2018 Kia Sedona Insurance Rates – 9 Ideas for Best Quotes

Saving money on auto insurance may be very difficult for drivers new to buying insurance online. With so many agents and insurance companies available, it can easily turn into a difficult challenge to find a cheaper company.

You should take the time to compare prices once or twice a year because auto insurance prices are adjusted regularly by insurance companies. If you had the best quotes for Sedona insurance on your last policy you will most likely find a better rate today. You can find a lot of information about auto insurance on the internet, but in just a couple of minutes you can learn some tested techniques to lower your auto insurance bill.

Ways to get car insurance quotes

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company provides a quote based on the submitted data. This system prevents you from having to do quote requests for every car insurance company.

To enter your information into the quoting system, click to open in new window.

The only drawback to using this type of form is you don’t know exactly which insurance companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you compare the same coverages for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to make a fair rate comparison. Even a minor difference in coverages may result in large price differences. And when quoting car insurance, remember that comparing more rates from different companies increases the change that you will find a lower rate than you’re paying now.

Do drivers who switch really save?

Popular insurance providers such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies try to convey promises that you’ll save big if you move your policy. Is it even possible that every company can charge you less for car insurance? Here is the trick they use.

Most companies have an ideal profile for the type of driver they prefer to insure. For instance, this type of driver could be a female over age 40, carries full coverage, and has excellent credit. Any person that matches those criteria will get low rates and have a good chance to pay quite a bit less when switching companies.

Potential customers who fall outside the ideal profile may be forced to pay higher premiums which leads to the customer not purchasing. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can advertise the way they do. This really emphasizes why you should do a quote comparison often. It’s impossible to know which insurance companies will give you lower rates than your current company.

Do you qualify for these nine discounts?

Companies don’t always advertise every disount available in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts that may be available.

  • No Claims – Good drivers with no accidents pay less in comparison with insureds who have frequent claims or accidents.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Sedona insurance with select insurance companies.
  • Telematics Devices – Insureds that choose to allow their insurance company to spy on driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if their driving habits are good.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more for Sedona insurance than their less cautious counterparts.
  • Discount for Multiple Policies – When you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.
  • Homeowners Pay Less – Owning a house can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Smart Student Discounts – This discount can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.

If you would like to choose from a list of auto insurance companies that have a full spectrum of discounts, click this link.

Don’t assume everyone needs the same insurance coverage

When choosing the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Am I missing any policy discounts?
  • Why am I required to buy liability insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when making deliveries for my home business?
  • Do I need motorclub coverage?
  • Should I get collision insurance on every vehicle?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This can cover damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, structural damage, funeral expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, falling objects, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as hospital visits, pain medications, chiropractic care, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your Sedona resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as rolling your car, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

One last thing

Budget-friendly car insurance is definitely available online as well as from insurance agents, so you need to shop insurance coverage with both to get a complete price analysis. There are still a few companies who may not offer rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

You just learned some good ideas how you can shop for 2018 Kia Sedona insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

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Comments About 2018 Kia Sedona Insurance

  1. Katelin Guerra

    Here’s my info. Lifelong resident of Norman, Oklahoma. Quoted quotes from GEICO, American Family, and Farmers for my 2018 Kia Sedona and saved $103 a year. Was with Hartford. Teenage drivers are expensive! :P

  2. Luella Miranda

    Hope my rates come down. Found cheapest coverage with 21st Century for my Kia and am saving around $280 a year.

  3. Dorathy Mccarty

    All companies are crooks. Live in the eastern part of Tacoma, Washington. Received quotes from Progressive, Hanover, and Esurance for my 2018 Kia Sedona and I think I cut my rates about $30 each month. I have a teen driver too.

  4. Audra Orr

    State Farm is decent in Newark, NJ.

  5. Caryl Campbell

    Progressive and State Farm were both pretty cheap in Houston, TX.