2000 Kia Sephia Insurance Cost – 7 Tips for Best Prices

Drivers not familiar with comparing quotes online might discover sourcing affordable car insurance can be quite challenging.

It’s important to get comparison quotes periodically because insurance coverage prices are rarely the same from one policy term to another. Just because you found the lowest rate for Sephia coverage two years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because it’s time to teach you the only way to find lower rates on insurance coverage.

The easiest way to compare car insurance company rates is to take advantage of the fact most of the larger companies will pay a fee to compare rate quotes. The only thing you need to do is give the companies some data including if you lease or own, the type of vehicles you drive, if your license is active, and if you’re married. That information is instantly submitted to multiple companies and you will receive price estimates within a short period of time.

To compare multiple company rates now, click here and complete the quick form.

Don’t miss these seven discounts

Auto insurance companies do not advertise every possible discount in a way that’s easy to find, so the following list contains both well-publicized and the harder-to-find credits that may apply to you.

• New Car Discount – Putting insurance coverage on a new car may earn a small discount due to better safety requirements for new vehicles.
• Payment Method – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
• Organization Discounts – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and Geico will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could save as much as 10 to 15 percent.
• Telematics Data Discounts – Insureds that choose to allow their company to spy on driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Discount for Low Mileage – Driving fewer miles could be rewarded with lower premium rates on the low mileage vehicles.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will definitely reduce your insurance premiums.

Companies and some of the premium reductions they offer are shown below.

• American Family policyholders can earn discounts including good driver, good student, multi-vehicle, accident-free, and defensive driver.
• Nationwide offers premium reductions for defensive driving, multi-policy, Farm Bureau membership, family plan, easy pay, and anti-theft.
• MetLife has discounts for multi-policy, good student, accident-free, claim-free, and defensive driver.
• 21st Century offers discounts for early bird, automatic seat belts, driver training, defensive driver, teen driver, good student, and theft prevention.
• Farmers Insurance may have discounts that include electronic funds transfer, teen driver, business and professional, bundle discounts, homeowner, and youthful driver.
• Allstate may offer discounts for FullPay discount, utility vehicle, early signing, premier discount, auto/life discount, anti-theft, and 55 and retired.

Double check with all the companies which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. To see a list of insurers that offer multiple discounts, follow this link.

Special considerations

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation may require specific advice.

• Do I need to file an SR-22 for a DUI in my state?
• Are rock chip repairs covered?
• When should I not file a claim?
• When should I remove comp and collision on my 2000 Kia Sephia?
• How much liability do I need to cover my assets?
• Why am I required to buy liability insurance?
• Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Do insurance companies bend the truth?

Insurance providers like State Farm, Allstate and Geico continually stream television, radio, and online ads. All the ads say the same thing about how much you will save if you get a free car insurance quote and switch your coverage to them. How does each company cost less than your current company? This is the trick they use.

Many companies give the cheapest rates for the type of driver that earns them a profit. For instance, a profitable customer should be between the ages of 30 and 50, has other policies, and has a short commute. Any new insured that fits those parameters will qualify for the lowest premium rates and have a good chance to save if they switch.

Drivers who are not a match for those criteria will have to pay a higher rate which translates to the customer not buying. The ad wording is “people that switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully make it sound like they have such great premium rates. Different companies use different criteria so it is so important to get a wide range of price quotes. Because without a comparison, you cannot know the company that will give you lower car insurance rates than your current company.

Car insurance 101

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Sephia.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills such as X-ray expenses, EMT expenses, ambulance fees, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, backing into a parked car, rolling your car 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. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, structural damage, medical services, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing about your coverage

Budget-conscious 2000 Kia Sephia insurance can be found from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not have online rate quotes and most of the time these smaller companies work with local independent agencies.

We covered a lot of ways to get a better price on 2000 Kia Sephia insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best premium rates are with a lesser-known regional company.

People change insurance companies for a number of reasons such as policy cancellation, unfair underwriting practices, questionable increases in premium and even poor customer service. Regardless of your reason for switching companies, switching insurance companies is pretty easy and you might even save some money in the process.

More resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)