2014 Kia Sedona Insurance Rates – 10 Tricks for Best Quotes

Trying to find the cheapest insurance coverage rates for your Kia Sedona? Saving money on insurance coverage is hard for consumers new to comparing rates online. There are so many options available that it can easily become more work than you anticipated to find the best price.

You need to do rate comparisons quite often due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest rates for Sedona coverage a couple years back other companies may now be cheaper. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Finding the best protection can be fairly easy. But consumers do need to know the methods companies use to price online insurance and take advantage of how the system works.

The easiest way to compare policy rates is to know the fact almost all companies allow for online access to give you rate quotes. To begin a comparison, all you need to do is provide details including if you require a SR-22, what you do for a living, whether you are married, and the make and model of your vehicles. Your details gets sent immediately to many of the top insurers and you get price estimates very quickly.

Insurance ads bend the truth

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing that you can save after switching your policy. But how can every company make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer could possibly be a mature driver, owns a home, and has a short commute. Any new insured who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Drivers who do not match the requirements will be charged a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “people who quote” save that much money. That’s the way companies can truthfully advertise the way they do. That is why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which insurance company will give you the biggest savings on Kia Sedona insurance.

Pay less by taking advantage of these ten discounts

Car insurance companies do not advertise every available discount very clearly, so the following is a list of some of the more common and also the lesser-known insurance coverage savings.

  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Sedona coverage than less cautious drivers.
  • Student in College – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Accident Free – Claim-free drivers can save substantially as compared to frequent claim filers.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Sedona coverage depending on your company.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies who might offer these benefits are:

Double check with all companies you are considering how you can save money. Discounts may not apply in every state.

Your coverage should be tailored to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions may help highlight whether you might need an agent’s assistance.

  • What is the difference between comprehensive and collision coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my trailer covered?
  • Is my custom paint covered by insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy coverages for a Kia Sedona

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Kia Sedona.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

This will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $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 coverage protects against things like legal defense fees, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, dental work, EMT expenses, surgery and pain medications. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop around and save

Cost effective 2014 Kia Sedona insurance is possible both online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

You just read many ideas to compare insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from an unexpected company.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

To read more, feel free to visit the articles below: