1997 Kia Sephia Insurance Rates

Are you sick and tired of trying to scrape together enough money to pay high auto insurance rates every month? Your situation is no different than many other drivers. Insurance companies such as State Farm, Progressive and Geico persitently shower you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

The most recommended method to compare car insurance rates takes advantage of the fact most larger insurance companies participate in online systems to give free rates quotes. All consumers are required to do is provide details like if you have an active license, driver details, if it has an anti-theft system, and if the car is leased. That rating data is automatically sent to many of the top insurers and you will get price comparisons with very little delay.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my 1997 Kia Sephia qualify for pleasure use?
  • Are my friends covered when driving my 1997 Kia Sephia?
  • Should I have a commercial auto policy?
  • Is a fancy paint job covered?
  • Is my cargo covered for damage or theft?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Specific coverage details

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, damage from getting keyed, vandalism and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses such as nursing services, rehabilitation expenses, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a 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 available in all states and gives slightly broader coverage than med pay

Comments About 1997 Kia Sephia Insurance

  1. Simonne Roberson

    Lots of useful info here. I’m in the west part of Honolulu, HI. Got quotes from Western Auto Insurance, AAA, Hanover, and Mercury for my 1997 Kia Sephia and saved just over $60 a year. Was with Hartford. Online quotes are the way to go.

  2. Laveta Berger

    Not sure what I should be paying. Live in the northern part of Phoenix, AZ. Went online for free insurance quotes for a 1997 Kia Sephia. Ended up at about $90 savings annually. Went with State Farm. Online quotes are the way to go.

  3. Rikki Vega

    I’m in the suburbs of Nampa, ID. Got rates from AAA, Sentry, and Travelers for my Kia and I think I am saving around $20 each month. Left Esurance to switch. I don’t insure for physical damage though.

  4. Polly Hardin

    I’m just west of Grand Rapids, MI. Quoted with Sentry, Farmers, 21st Century, and American Family for my Kia and cut my rates about $120 a year. My new agent seems to be really good. Not sure if rates are cheaper online or not. Anyone else drop full coverage?

  5. Elin Dixon

    Here’s my quote info. Got a quote with State Farm for my Sephia and cut my rates about $110 a year. I have a teen driver too. Get lots of quotes to find the best rate. When should I drop full coverage?

  6. Latricia Bray

    Will State Farm give a discount for driver training?

  7. Warren Durham

    Got pretty cheap 1997 Kia Sephia insurance from Progressive in Boise, Idaho.

  8. Marlena Mccullough

    Any companies in Boston, Massachusetts that will insure a DUI?

  9. Renate Henry

    This is too expensive. I’m from Norman, OK. Checked online prices for a 1997 Kia Sephia. Ended up at about $70 savings annually. Went with State Farm. I don’t insure for physical damage though.

  10. Janell Dean

    If you have a clean record and live in the vicinity of Cincinnati, OH, check out Allstate. You might save some money. Left Nationwide to switch. I don’t insure for physical damage though.

  11. Dottie Stafford

    Live in the eastern part of Allentown, PA. Quoted quotes with Progressive, Liberty Mutual, and Encompass for my Kia and saved about $80 a year. Ask about discounts. Can still barely afford it.

  12. Syreeta Keller

    Does Progressive offer new car replacement?

  13. Dalene Jacobs

    Is GEICO cheap in Fayetteville, AR?

  14. Consuela Wolfe

    If you’re a decent driver and are close to Philadelphia, PA, check out Allstate. They seem to be cheaper. A clean driving record helps. I quoted rates online then called them. Anyone else drop full coverage?

  15. Royce Ayala

    I’ve insured with GEICO for a long time. Pretty cheap in Rio Rancho, New Mexico.