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Kia Kia Sedona Insurance Rates

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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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UPDATED: Mar 17, 2020

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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.

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Are you tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than the majority of other car owners. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company and uncover the absolute best price available.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Consumers just need to understand the best way to compare company rates online.

The fastest way that we advise to compare rate quotes is to understand almost all companies participate in a system to compare their rates. The one thing you need to do is give the companies some data including your general credit rating, types of safety features, whether you drive to work or school, and the make and model of your vehicles. Your rating data is automatically sent to insurance carriers in your area and they return quotes with very little delay.

You are unique and your insurance should be too

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Will my rates increase for filing one claim?
  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is pleasure use cheaper than using my 2008 Kia Sedona to commute?
  • When can my company non-renew my policy?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as EMT expenses, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of 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 limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, medical services, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your Sedona resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch, driving through your garage door, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, vandalism and hitting a deer. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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