2018 Kia Sedona Insurance Quotes – 5 Tricks for Cheaper Rates

When shopping for cheaper insurance, are you baffled by the wide range of insurance sources? Many other drivers are too. You have so many options that it can be a real difficult job to find a more affordable company.

It’s a good idea to compare premium rates at least once a year because prices go up and down regularly. Even if you think you had the best deal on Sedona insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you the tricks you need to know to save on insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Finding affordable insurance is quite easy. But vehicle owners need to learn how companies sell online and use this information to your advantage.

The easiest way to compare insurance rates from multiple companies is to know most insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is provide a little information such as if a SR-22 is needed, whether the vehicles are used for commuting, the year, make and model of vehicles, and if you are currently licensed. That rating information gets transmitted to multiple companies and they provide comparison quotes very quickly.

Do you really save 40% when you switch?

Auto insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads advertise the message about how much you will save if you just switch your coverage. How do they all offer you a better deal?

Many companies have an ideal profile for the right customer that earns them the highest profit. An example of a driver they prefer should be over the age of 45, owns a home, and the vehicle is rated for pleasure use. A customer getting a price quote that fits those parameters receives the best prices and will save some money.

Consumers who do not meet these stringent criteria will probably be forced to pay a higher rate which leads to business going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save money. This is how companies can advertise the savings. This emphasizes why it’s extremely important to do a quote comparison often. Because without a comparison, you cannot know the company that will have the best prices.

Five discounts for cheap insurance coverage rates

Some providers don’t necessarily list all their discounts very well, so the list below contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Responsible Drivers – Drivers without accidents could pay up to 40% less on Sedona insurance than less cautious drivers.
  • Defensive Driving Course – Participating in a course teaching defensive driving skills can save you 5% or more and easily pay for the cost of the class.
  • Telematics Discount – Drivers who elect to allow data collection to spy on driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Multiple Cars – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.

Just know that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Companies and their offered discounts are outlined below.

  • State Farm has savings for passive restraint, accident-free, driver’s education, student away at school, good student, and good driver.
  • American Family offers discounts including multi-vehicle, early bird, defensive driver, bundled insurance, and TimeAway discount.
  • AAA offers discounts for anti-theft, education and occupation, pay-in-full, multi-car, good student, good driver, and AAA membership discount.
  • Geico has discounts for membership and employees, air bags, anti-theft, emergency military deployment, multi-policy, anti-lock brakes, and military active duty.
  • Mercury Insurance policyholders can earn discounts including good student, ease of repair, multi-policy, location of vehicle, accident-free, and type of vehicle.
  • Farmers Insurance may offer discounts for good student, multi-car, teen driver, electronic funds transfer, and switch companies.
  • Progressive may have discounts that include continuous coverage, multi-policy, online quote discount, online signing, multi-vehicle, good student, and homeowner.

When quoting, ask all the companies which discounts you qualify for. Some discounts may not apply to policyholders in your area.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • What exactly is covered by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Does having multiple vehicles earn me a discount?
  • What are the best liability limits?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Learn about insurance coverages for a Kia Sedona

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, nursing services, chiropractic care, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This will pay to fix damage to your Sedona resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb, rolling your car, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Kia Sedona.

Since many drivers 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 important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like attorney fees, emergency aid, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a money saver!

You just read a lot of techniques to shop for 2018 Kia Sedona insurance online. The key thing to remember is the more companies you get car insurance rates for, the better likelihood of getting affordable car insurance. You may be surprised to find that the most savings is with the smaller companies.

Lower-priced auto insurance is definitely available online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced full coverage only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

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