2016 Kia Sedona Insurance Quotes

Want cheaper car insurance rates for your Kia Sedona? Nobody that owns a car rejoices having to buy car insurance, especially when the price is too high. Big-name insurance companies like State Farm, Progressive and Geico constantly blast consumers with advertising and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

How to lower your auto insurance cost

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the most efficient way. You could spend the better part of a day talking to agents in your area, or you could use the web to achieve your goal.

Many companies participate in a marketplace where prospective buyers submit their information once, and each company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for every auto insurance company. To find out how much you’re overpaying now click here (opens in new window).

The only downside to comparing rates this way is that consumers can’t choose which insurance companies you want to price. If you wish to select specific insurance companies to compare, we have a page of auto insurance companies in your area. Click to view list.

The method you choose is up to you, but make sure you compare apples-to-apples coverages on every quote. If your comparisons have different values for each quote you will not be able to determine which company has the best rates.

Discount auto insurance quotes

Some insurance providers don’t always publicize all disounts in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous discounts that you may qualify for.

• Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Discounts for Multiple Vehicles – Having multiple cars or trucks on one policy can reduce rates for all insured vehicles.
• Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less on Sedona insurance compared to rates paid by drivers with frequent claims.
• Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
• Waiver for an Accident – Not really a discount, but certain companies will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a set time period.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
• Distant Student – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

If you would like to choose from a list of auto insurance companies who offer discounts, click here.

Tailor your insurance coverage to you

When choosing coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you would benefit from professional advice.

• Should I sign the liability waiver when renting a car?
• How much liability coverage do I need in my state?
• Is my cargo covered for damage or theft?
• Is my trailer covered?
• Is upholstery damage covered by car insurance?
• How high should deductibles be on a 2016 Kia Sedona?
• Will my rates increase for filing one claim?
• How do I buy GAP insurance?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Eight things that impact your insurance costs

Smart consumers have a good feel for some of the elements that help calculate your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find lower premium levels.

• Pay more if you have a long commute – Being located in a small town can save you money if you are looking for the lowest rates. Urban drivers have more aggressive driving styles and much longer commute distances. Less people living in that area translates into fewer accidents and lower theft and vandalism rates.
• Safer cars lower insurance rates – Safer cars tend to have better insurance rates. Safe vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
• Don’t buy add-on coverages you don’t need – There are a lot of optional add-on coverages that can add up if you aren’t diligent. Coverages for personal injury protection, better glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
• Avoid tickets and save – Attentive drivers receive lower rates as compared to those with violations. Having just one moving violation may increase your cost substantially. Drivers unfortunate enough to have license-revoking violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
• Poor credit can mean higher prices – A driver’s credit rating is likely to be a major factor in determining what you pay for insurance. People with high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. Therefore, if your credit rating is lower than you’d like, you may save money insuring your 2016 Kia Sedona by improving your credit score.
• Men drivers tend to cost more – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better drivers. Females and males are responsible for at-fault accidents at about the same rate, but guys tend to have higher claims. Men also statistically get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore pay the highest rates.
• Drive less and save – The more miles you rack up on your Kia annually the higher the price you pay to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. It’s a good idea to make sure your policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect rating for your Sedona is throwing money out the window.
• High coverage deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and having your car stolen. The deductibles are how much you are willing to pay before your insurance pays a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Sedona insurance.

Big brands don’t always mean big savings

Drivers can’t ignore all the ads for cheaper car insurance by Progressive, Allstate and Geico. All the ads tend to make the same promise that you can save if you switch your policy.

That’s great but how can every company make almost identical claims? This is the way they can do it.

Insurance companies have an ideal profile for the type of customer that will not have excessive claims. For example, a profitable risk profile could possibly be between the ages of 30 and 50, carries full coverage, and chooses high deductibles. A propective insured that hits that “sweet spot” will most likely get cheap prices and therefore will save if they switch.

Potential insureds who don’t measure up to those standards will have to pay a higher premium with the end result being the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can make those claims. This emphasizes why it is so important to get price quotes at each policy renewal. It’s just not possible to know which car insurance company will have better prices than you’re paying now.

Car insurance coverage specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hitting a bird and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Kia Sedona.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as medical services, pain and suffering, legal defense fees, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage – Collision insurance covers damage to your Sedona caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, dental work and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

More choices the merrier

We just covered many ideas to lower your 2016 Kia Sedona insurance car insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.

When searching for the cheapest insurance coverage quotes, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage only to regret that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Some insurance providers may not offer online rate quotes and many times these smaller companies only sell through independent agents. Cheaper insurance can be sourced both online and from local insurance agents, and you need to price shop both to have the best chance of lowering rates.

Additional insurance information can be read below:

• Driving in Bad Weather (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Top Signs Your Brakes are Giving Out (State Farm)
• Comprehensive Coverage (Liberty Mutual)