Cheap 2005 Kia Sedona Insurance Cost

Looking for cheaper insurance rates for your Kia Sedona? Finding cheaper insurance for a Kia Sedona can be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to find insurance online and we’ll show you the best way to quote coverages for a new or used Kia and obtain the cheapest rates either online or from local insurance agents.

It’s a good idea to get comparison quotes once or twice a year because prices fluctuate regularly. Just because you had the lowest rate on Sedona coverage a couple years back a different company probably has better premium rates today. You can find a lot of wrong information about insurance on the web, but I’m going to show you some great ways to find cheap insurance.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Shopping for cheaper coverage is not that difficult. Drivers just need to learn the proper methods to compare rates on the web.

Discount insurance quotes

Auto insurance companies don’t always publicize all possible discounts in an easy-to-find place, so below is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn approximately 10% to 15%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Save over 55 – If you’re over the age of 55, you could receive reduced rates on Sedona coverage.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% on Sedona coverage with certain companies.
  • Discounts for Multiple Vehicles – Having all your vehicles with the same company can get a discount for every vehicle.
  • Auto/Life Discount – Some insurance companies give a lower insurance rate if you buy life insurance from them.
  • Early Renewal Discounts – A few insurance companies offer discounts for buying a policy before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to monitor when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.

As a sidenote, most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So even though you would think you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will help lower the premium cost.

Companies that have these benefits possibly include:

Before you buy a policy, ask each company to give you their best rates. All car insurance discounts might not be offered in your state. To view companies that can offer you the previously mentioned discounts, follow this link.

Decisions you make can impact your insurance premiums

It’s important that you understand some of the factors that are used to determine the price you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you cheaper rates.

  • Urban residents pay more – Living in a small town can be a good thing when trying to find low car insurance rates. People in densly populated areas tend to have more auto accidents and a longer drive to work. Fewer drivers means reduced accidents and lower theft and vandalism rates.
  • Physical damage deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims could be a dented fender, hail damage, and damage caused by flying debris. Deductibles for physical damage tell how much you are required to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Sedona coverage.
  • Premiums increase with driving tickets – Being a careful driver impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than people who have multiple driving citations. Getting just one driving citation may cause rates to rise forty percent or more. People who have flagrant violations such as DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Discounts for auto and home policies – Most insurance companies give better rates to buyers that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, consumers should still get quotes from other companies to verify if the discount is saving money.
  • Cheaper to insure gals? – Statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Women and men tend to get into fender benders in similar numbers, but males tend to have more serious accidents. Men also receive more major tickets like DWI (DUI) or reckless driving. Male teenagers cause the most accidents so it costs more to insure them.
  • Know your credit score – Having a bad credit score can be an important factor in determining what you pay for insurance coverage. Therefore, if your credit is low, you may save money insuring your 2005 Kia Sedona by spending a little time repairing your credit. Drivers with excellent credit scores tend to file fewer claims and have better driving records than those with poor credit.
  • Only buy add-on coverages you need – There are a lot of extra coverages that sound like a good idea at the time on your Sedona policy. Add-on coverages like personal injury protection, accident forgiveness, and extra equipment coverage may be costing you every month. They may sound like good ideas initially, but if you’ve never needed them in the past eliminate them to save money.
  • Your occupation and insurance coverage rates – Occupations like fire fighterspolice officers and dentists generally pay the highest average rates due to high stress levels and long work days. Conversely, jobs like professors, athletes and retirees pay lower than average rates on Sedona coverage.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Why do I only qualify for high-risk insurance?
  • What are the financial responsibility laws in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I break a side mirror?
  • Why am I required to buy liability insurance?
  • Is my teen driver covered when they drive my company car?
  • Do I need PIP coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2005 Kia Sedona to commute?
  • Does liability extend to a camper or trailer?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, dental work, rehabilitation expenses, pain medications and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle, hail damage, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Sedona caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they 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 Sedona.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Cheaper insurance is a realistic goal

When getting insurance coverage quotes online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced uninsured motorist or liability limits and learned later that it was a big mistake. Your objective should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Insureds switch companies for many reasons like delays in paying claims, being labeled a high risk driver, poor customer service and lack of trust in their agent. No matter why you want to switch, finding a great new company is not as hard as you think.

You just learned a lot of tips how to get a better price on 2005 Kia Sedona insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest car insurance rates are with some of the lesser-known companies.

Helpful resources

Comments About 2005 Kia Sedona Insurance

  1. Ryan Pugh

    I live just to the west of Huntington, West Virginia. Quoted with Hartford, American Family, Nationwide, and a couple others for my Sedona and saved about $430 a year. I have a teen driver too. I got prices on the web.

  2. Kaila Tanner

    Got pretty cheap 2005 Kia Sedona insurance from State Farm in Memphis, TN.

  3. Shanika Ortiz

    Live in Grand Rapids, Michigan. Got quotes from Auto-Owners, Mercury, and Western Auto Insurance for my 2005 Kia Sedona and saved about $350 a year. A clean driving record helps.

  4. Tomasa Hall

    Like your site, BTW. I live in Las Vegas, NV. Compared rates from a lot of places. Saved right around $20 a month. Progressive was the best choice for me. Was with Hanover. I get multi-vehicle and multi-policy discounts.

  5. Annett Tran

    How are claims handled by Progressive around Houston, TX?

  6. Lilia Hudson

    Anyone find cheap rates around Kansas City, Missouri?

  7. Aurelio Pace

    From northwest of Boise, Idaho. I quoted with USAA, Auto-Owners, Hartford, and Safeco for my Sedona and cut my rates about $300 a year. I got a quote from their website.

  8. Nyla Moody

    I got decent rates for a 2005 Kia Sedona in Warwick, Rhode Island. Ended up at about $430 every six months with AIG Insurance. Left Encompass to switch.

  9. Cherish Rowland

    If you have a good history and are close to Boston, MA, check out Allstate. I saved quite a bit. Left Travelers to switch. Have a couple speeding tickets too. I got prices on the web.