Compare 2002 Kia Sedona Car Insurance Cost

Want better insurance rates for your Kia Sedona? Trying to find better insurance prices for a Kia Sedona can be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to buy insurance and you need to know the best way to get price quotes for a Kia and obtain the lowest possible price.

Finding the lowest cost coverage can be fairly easy. If you have a current insurance coverage policy or need a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Drivers only need an understanding of the most effective way to find the lowest price over the internet.

Quote auto insurance online

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the best way to get rate quotes. You can waste hours discussing policy coverages with agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that data. This system prevents you from having to do quote requests for every auto insurance company.

To get comparison pricing now click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose the insurers you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage data for each comparison quote. If you enter different values for each quote it will be nearly impossible to get a fair rate comparison.

Find hidden discounts to get affordable insurance quotes

Car insurance companies don’t always list every policy discount in a way that’s easy to find, so we researched both well-publicized and the more hidden discounts that you may qualify for.

• Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Passive Restraint Discount – Factory options such as air bags can receive discounts of 25 to 30%.
• Claim Free – Claim-free drivers get the best insurance rates in comparison to drivers with a long claim history.
• Defensive Driver Discounts – Participating in a course in defensive driver may get you a small discount and easily recoup the cost of the course.
• Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
• Life Insurance – Select insurance carriers reward you with a discounted price on car insurance if you buy life insurance.

You should keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

A list of insurance companies and their offered discounts are:

• State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, student away at school, multiple autos, passive restraint, and anti-theft.
• Geico includes discounts for multi-policy, driver training, seat belt use, membership and employees, and defensive driver.
• SAFECO may have discounts that include homeowner, anti-theft, safe driver, multi-car, and accident prevention training.
• Farmers Insurance policyholders can earn discounts including switch companies, pay in full, multi-car, electronic funds transfer, bundle discounts, and mature driver.
• AAA discounts include good driver, pay-in-full, anti-theft, multi-car, AAA membership discount, education and occupation, and good student.
• USAA offers premium reductions for military installation, vehicle storage, loyalty savings, new vehicle, and driver training.

If you need cheap insurance coverage quotes, ask every company to give you their best rates. Some credits may not apply in your state. To locate insurers that offer some of these discounts, click this link.

Tailor your auto insurance coverage to you

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

• What vehicles should carry emergency assistance coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage if my license is suspended?
• Do I get a pro-rated refund if I cancel my policy early?
• Why am I required to buy high-risk coverage?
• How many claims can I have before being cancelled?
• Do I need higher collision deductibles?
• Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle, damage from flooding and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills such as dental work, prosthetic devices, ambulance fees, EMT expenses and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, medical expenses, medical services, structural damage and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision protection

This pays for damage to your Sedona 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 hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sedona.

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. Normally the UM/UIM limits are similar to your liability insurance amounts.