1999 Kia Sephia Insurance Rates – 6 Discounts for Cheaper Quotes

Shoppers have many options when shopping for the lowest priced Kia Sephia insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for a Kia and obtain the cheapest rates from both online companies and local agents.

How to buy insurance online

Finding a lower price on 1999 Kia Sephia insurance is not rocket science. The only requirement is to spend a few minutes to get quotes online from several insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The fastest and easiest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form eliminates the need for a different quote for every prospective company. Completing one form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. Another way to compare rate quotes is spending the time to visit each company website to complete their respective quote request forms. For example, let’s assume you want comparison quotes from State Farm, Liberty Mutual and Allstate. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  3. If you have time to kill, the last way to get rate quotes is making phone calls or going to and from local insurance agencies. Comparing rates online reduces the need to sit down with an agent unless you require the peace of mind of an agent trained in personal lines coverage. Some companies do allow you to compare online quotes but buy the policy through an agent.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples information for each comparison quote. If you have different liability limits it’s impossible to determine the lowest rate for your Kia Sephia.

Get cheaper car insurance rates with discounts

Auto insurance companies don’t always list the entire discount list in an easy-to-find place, so the following list contains some of the best known and also the more inconspicuous credits available to bring down your rates. If you don’t get every credit available, it’s possible you qualify for a lower rate.

  • Defensive Driving Course – Completing a driver safety course could earn you a small percentage discount and also improve your driving technique.
  • Safe Driver Discounts – Insureds without accidents may receive a discount up to 45% for Sephia insurance compared to rates paid by drivers with frequent claims.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with bad drivers.
  • Good Student Discount – Being a good student may save you up to 25%. This discount can apply until age 25.
  • Active Service Discounts – Having a family member in the military could qualify you for better premium rates.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft so companies will give you a small discount.

Just know that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose insurers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • When can my company non-renew my policy?
  • Do I need higher collision deductibles?
  • How do I insure my teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my 1999 Kia Sephia qualify for pleasure use?
  • Is there coverage for injuries to my pets?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, theft and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, legal defense fees, medical expenses, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, dental work, chiropractic care, pain medications and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

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

Collision coverage protects against claims like rolling your car, backing into a parked car, colliding with a tree, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sephia.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comments About 1999 Kia Sephia Insurance

  1. Emmanuel Banks

    Not sure what I should be paying. Live in the western part of Milwaukee, WI. Checked online prices for a 1999 Kia Sephia. Ended up at about $110 savings annually. Went with 21st Century. Thankfully I have a good driving record.

  2. Kerry Haynes

    I live in a small town just outside of Shreveport, LA. Quoted with Sentry, Erie, GEICO, and Amica for my Sephia and I’m now saving $21 a month. Get lots of quotes to find the best rate.

  3. Albertine Villarreal

    I live east of Salem, Oregon, and Allstate rates were best. Insured with Hartford before. Just waiting to see how claims go. When should I drop full coverage?

  4. Alleen Wood

    I found pretty cheap rate quotes for a 1999 Kia Sephia in Minneapolis, Minnesota. Ended up at about $110 every six months with Amica. They have a lot of discounts available. You can get a rate quote online.

  5. Raylene Campbell

    All companies are crooks. From northwest of Honolulu, HI. I got free quotes with Sentry, Esurance, Progressive, and American Family for my 1999 Kia Sephia and I think I saved around $30 each month. Moved home policy as well. Might find lower rates online.

  6. Shanon Burks

    State Farm quoted the best rates in Ohio.

  7. Mitchel Thompson

    Great site. Checking in from Albuquerque, New Mexico. I got free prices from Progressive, Liberty Mutual, and Farmers for my Kia and cut my rates about $110 a year. Left AIG Insurance to switch. Moved home policy as well. Hardly afford to drive anymore. Book value doesn’t justify full coverage anymore.

  8. Christiane Calhoun

    I found cheap 1999 Kia Sephia insurance in Wilmington, DE with GEICO.