View 2003 Kia Sedona Insurance Quotes

Comparison shopping for insurance is always difficult for consumers not familiar with buying insurance online. There are so many choices that it can quickly become a big hassle to compare prices.

You need to price shop coverage periodically due to the fact that insurance rates trend upward over time. If you had the lowest rates for Sedona insurance last year a different company probably has better rates today. You can find a lot of misleading information regarding insurance on the internet, so we’re going to give you some solid techniques on how to stop overpaying for insurance.

Do you qualify for discounts?

Companies offering auto insurance do not list every discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Senior Citizens – Mature drivers may be able to get better insurance rates for Sedona insurance.
  • Multi-policy Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Accident Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply until age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

For a list of providers with the best insurance discounts, click here to view.

Factors determining your Kia Sedona insurance premium

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • More people means more accidents – Being located in less populated areas has it’s advantages when buying auto insurance. Less people living in that area means fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have congested traffic and longer commute times. Longer commute distances means more change of being in an accident.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Kia Sedona earned at least four stars on Safercar.gov you may qualify for a discount.
  • One company can mean more discounts – The majority of insurers give discounts to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Being married can save on auto insurance – Being married can get you a discount on your policy. It translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Little extras can really add up – There are many extra bells and whistles you can purchase on your auto insurance policy. Insurance for rental car reimbursement, better glass coverage and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Protect your assets with liability insurance – Liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Men fork out a little more – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but men cause more damage. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • Can my babysitter drive my car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why do I only qualify for high-risk insurance?
  • Is my custom paint covered by insurance?
  • Do I need more liability coverage?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Save $447 a year? Really?

Companies like Geico, State Farm and Progressive continually stream television and radio advertisements. All the ads make the same claim that you’ll save big after switching your coverage to them. But how can every company say the same thing?

Insurance companies can use profiling for the right customer they prefer to insure. For example, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile must pay a more expensive rate which usually ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That’s why companies can advertise the savings. This illustrates why you need to compare many company’s rates. It’s just too difficult to predict the company that will have the lowest Kia Sedona insurance rates.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like funeral costs, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage, fire damage and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for collisions

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

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Kia Sedona.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Feed the piggy bank

Cheaper 2003 Kia Sedona insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for a number of reasons such as not issuing a premium refund, unfair underwriting practices, being labeled a high risk driver and lack of trust in their agent. Regardless of your reason, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

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