Lower Your 2003 Kia Sedona Insurance Quotes

Trying to find better insurance rates for your Kia Sedona? Trying to come up with a payment for high-priced insurance can empty your family’s budget and force you to make sacrifices. Doing a rate comparison is recommended to make sure you’re not throwing money away.

Due to the fact that there are so many insurance companies to choose from, it can be diffult for drivers to locate the most affordable insurance provider.

The purpose of this article is to tell you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers just need to learn the proper way to compare rates on the web.

Compare auto insurance quotes

There are several ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking to insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to send in one quote, and at least one company provides a quote based on that data. This saves time by eliminating quote forms to each company.

To find out what other companies charge click here to open in new window.

The one downside to comparing rates this way is that you can’t choose which companies you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but do your best to use exactly the same quote data on every quote you get. If the quotes have different data it’s not possible to make a fair rate comparison.

Car insurance discounts help cut rates

Car insurance companies do not list all their discounts very well, so we researched both well-publicized as well as some of the hidden savings tricks you should be using when you buy insurance online.

• Military Rewards – Being on active deployment in the military may lower your prices slightly.
• Driver Training Discounts – Taking a safe driver course may get you a small discount if you qualify.
• Passenger Safety Discount – Factory air bags or automatic seat belts can get savings up to 30%.
• Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
• Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
• E-sign Discounts
• Student Driver Training – Have your child enroll and complete driver’s education in school or through a local driver safety program.
• Student in College – Any of your kids who live away from home at college and leave their car at home may be insured at a cheaper rate.

Drivers should understand that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

To find companies offering car insurance discounts, follow this link.

Which is the best auto insurance?

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions can help discover if your situation will benefit from professional help.

• Am I covered when delivering products for my home-based business?
• I don’t drive much so do I pay less?
• Are rental cars covered under my policy?
• Why is insurance for a teen driver so high?
• I have a DUI can I still get coverage?
• Can my teen driver be rated on a liability-only vehicle?
• When should I drop full coverage on my 2003 Kia Sedona?
• Can my teen drive my company car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance costs are influenced by these factors

Consumers need to have an understanding of some of the factors that help calculate the level of your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that could result in better auto insurance rates.

• Accidents drive up costs – Good drivers pay lower auto insurance prices than people who have multiple driving citations. Even one citation can increase the cost of insurance substantially. Drivers unfortunate enough to have license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility with their state in order to keep their license.
• More policies can equal more savings – Most larger insurers provide a discount to people that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, consumers should still check prices from other companies to guarantee you are still saving the most.
• Policy add-ons may not be needed – Insurance companies have many extra bells and whistles you can purchase on your Sedona policy. Coverage for things like replacement cost coverage, accident forgiveness, and Farm Bureau memberships are examples of these. You may think they are a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
• Never let your auto insurance policy lapse – Not maintaining insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay more, being ticketed for driving with no insurance could result in fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Don’t listen to company ads

Consumers can’t get away from ads for cheaper insurance from companies such as Allstate and Progressive. They all seem to make the promise that you can save if you change your policy.

How can each company charge you less for car insurance? This is the trick they use.

Insurance companies can use profiling for the type of driver that will add to their bottom line. A good example of a driver they prefer might be between 25 and 40, insures multiple vehicles, and drives a vehicle with a low ISO rating. Anyone who matches those parameters will get the preferred rates and therefore will save if they switch.

Potential customers who don’t meet this ideal profile will get a higher rate which translates to the customer not buying. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can lure you into getting a quote.

Because every company is different, you need to get as many free insurance quotes as possible. It is just not possible to predict the company that will fit you best based on your risk profile.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, vandalism, hitting a bird and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox, backing into a parked car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability auto insurance

This will cover damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, legal defense fees, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as EMT expenses, funeral costs, hospital visits, ambulance fees and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Final considerations

Throughout this article, we presented a lot of techniques to save on 2003 Kia Sedona insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding low cost insurance. Consumers may even find the best price on car insurance is with the least-expected company. Some small companies often have lower rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

Budget-friendly car insurance can be purchased on the web in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and most of the time these regional insurance providers only sell through local independent agents.

Additional detailed information is located in the articles below:

• Teen Driving Statistics (Geico)
• Rollover Crash FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Understanding Limits and Deductibles (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)