How Much Does 1994 Kia Sephia Insurance Cost?

Trying to find cheaper insurance rates for your Kia Sephia? No one looks forward to paying premiums for insurance, in particular when the cost is way too high. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest price

If you have insurance now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the proper way to compare prices over the internet.

Informed decisions result in lower insurance rates

The best way to find cheaper insurance is to take a look at the different types of things that come into play when calculating the price you pay for insurance. When consumers understand what impacts premium levels, this allows you to make good choices that may result in much lower annual insurance costs. Lots of things are used when pricing auto insurance. Some are obvious such as your driving history, but some are more transparent such as whether you are married or how safe your car is.

• Where you reside can affect premiums – Having an address in a small town can save you money when shopping for auto insurance. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims Urban drivers have more traffic problems and higher rates of accident claims. More time on the road translates into higher accident risk.
• Discounts for multiple policies – Most insurance companies apply better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. The discount can add up to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to check prices from other companies to help ensure you have the lowest rates.
• How old are your drivers? – Older, more experienced drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.Teenage drivers are statistically shown to be easily distracted with other occupants in the car therefore insurance rates are much higher.
• Marriage brings a discount – Being married actually saves money on your insurance policy. Marriage is viewed as being more responsible and statistics prove being married results in fewer claims.

Cheap car insurance

Finding cheaper car insurance rates is actually easier than you may think. The only requirement is to spend a few minutes to compare free insurance coverage quotes to find the company with low cost insurance coverage quotes. Comparing prices online can be done in a couple of different ways.

• One of the simplest ways to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing separate quote forms for every car insurance company. One quote request gets coverage cost estimates from all major companies.
• Another way to obtain and compare quotes online is going to each company website and fill out their own quote form. For example, let’s say you want rates from Progressive, Geico and GMAC. To get rate quotes you would need to go to every website and enter your policy data, which can be really labor intensive.

  For a list of companies in your area, click here.

Which method you use is up to you, but ensure you are comparing the exact same information with each company. If you are comparing higher or lower deductibles it will be next to impossible to determine the lowest rate for your Kia Sephia.

Discounts can really help save money

Car insurance is expensive, but you may be missing some discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about prior to getting the savings. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

• Service Members Pay Less – Being on active deployment in the military could qualify you for better rates.
• Safety Course Discount – Taking a course in safe driver is a good idea and can lower rates and easily recoup the cost of the course.
• Low Mileage Discounts – Keeping the miles down on your Kia can earn better premium rates on cars that stay parked.
• Drivers Education – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
• Accident Waiver – Not a discount per se, but some companies like State Farm, Progressive and Geico permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease on Sephia insurance with select insurance companies.
• Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Sephia insurance than their less cautious counterparts.

You can save money using discounts, but most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount will positively reduce your car insurance premiums.

Larger car insurance companies and a selection of discounts are included below.

• Geico offers discounts for driver training, anti-lock brakes, defensive driver, emergency military deployment, and membership and employees.
• MetLife has savings for good driver, claim-free, accident-free, good student, and defensive driver.
• Progressive offers premium reductions for continuous coverage, multi-policy, good student, homeowner, online signing, online quote discount, and multi-vehicle.
• Travelers offers discounts including IntelliDrive, continuous insurance, save driver, hybrid/electric vehicle, and student away at school.
• SAFECO has discounts for teen safety rewards, accident prevention training, safe driver, anti-theft, drive less, and bundle discounts.
• AAA discounts include pay-in-full, multi-policy, multi-car, good student, anti-theft, and good driver.

If you want cheap insurance coverage quotes, ask each company what discounts are available to you. Some credits may not apply in your area. If you would like to choose from a list of insurance companies that offer discounts, follow this link.

Will just any policy work for me?

When it comes to buying coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Do I need PIP coverage since I have good health insurance?
• Is my dog or cat covered if injured in an accident?
• Is extra glass coverage worth it?
• Why do I need rental car insurance?
• Do I benefit by insuring my home with the same company?
• Who is covered when they drive my 1994 Kia Sephia?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 1994 Kia Sephia.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like pain medications, dental work, nursing services and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Sephia caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to 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 pays for claims like attorney fees, loss of income, emergency aid, funeral expenses and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Take this to the bank

When you buy insurance coverage online, do not reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best possible price, but do not skimp to save money.

We’ve covered a lot of tips how to shop for 1994 Kia Sephia insurance online. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. Consumers may even find the lowest rates come from a lesser-known regional company. Smaller companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Much more information about insurance can be read at the links below

• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Information for Teen Drivers (Geico)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)