2012 Kia Sedona Car Insurance Rates

Sick and tired of paying out the nose to pay your car insurance bill each month? You are no different than many other consumers.

Insurance companies such as State Farm, Allstate, Geico and Progressive continually bombard you with ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

The method we recommend to get policy rate comparisons is to realize all the major auto insurance companies will pay a fee to give rate comparisons. The one thing you need to do is spend a couple of minutes providing details such as if a SR-22 is required, if it has an alarm system, whether you drive to work or school, and the type of vehicles you drive. The data gets transmitted to insurance carriers in your area and you receive quotes with very little delay.

To get price quotes for your Kia Sedona , click here and complete the quick form.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I really need UM/UIM coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as prosthetic devices, hospital visits, ambulance fees, nursing services and surgery. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage

This coverage can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Auto collision coverage

This will pay to fix damage to your Sedona resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.