publicized as well as the least known discounts you could be receiving.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
- New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
- Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
- College Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Safe Driver Discount – Safe drivers may save up to 50% more on Sedona coverage than drivers with accident claims.
- Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.
Insurance companies that possibly offer these benefits are:
Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your state.
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Will just any policy work for me?
When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.
These are some specific questions could help you determine whether or not you will benefit from professional help.
- Are my tools covered if they get stolen from my vehicle?
- What companies insure drivers after a DUI or DWI?
- What should my uninsured motorist coverage limits be in my state?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I missing any policy discounts?
- Does insurance cover damages from a DUI accident?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I hit my neighbor’s mailbox?
- When would I need additional glass coverage?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Buyer beware of insurance advertising tricks
Companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. All the ads have a common claim of big savings if you move your policy. How can each company make the same claim? This is how they do it.
Insurance companies are able to cherry pick for the type of customer they prefer to insure. For instance, a desirable insured could be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.
Consumers who don’t measure up to this ideal profile will have to pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims. Because of the profiling, you absolutely need to compare many company’s rates. You cannot predict the company that will provide you with the cheapest Kia Sedona insurance rates.
Auto insurance coverage considerations
Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hail damage, falling objects, damage from a tornado or hurricane, fire damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for liability
This protects you from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as emergency aid, legal defense fees, repair costs for stationary objects, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Coverage for collisions
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Save for a rainy day
Insureds who switch companies do it for any number of reasons including policy cancellation, lack of trust in their agent, high rates after DUI convictions or even poor customer service. No matter why you want to switch, finding a new company can be easier than you think.
As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
Budget-conscious 2007 Kia Sedona insurance can be sourced online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.
Even more information is available by following these links:
- Choosing a Car for Your Teen (State Farm)
- Collision Coverage (Liberty Mutual)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Young Drivers: The High Risk Years Video (iihs.org)
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