1995 Kia Sephia Car Insurance Quotes – 5 Ideas for Best Rates

Shoppers have lots of choices when shopping for affordable Kia Sephia insurance. They can either waste time driving around getting price quotes or save time using the internet to compare rates. There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to price shop coverage on a Kia and locate the best price possible from both online companies and local agents.

Discounts to lower Kia Sephia insurance rates

Companies don’t always list all available discounts very well, so we researched both the well known and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you are throwing money away.

  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that may have these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available in your area.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I missing any policy discounts?
  • Am I covered when driving on a suspended license?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage will pay to fix damage to your Sephia caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability

This will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane, a broken windshield and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Kia Sephia.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

More effort can pay off

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cost effective 1995 Kia Sephia insurance is available on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

People who switch companies do it for a variety of reasons including delays in responding to claim requests, high prices, lack of trust in their agent or even questionable increases in premium. Regardless of your reason, finding a new car insurance company is not as difficult as it may seem.

Other learning opportunities