2000 Kia Sephia Car Insurance Quotes – 8 Policy Discounts

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers.

Because there are so many options, it’s nearly impossible to find the best car insurance company.

Where Can I Get Cheap Insurance Coverage?

The are a couple different ways to compare quotes from local insurance coverage companies. The quickest method to find the lowest 2000 Kia Sephia rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotation requests for each company you want a rate for. One form will return quotes from multiple companies.
  2. A different way to get quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For example, we’ll pretend you want to compare Allstate, Geico and State Farm. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The least recommended way to compare rates is to spend your day driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. It is possible to find lower rates online but still have the advice of a local agent and we’ll cover that in a bit.

However you get your quotes, make darn sure you compare apples-to-apples coverage limits on every quote. If the quotes have different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Kia Sephia. Having just a slight variation in coverages could mean much higher rates. And when comparing insurance coverage rates, know that comparing a large number of companies provides better odds of finding lower pricing.

Discounts on Kia Sephia insurance

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some trigger automatically at quote time, but a few need to be specially asked for before they will apply.

  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Government Employees – Active or retired federal employment can save as much as 8% for Sephia coverage with select insurance companies.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up digitally online.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.

It’s important to understand that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. But any discount will reduce your premiums.

To see a list of insurers with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out whether your personal situation may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • What vehicles should carry emergency assistance coverage?
  • What can I do if my company won’t pay a claim?
  • Is my cargo covered for damage or theft?
  • I have health insurance so do I need medical payments coverage?
  • How high should my medical payments coverage be?
  • What exactly is covered by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverage specifics

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, hitting a bird and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses for things like rehabilitation expenses, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Sephia.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Collision – Collision coverage covers damage to your Sephia caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

At the end of the day…

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. In many instances, someone dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Affordable 2000 Kia Sephia insurance can be purchased both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

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