1996 Kia Sephia Car Insurance Quotes

Are you drained from scraping the payment together each month for insurance coverage? Your situation is no different than many other vehicle owners.

With vehicle owners having so many insurance providers from which to choose, it’s nearly impossible to choose the most cost effective company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. But consumers must comprehend the methods companies use to price online insurance because it can help you find the best coverage.

Compare free auto insurance quotes

There are a variety of methods to compare auto insurance prices but some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Many of the larger companies participate in an industry program that allows shoppers to submit their information once, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify the providers to get pricing from. If you would rather choose from a list of companies to compare rates, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep equivalent coverage limits and deductibles with every price quote. If you are comparing mixed coverages it will be next to impossible to make a fair rate comparison. Having just a slight variation in insurance coverages could throw off the whole comparison. Just keep in mind that getting more free quotes increases your odds of finding the best price. Not every company allows you to get online rate quotes, so you should also compare rates from the smaller companies as well.

How to know if you need help

When choosing coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you would benefit from professional advice.

• Do I have coverage if my license is suspended?
• I have health insurance so do I need medical payments coverage?
• How can I find cheaper teen driver insurance?
• Do I pay less for low miles?
• What if I total my 1996 Kia Sephia and owe more than it’s worth?
• What vehicles should carry emergency assistance coverage?
• Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specific coverages for a 1996 Kia Sephia

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 1996 Kia Sephia.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird, damage from flooding, theft and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like attorney fees, bail bonds, medical expenses and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, chiropractic care, pain medications and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Sephia resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, rolling your car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.