Lower Your 2006 Kia Sedona Insurance Rates

Looking for the cheapest car insurance rates for your Kia Sedona? Finding the cheapest insurance for a new or used Kia Sedona can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for car insurance and we’ll show you the best way to price shop coverage for a Kia and locate the lowest price from local insurance agents and online providers.

Finding affordable auto insurance is simple if you know the tricks. If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to get lower rates and still get good coverage. Vehicle owners only need an understanding of the best way to buy auto insurance over the internet.

Car insurance quotes and discounts

Car insurance is not cheap, but there’s a good chance there are discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some need to be manually applied before you get the savings.

• Anti-lock Brake Discount – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Federal Government Employee – Simply working for the federal government can save as much as 8% for Sedona insurance with some car insurance companies.
• Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for Sedona insurance than drivers with accidents.
• Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
• Renewal Discounts – A few car insurance companies give discounts for signing up prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
• Senior Citizens – If you’re over the age of 55, you may be able to get lower premium rates for Sedona insurance.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

A partial list of companies that may offer quotes with some of the above discounts are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

If you need lower rates, check with each company or agent what discounts are available to you. A few discounts may not be offered everywhere. If you would like to choose from a list of insurance companies who offer car insurance discounts, click here to view.

How to find the cheapest insurance coverage

Comparing insurance coverage rates can be a lot of work if you don’t understand the most efficient way. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many companies enroll in a system where prospective buyers submit their information once, and at least one company can provide price quotes. This saves time by eliminating quotation requests to every company.

To compare rates using this form now click here (opens in new window).

The only downside to using this type of form is you cannot specify which carriers to get quotes from. So if you want to choose from a list of companies for rate comparison, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep equivalent coverage limits on every price quote you get. If you have mixed coverages it will be next to impossible to find the best deal for your Kia Sedona.

Situations that may require an agent’s advice

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need added coverage for expensive stereo equipment?
• Are rental cars covered under my policy?
• Do all my vehicles need collision coverage?
• What companies insure drivers after a DUI or DWI?
• Do I need higher collision deductibles?
• Does my medical payments coverage pay my health insurance deductible?
• Do I pay less for low miles?
• Am I covered when pulling a rental trailer?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for chiropractic care, surgery and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your Sedona from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, theft, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t 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. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, bail bonds, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

The bottom line

We’ve covered many tips how you can lower your 2006 Kia Sedona insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier.

As you quote insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to discover later that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Affordable 2006 Kia Sedona insurance can be found on the web and with local insurance agents, so you need to quote insurance coverage with both to have the best selection. Some companies do not provide the ability to get quotes online and these regional insurance providers work with independent insurance agents.

For more information, feel free to browse the following helpful articles:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)