2015 Kia Sedona Insurance Rates
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UPDATED: Mar 17, 2020
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Average insurance rates for a 2015 Kia Sedona are $1,132 a year including full coverage. Comprehensive costs around $238, collision costs $374, and liability coverage costs $384. Buying a liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,440. Teenage drivers receive the highest rates at $4,272 a year or more.
Annual premium for full coverage: $1,132
Rate estimates for 2015 Kia Sedona Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 a 40-year-old driver, prices range go from as low as $432 for just liability insurance to the much higher price of $2,440 for high-risk insurance.
These differences highlight why everyone should compare rates for a specific zip code and risk profile, rather than using 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 2015 Kia Sedona Insurance
If shopping for car insurance online is new to you, it’s easy to get overwhelmed by the large number of online car insurance companies and websites competing for business.
Consumers should take time to compare prices before your policy renews because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price for Sedona coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.
These discounts can slash car insurance rates
Insuring your fleet can be pricey, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but a few must be manually applied before you get the savings.
- Auto/Home Discount – When you have multiple policies with the same company you may earn up to 20% off your total premium.
- Homeowners Discount – Owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
- E-sign – Some insurance companies will give a small break for buying a policy and signing up over the internet.
- Military Rewards – Being on active duty in the military could mean lower rates.
- Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
- Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
- Student in College – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
- New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
- Federal Government Employee – Simply working for the federal government can save as much as 8% for Sedona coverage depending on your company.
Keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce the amount you have to pay.
Companies that possibly offer these discounts are:
Check with each company which discounts they offer. All car insurance discounts might not apply in every state.
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When might I need the advice of an agent?
When choosing the right insurance coverage, there is no best way to insure your cars. Every situation is different.
Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Is motorclub coverage worth it?
- When can my company non-renew my policy?
- Where can I get insurance after a DUI in my state?
- Is my camper covered by my car insurance policy?
- Are my friends covered when driving my car?
- Is my vehicle covered by my employer’s policy when using it for work?
- Am I covered when driving in Canada or Mexico?
- When should I remove comp and collision on my 2015 Kia Sedona?
- Should I buy only the required minimum liability coverage?
- Can my babysitter drive my car?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.
Save $464 a year. For real?
Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch your policy. How can each company make the same claim? It’s all in the numbers.
Insurance companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer could possibly be a mature driver, is a homeowner, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.
Potential customers who don’t qualify for the “perfect” profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save money. This is how insurance companies can advertise the savings.
That is why drivers must get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings on Kia Sedona insurance.
Insurance coverage breakdown
Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like funeral expenses, repair costs for stationary objects, court costs, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from getting keyed, vandalism and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision insurance will pay to fix damage to your Sedona caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as damaging your car on a curb, rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Better coverage you can count on
You just learned a lot of ways to compare 2015 Kia Sedona insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with the least-expected company.
Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests or even high prices. Whatever your reason, switching auto insurance companies is easier than you think.
When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
- Help Your Teen Be a Better Driver (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,788|
|Los Angeles, CA||$1,938|
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||$79|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.