2012 Kia Sedona Insurance Quotes

Searching for cheaper auto insurance rates for your Kia Sedona? Locating cheaper insurance for a Kia Sedona can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages for a new or used Kia and obtain the lowest price from both online companies and local agents.

It’s a good idea to do price comparisons at least once a year because prices change regularly. Even if you think you had the lowest price on Sedona coverage a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, but I’m going to show you some proven techniques to lower your auto insurance rates.

Car insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Many discounts should be triggered when you get a quote, but a few must be asked for prior to getting the savings. If you do not double check each discount possible, you’re paying more than you need to.

  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Safety Course Discount – Passing a course in defensive driver could earn you a small percentage discount and also improve your driving technique.
  • Early Signing – A few companies give discounts for renewing your policy before your current coverage expires. It’s a savings of about 10%.
  • Safe Driver Discount – Insureds who avoid accidents could pay up to 40% less on Sedona coverage than their less cautious counterparts.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies who might offer most of the discounts above include:

If you want the cheapest auto insurance quotes, ask every insurance company how you can save money. Discounts may not apply to policies in your area. To see a list of companies that have a full spectrum of discounts, click here to view.

Finding insurance coverage

Getting cheaper 2012 Kia Sedona insurance coverage pricing can be relatively painless. All that’s required is to take a couple of minutes comparing rates to see which company has cheaper auto insurance quotes. Shoppers can get rates using a couple different methods.

Probably the best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate forms to each individual insurance coverage company. One quote request gets insurance cost estimates from multiple companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to compare prices requires you to visit each company’s website and complete a new quote form. For instance, let’s say you want comparison quotes from USAA, 21st Century and Progressive. You would be required to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

The hardest method to find cheaper rates is to spend your day driving to each insurance agency near you. Comparing rates online eliminates the need for an insurance agent unless you have a complicated situation and need the advice and guidance only provided by licensed agents. You can, however, compare online quotes but still have the advice of a local agent.

Which method you use is up to you, but try to use the same coverage data for each price quote. If you are comparing different values for each quote you can’t possibly get a fair rate comparison.

Kia Sedona insurance price factors

Multiple criteria are taken into consideration when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent such as your credit history or your vehicle rating.It’s important that you understand the different types of things that are used to determine the rates you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that may result in big savings.

  • Never go without auto insurance – Not maintaining insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Small claims can cost you – Auto insurance companies award the best rates to policyholders that do not abuse their auto insurance. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Having a spouse pays dividends – Having a wife or husband may cut your premiums on auto insurance. Having a significant other usually means you are more mature and responsible and it’s proven that drivers who are married file infrequent claims.
  • Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings can get you lower premiums. These vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
  • Liability insurance – Liability insurance kicks in when you are found to be at fault for causing personal injury or damage in an accident. It provides you with a defense in court which can be incredibly expensive. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.

These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Does my car insurance cover rental cars?
  • Who is covered when they drive my 2012 Kia Sedona?
  • How does medical payments coverage work?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover a custom paint job?
  • Do I need added coverage for expensive stereo equipment?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I hit a deer?
  • What happens if I owe more than my 2012 Kia Sedona is worth?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Save $439 a year? Really?

Consumers constantly see and hear ads that promise big savings from companies such as Progressive, Allstate and Geico. All the ads state the claim that people will save if you switch your insurance coverage to their company.

How is it plausible that every one can give you a better price? Here is the trick they use.

All the different companies have specific guidelines for the type of insured they prefer to insure. An example of a profitable insured may need to be over the age of 40, owns their home, and the vehicle is rated for pleasure use. Any customer that meets those criteria will get very good car insurance rates and is almost guaranteed to cut their rates if they switch.

People who don’t measure up to these criteria will get higher rates and this results in the driver buying from a lower-cost company. The trick is to say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can advertise the way they do.

Each company has different criteria, so you really should quote coverage with many companies. Because without a comparison, you cannot know which insurance company will give you lower car insurance rates than your current company.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision protection

This 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 coverage pays for things like hitting a mailbox, driving through your garage door, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, hitting a deer and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Kia Sedona.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, X-ray expenses and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

You can do this!

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

People change insurance companies for many reasons like denial of a claim, policy cancellation, questionable increases in premium or high prices. Regardless of your reason, choosing a new insurance company is easier than you think.

Some auto insurance companies do not provide online rate quotes regional carriers prefer to sell through independent agents. Cheaper auto insurance can be found both online as well as from insurance agents, and you need to comparison shop both to have the best selection.

More information is available below:

Comments About 2012 Kia Sedona Insurance

  1. Jacquetta Shelton

    I got quite a few price quotes for a 2012 Kia Sedona in Wilmington, DE. Ended up at roughly $220 every six months with AAA. Highly recommended.

  2. Dayle Hutchinson

    I chose to switch to Allstate from Auto-Owners. I live in West Valley City, Utah. Was with State Farm.

  3. Lourie Buckley

    This is too expensive. Located in Augusta, Georgia. Received rates from Progressive, Encompass, and GMAC for my Sedona and saved $292 a year. Insured with State Farm before.

  4. Jeanice Livingston

    This is too expensive. I live just outside Juneau, Alaska. Compared rates from a lot of places. Saved right around $60 a month. Allstate was the cheapest option for me. Left Auto-Owners to switch. Switched homeowners coverage too. You can get a rate quote online.

  5. Teresa Cunningham

    Cheaper car insurance is a myth. Located in Cranston, RI. Got car insurance quotes with MetLife, Esurance, Allstate, and American Family for my Sedona and saved just over $270 a year. Switched homeowners coverage too. LOL

  6. Millie Duran

    Great info, thanks for posting. I live south of Rio Rancho, NM. I got free prices from GEICO, Amica, and Encompass for my Sedona and saved just over $430 a year. Insured with Travelers before.

  7. Melynda Martinez

    Liked the article. Checking in from Rapid City, SD. Quoted prices from Auto-Owners, Erie, and Sentry for my Sedona and saved $420 a year. Left AAA to switch. I have a teen driver too. Still almost need a second mortgage.

  8. Shamika Chavez

    Good site, thanks. I live in a small town just outside of West Valley City, UT. Got prices from 21st Century, Auto-Owners, Erie, and GMAC for my Sedona and I think I saved about $40 each month. Not sure about claim service.

  9. Raquel Ellis

    Not sure what I should be paying. I live in Lincoln, NE. Don’t remember every company but I ended up saving about $40 each month. It never hurts to quote around.

  10. Deloris Browning

    I think 21st Century has low rates in Vermont. For me anyway.

  11. Alyssa Richards

    I’m in Kailua, HI. Don’t remember every company but I ended up saving about $30 each month. Was with Progressive.

  12. Von Donovan

    Nice post. I’m in Eugene, OR. Got car insurance rates from AAA, MetLife, and a few others for my Kia and saved $226 a year. Was with Liberty Mutual.

  13. Amina Bolton

    I got quite a few price quotes for a 2012 Kia Sedona in Warwick, RI. Ended up at about $320 every six months with Amica. They have a lot of discounts available. Did it all online.

  14. Ronni Webb

    If you don’t have tickets and live in the vicinity of Greensboro, NC, check out Allstate. They seem to be cheaper. I used their online quote form to compare rates.

  15. Marlon Obrien

    From Saint Paul, Minnesota. I compared lots of rates. Saved about $50 a month. Progressive was the cheapest for me. I get lower rates because of my clean driving record.

  16. Rhiannon Valenzuela

    I’ve had Progressive for years. I’m in Honolulu, Hawaii.