1998 Kia Sephia Insurance Rates

Locating better insurance prices for a Kia Sephia could be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to get price quotes for a Kia and obtain the lowest possible price either online or from local insurance agents.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Shopping for the cheapest protection is easy if you know what you’re doing. Vehicle owners only need to know the most efficient way to buy auto insurance online.

Four tips to get cheap insurance premiums

Many things are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or your commute time.A large part of saving on insurance coverage is knowing the rating factors that help calculate the price you pay for insurance coverage. If you have some idea of what influences your rates, this helps enable you to make changes that could help you find cheaper rates.

The factors shown below are some of the things used by your company to calculate premiums.

• Save annual miles and save money – The higher the mileage driven every year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than those used for commuting. Verify your insurance coverage policy correctly shows the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Sephia can result in significantly higher rates.
• Being married is a good thing – Having a wife or husband may cut your premiums on your policy. Marriage is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
• Buy a safe car and pay less – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Kia scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Pay more of a claim out-of-pocket – The deductibles are the amount of money you are required to pay in the event of a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be collision with another vehicle, damage from fire, and damage caused by road hazards. The higher the amount the insured is willing to pay, the less your insurance coverage will be for Sephia coverage.

Compare auto insurance quotes online

All major auto insurance companies provide prices on their websites. Getting online rates is very simple as you simply enter the coverages you want into the quote form. After you submit the form the system automatically orders reports for credit and driving violations and quotes a price based on many factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and type in your information can be a bit repetitive. But it’s necessary to have as many quotes as possible if you are searching for the lowest price.

There is an easier way to compare rates

A better way to find cheaper rates utilizes a single form to obtain quotes from more than one company. It saves time, requires less work, and makes quoting online much more enjoyable. As soon as you send your information, it is quoted and you can select any or none of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process only takes a few minutes and you’ll know if lower rates are available.

In order to compare pricing, click here and fill out the form. If you have a policy now, it’s recommended that you enter deductibles and limits exactly as shown on your declarations page. This helps ensure you will have a price comparison for exact coverage.

Does insurance coverage advertising bend the truth?

Consumers can’t escape the ads for cheaper insurance coverage from the likes of State Farm, Allstate and Geico. All the companies have a common claim that you can save if you move your insurance coverage coverage to their company.

How does each company give you a lower rate? Just pay attention to how they say it.

All the different companies give the best rates for the type of driver that makes them money. One example of a preferred risk may need to be a married female, has no claims, and drives a safe vehicle. A customer getting a price quote who fits those characteristics may get the lowest prices and will save if they switch.

Insureds who fall short of the “perfect” profile may be forced to pay higher premiums which results in the prospect going elsewhere. The ad wording is “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can state the savings.

This really illustrates why you really should do a price quote comparison at every renewal. You cannot predict which company will have the lowest rates for your situation.

Get cheap auto insurance with discounts

Auto insurance is expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you complete an application, but less common discounts must be manually applied prior to getting the savings.

• Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate, Progressive, and Geico will forgive one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
• Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Sephia coverage with a few auto insurance companies.
• Passive Restraints – Vehicles equipped with air bags may qualify for discounts as much as 30%.
• Savings for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less since newer vehicles are generally safer.
• Low Mileage Discounts – Low mileage vehicles can qualify you for discounted premium rates on garaged vehicles.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies who may offer some of the discounts shown above possibly include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When getting a coverage quote, ask each company or agent to give you their best rates. A few discounts may not apply to policyholders in your area. If you would like to view auto insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Can my teen drive my company car?
• Do I have any recourse if my insurance company denies a claim?
• Does my insurance cover my expensive audio equipment?
• Am I covered if my car is in a flood?
• Does my 1998 Kia Sephia qualify for pleasure use?
• What is the difference between comprehensive and collision coverage?
• Is my nanny covered when driving my vehicle?
• Why is insurance for a teen driver so high?
• Do I pay less for low miles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as surgery, funeral costs, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays for damage to your Sephia caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a bird and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage provides protection from damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, funeral expenses, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes mean more savings

People change insurance companies for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in paying claims and questionable increases in premium. Whatever your reason, finding a new company can be pretty painless.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

We just presented some good ideas how to shop for 1998 Kia Sephia insurance online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your rates. Consumers may even find the lowest prices come from the least-expected company.

Additional detailed information can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Teen Driving and Texting (State Farm)
• What is a Telematics Device? (Allstate)