Compare 1995 Kia Sephia Insurance Quotes

Shoppers have a choice when shopping for affordable Kia Sephia insurance. You can either waste hours driving around getting price quotes or use the internet to make rate comparisons.

There is a better way to find insurance online and we’ll show you the absolute fastest way to compare rates for a new or used Kia and find the cheapest rates from local insurance agents and online providers.

It’s smart to compare rates yearly because insurance prices trend upward over time. If you had the best deal on Sephia insurance two years ago you can probably find a better premium rate now. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

Free insurance quotes

There are multiple methods to compare insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you can utilize online quotes to quickly compare rates.

Most major companies belong to an insurance system that enables customers to submit one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating quote forms for every insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to getting quotes like this is you are unable to specify the providers to receive prices from. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just try to keep identical coverage limits and deductibles for each price quote. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison.

Insurance quotes and discounts

Insurance is neither fun to buy or cheap, but discounts can save money and there are some available to help bring down the price. Some of these disounts will be visible when you quote, but some discounts are required to be requested specifically before they will apply.

• Service Members Pay Less – Having a deployed family member could mean lower premium rates.
• Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on Sephia insurance depending on your insurance provider.
• Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims before the accident.
• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
• Discount for Low Mileage – Low annual miles can earn better rates on cars that stay parked.
• Telematics Devices – Drivers that enable their company to scrutinize driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
• Life Insurance Discount – Select insurance companies reward you with a discounted insurance rate on car insurance if you buy some life insurance too.
• Discounts for Multiple Vehicles – Buying insurance for several vehicles with the same company may reduce the rate for each vehicle.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most cut individual premiums such as liability and collision coverage. So even though you would think you could get a free insurance policy, insurance companies aren’t that generous.

A list of companies and some of the premium reductions they offer are shown below.

• State Farm policyholders can earn discounts including Drive Safe & Save, good driver, safe vehicle, student away at school, accident-free, and Steer Clear safe driver discount.
• Farmers Insurance may have discounts that include early shopping, homeowner, bundle discounts, teen driver, multi-car, and alternative fuel.
• Geico includes discounts for multi-vehicle, five-year accident-free, multi-policy, anti-lock brakes, and seat belt use.
• American Family offers premium reductions for defensive driver, accident-free, mySafetyValet, multi-vehicle, and bundled insurance.
• Nationwide has discounts for defensive driving, accident-free, family plan, business or organization, good student, Farm Bureau membership, and easy pay.
• Progressive has savings for multi-policy, homeowner, multi-vehicle, good student, continuous coverage, and online quote discount.

If you want cheap auto insurance quotes, ask each company to apply every possible discount. All car insurance discounts may not apply in your area. If you would like to choose from a list of insurers that offer many of these discounts, click this link.

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining whether or not you would benefit from professional advice.

• Is motorclub coverage worth it?
• What are the best liability limits?
• Will I lose any money if I cancel my policy before it expires?
• Do I need rental car coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Is my 1995 Kia Sephia covered for flood damage?
• Should I buy full coverage?
• What is covered by UM/UIM coverage?
• What if I total my 1995 Kia Sephia and owe more than it’s worth?
• What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The Kia Sephia insurance rate equation

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in better auto insurance rates.

The factors shown below are most of the major factors utilized by car insurance companies to help set your premiums.

• Which gender costs less? – Statistics show that men are more aggressive behind the wheel. It does not mean females are better drivers. Both genders cause at-fault accidents in similar percentages, but the male of the species have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
• Low coverage deductibles mean high premiums – Deductibles for physical damage define how much you are willing to pay if the claim is covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are collision with another vehicle, fire damage, or theft of your vehicle. The more expense you pay before a claim is paid (deductible), the lower your rates will be on Sephia insurance.
• Do you really need to file that policy claims? – If you file claims often, you should expect increased rates or even have your policy non-renewed. Auto insurance companies generally give the best rates to people who only file infrequent claims. Auto insurance is designed for the large, substantial claims.
• Credit rating impact auto insurance rates – Credit history factor in calculating your premium rate. Drivers with very good credit scores tend to be more responsible than drivers with lower ratings. If your credit history could use some work, you could save money insuring your 1995 Kia Sephia by improving your rating.
• Maintain auto insurance coverage – Letting your insurance expire can be a guaranteed way to pay more for auto insurance. In addition to paying higher rates, not being able to provide proof of insurance will get you a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Why do you need liability? – A critical coverage on your policy, liability insurance will protect you if ever you are found liable for physical damage or personal injury to other. It will provide legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.
• Put fewer miles on your vehicle – Driving a lot of miles in a year the higher your rates will be. Almost all companies rate vehicles partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than cars that get driven a lot. Ask your agent if your auto insurance policy is rated on the correct usage for each vehicle. An improperly rated Sephia may be costing you higher rates.
• Responsible drivers have lower prices – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Just one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Drivers unfortunate enough to have careless violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 with their state in order to legally drive.

Auto insurance coverages

Understanding the coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage pay for expenses like prosthetic devices, chiropractic care and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Sephia caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, medical expenses, court costs, pain and suffering and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 1995 Kia Sephia.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a deer and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Final thoughts

Some insurance companies do not offer online quoting and most of the time these small insurance companies provide coverage only through independent agents. Lower-priced 1995 Kia Sephia insurance can be sourced on the web in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money.

We just covered a lot of ways to shop for 1995 Kia Sephia insurance online. The key concept to understand is the more you quote auto insurance, the better your comparison will be. Drivers may discover the best price on insurance is with some of the lesser-known companies.

When getting auto insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Additional detailed information is located at these sites:

• What is Gap Insurance? (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Insurance Losses by Make and Model (iihs.org)