2015 Kia Sedona Car Insurance Cost in 2024 – 5 Tips for Best Prices

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Think you have an overpriced auto insurance policy? Believe me, you’re not alone.

Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a provider and get the definite best price available.

Auto insurance rates and discounts

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be specifically requested before you will receive the discount.

  • Good Student – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Accident Waiver – Not a discount per se, but companies like GEICO and Allstate will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Membership in Organizations – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.

Remember that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. But any discount will reduce the cost of coverage.

For a list of companies who offer free auto insurance quotes, enter your zip code here.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Do I pay less for low miles?
  • Why do I need rental car insurance?
  • How much liability coverage do I need in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does car insurance cover theft of personal property?
  • Do I need medical payments coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2015 Kia Sedona to commute?
  • What is the difference between comprehensive and collision coverage?
  • Why do I only qualify for high-risk insurance?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete your zip code.

Big names are not always cheapest

Big name companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. They all advertise the message that you’ll save big if you get a free car insurance quote and switch your insurance coverage to their company. How can each company make almost identical claims? This is the trick they use.

Insurance companies have underwriting criteria for the type of insured that is profitable for them. An example of a desirable insured should be over the age of 40, has no driving citations, and drives a safe vehicle. A driver that meets those criteria will qualify for the lowest car insurance rates and will also save a lot of money.

Potential insureds who don’t qualify for those criteria will probably be forced to pay more expensive rates and ends up with the customer not purchasing. The ads say “drivers who switch” not “all people who quote” save money. That’s the way companies can make it sound like they have such great rates. Different companies use different criteria so it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the lowest prices for your situation.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Medical expense coverage

Med pay and PIP coverage pay for expenses like dental work, pain medications, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, vandalism, hitting a deer and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your Sedona resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2015 Kia Sedona.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like pain and suffering, funeral expenses, repair bills for other people’s vehicles, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Buy Smart and Save

Some insurance providers may not have price quotes online and these regional carriers only sell through independent insurance agents. Budget-conscious 2015 Kia Sedona insurance is possible online in addition to local insurance agencies, so you need to compare both to have the best selection.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

In this article, we covered many tips how you can compare 2015 Kia Sedona insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest car insurance. Consumers could even find that the best price on car insurance is with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

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