2016 Kia Sedona Insurance Cost – 7 Savings Tips

Want the cheapest car insurance rates for your Kia Sedona? Do you get exhausted from sacrificing to pay car insurance each month? Your situation is no different than many other consumers.

There are many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it makes it harder to find the best rates for your vehicles.

Buying car insurance is quite easy. If you have car insurance now, you will most likely be able to save some money using these methods. Although consumers need to have an understanding of the methods companies use to sell insurance online and apply this information to your search.

Quote insurance online

When looking for inexpensive car insurance quotes, there are a couple ways of comparing rate quotes from companies that offer insurance in your state. By far the easiest way to find cheaper 2016 Kia Sedona rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  • The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This style of form keeps you from doing separate quote forms for each company. In just a few minutes this one form gets you coverage quotes from several companies.
  • A different way to analyze rates is to take the time to go to the website of each company and fill out a new quote form. For examples sake, we’ll assume you want to compare rates from Farmers, 21st Century and GMAC. To get rate quotes you would need to go to every website and repeatedly enter your information, which is why first method is reommended.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you compare the exact same coverage limits and deductibles with every price quote. If you use mixed coverages it’s impossible to make a fair comparison for your Kia Sedona. Slightly different insurance coverages or limits may result in a large different in cost. Just remember that comparing more quotes helps you find more affordable rates.

These seven discounts can lower insurance coverage rates

Insurance coverage is easily one of your largest bills, but you can get discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but a few must be specially asked for in order for you to get them.

  • Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles with the same insurance coverage company can reduce rates for all insured vehicles.
  • ABS Brakes – Vehicles equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
  • Online Discount – A handful of companies may give you up to $50 for buying your policy on their website.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one company you may save nearly 15% which can help you find low cost car insurance.
  • Discounts for New Vehicles – Insuring a new car can cost up to 25% less since newer vehicles are generally safer.
  • No Claim Discounts – Good drivers with no accidents pay less compared to insureds who have frequent claims or accidents.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky. But any discount should definitely cut your overall bill.

A list of companies and a summarized list of policyholder discounts can be read below.

  • Progressive discounts include continuous coverage, good student, multi-policy, homeowner, online quote discount, and multi-vehicle.
  • Farmers Insurance may have discounts that include good student, switch companies, business and professional, mature driver, alternative fuel, homeowner, and bundle discounts.
  • Farm Bureau policyholders can earn discounts including good student, multi-policy, 55 and retired, renewal discount, driver training, and safe driver.
  • State Farm offers discounts for multiple autos, multiple policy, passive restraint, student away at school, and good driver.
  • Geico may offer discounts for daytime running lights, federal employee, anti-theft, good student, driver training, multi-vehicle, and air bags.
  • SAFECO includes discounts for multi-car, teen safety rewards, accident prevention training, bundle discounts, and safe driver.
  • Liberty Mutual offers premium reductions for preferred payment discount, new move discount, newly married, multi-car, teen driver discount, and new graduate.

Before buying, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not be offered in your state. For a list of insurance coverage companies with significant discounts, follow this link.

When do I need an agent’s advice?

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation could use an agent’s help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is my state a no-fault state?
  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Am I covered when driving on a suspended license?
  • What is roadside assistance coverage?
  • If my 2016 Kia Sedona is totaled, can I afford another vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, pain medications, nursing services, surgery and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, falling objects and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with a tree, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance

Liability coverage can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

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 commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as structural damage, court costs, medical expenses, funeral expenses and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Kia Sedona.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Save for a rainy day

Lower-priced car insurance is available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through local independent agents.

You just read some good ideas how you can shop for 2016 Kia Sedona insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best rates are with some of the lesser-known companies. Regional companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

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