Save on 2015 Kia Sedona Insurance Rates

Buyers have options when searching for the best price on Kia Sedona insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a Kia and get the best price possible.

The quickest method to compare rate quotes is to take advantage of the fact all the major auto insurance companies will pay a fee to give you rate quotes. The only thing you need to do is give the companies some data including driver ages, how many miles driven, if you are currently licensed, and types of safety features. That rating information is instantly provided to multiple auto insurance providers and they respond with quotes very quickly.

These discounts can reduce insurance coverage rates

Auto insurance companies do not list all disounts in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous discounts that you may qualify for.

• Renewal Discounts – Some companies provide a discount for renewing your policy before your current coverage expires. This can save 10% or more.
• Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
• Life Insurance Discount – Larger insurance companies have lower premium rates if you buy a life insurance policy as well.
• Accident Free – Drivers who don’t have accidents have much lower rates compared to insureds who have frequent claims or accidents.
• Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
• Safe Driver Discounts – Drivers without accidents may receive a discount up to 45% for Sedona insurance than their less cautious counterparts.
• Federal Employees – Active or retired federal employment can save as much as 8% for Sedona insurance depending on your company.
• E-sign – Many insurance coverage companies give back up to $50 just for signing your application digitally online.
• Military Rewards – Having an actively deployed family member may qualify for rate reductions.

Just know that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think adding up those discounts means a free policy, you’re out of luck. Any amount of discount should help reduce your premiums.

A few of the larger companies and some of the discounts can be found below.

• Mercury Insurance discounts include good driver, professional/association, ease of repair, multi-policy, and anti-theft.
• Farmers Insurance has savings for alternative fuel, homeowner, switch companies, bundle discounts, business and professional, and early shopping.
• Farm Bureau may offer discounts for youthful driver, multi-vehicle, driver training, good student, multi-policy, and 55 and retired.
• State Farm offers discounts for good student, defensive driving training, multiple autos, student away at school, and multiple policy.
• Allstate includes discounts for FullPay discount, safe driver, eSmart discount, anti-lock brakes, premier discount, and new car.
• Geico offers premium reductions for multi-vehicle, multi-policy, federal employee, military active duty, and air bags.

If you are trying to find cheap insurance coverage quotes, ask every company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in every state. To find providers that have a full spectrum of discounts, click here to view.

Four tips to get more affordable insurance costs

Multiple criteria are considered when you get your auto insurance bill. Some factors are common sense like your driving record, but other criteria are not as apparent like your continuous coverage or your vehicle rating.

• Pleasure use or commuting – Driving more miles every year the more you will pay for auto insurance. Most companies price each vehicle’s coverage based upon how much you drive. Cars that sit idle most of the time can get a lower rate than those that get driven frequently. It’s a smart idea to ensure your declarations sheet is rated on the correct usage for each vehicle, because it can save money. A policy that improperly rates your Sedona may be costing you.
• Use but don’t abuse your insurance – Auto insurance companies give the best rates to drivers who are not frequent claim filers. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended for the large, substantial claims.
• Being married is a bonus – Having a significant other helps lower the price on your auto insurance bill. Marriage means you’re more mature and responsible and statistics prove married couples file fewer claims.
• Costs also based on gender – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are responsible for at-fault accidents at a similar rate, but men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident so they pay the highest premiums.

When do I need an agent’s advice?

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

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

• Is business property covered if stolen from my car?
• Is pleasure use cheaper than using my 2015 Kia Sedona to commute?
• Is a fancy paint job covered?
• What if I don’t agree with a claim settlement offer?
• Does car insurance cover theft of personal property?
• Am I covered when driving in Canada or Mexico?
• I have health insurance so do I need medical payments coverage?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Smaller companies may have the best rates

Consumers can’t ignore all the ads for the lowest price auto insurance by Progressive, Allstate and Geico. They all seem to convey the message that drivers will save a bundle if you change your policy.

How does each company have lower policy pricing? Just pay attention to how they say it.

Companies require specific criteria for the type of driver that will generate a profit. For example, a driver they prefer could be a mature driver, has had continuous coverage, and drives newer vehicles. Any customer who meets those qualifications receive the lowest rate quotes and will save a lot if they switch.

Consumers who do not fit this ideal profile will probably be forced to pay a higher premium and the driver buying from a lower-cost company. The trick is to say “people that switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can advertise the savings.

Because each company has a different risk profile, you absolutely need to compare rate quotes every year. It’s just not possible to know which company will have the best car insurance rates.

Insurance coverage breakdown

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, pain and suffering and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, chiropractic care, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, a broken windshield, damage from a tornado or hurricane, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This coverage pays for damage to your Sedona resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

And the best car insurance company is…

Some insurance providers do not provide online rate quotes and most of the time these small insurance companies work with independent agents. Lower-priced insurance coverage is available both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

You just read quite a bit of information on how to get a better price on 2015 Kia Sedona insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the biggest savings come from a small local company.

More detailed insurance coverage information can be found by following these links:

• Senior Drivers (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Electronic Stability Control FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)