How Much Does 2016 Kia Sedona Insurance Cost in 2024?

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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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Trying to find lower insurance rates for your Kia Sedona? Wish you could get a refund on high-priced insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive insurance.

Many insurance companies compete for your business, and it can be difficult to compare rates to find the absolute cheapest price

Low cost insurance coverage prices

All the larger insurance coverage companies make it easy to get insurance quotes on their websites. Getting quotes is fairly simple as you just type in the coverage amounts you desire as requested by the quote form. After you submit the form their system orders your credit score and driving record and generates pricing information based on the data you entered. Quoting online helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form is a big time waster. But it is imperative to get many rate quotes in order to get better prices.

The easy way to compare rates

A quicker way to compare rates is to use a quote form to return rates from several different companies. It saves time, requires less work, and makes online quotes much more efficient. Once the form is submitted, it is quoted and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

In order to compare rates now, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you replicate coverages and limits exactly as shown on your declarations page. Doing this assures you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

Take advantage of every car insurance discount

Some insurers don’t always list the entire discount list very well, so we break down both the well known and also the lesser-known credits that you can use to lower your rates. If you do not double check each discount possible, you’re paying more than you need to.

  • Memberships – Belonging to a professional or civic organization may earn a discount on your next car insurance statement.
  • One Accident Forgiven – This one isn’t a discount, but companies like Libery Mutual, GEICO and Allstate permit an accident before your rates go up so long as you haven’t had any claims for a specific time period.
  • Safety Course Discount – Participating in a driver safety course could possibly earn you a 5% discount and make you a better driver.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • Life Insurance – Select companies reward you with better rates if you take out some life insurance too.
  • Own a Home – Just owning your own home can get you a discount because it demonstrates responsibility.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Sedona insurance with select insurance companies.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.

For a list of car insurance companies with discount car insurance rates, enter your zip code here.

How to know if you need help

When buying proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out if your situation will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • What are the financial responsibility laws in my state?
  • What is UM/UIM insurance?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Why am I required to buy high-risk coverage?
  • Why is insurance for a teen driver so high?
  • Is business equipment covered while in my vehicle?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete your zip code.

Insurance coverage options for a 2016 Kia Sedona

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers 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 damage to your Kia Sedona.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are set the same as your liability limits.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, hail damage and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills for things like surgery, EMT expenses, pain medications, prosthetic devices and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your Sedona resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

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