1997 Kia Sephia Insurance Quotes – 5 Tips for Best Rates

Have you fallen victim to an overpriced insurance coverage policy? Trust us, you are not the only one feeling buyer’s remorse.

There are many insurers to choose from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

Vehicle Insurance Comparison

There are several ways of comparing rates and find the best price. The recommended way to find competitive 1997 Kia Sephia insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do repetitive form entry for each company you want a rate for. A single, simple form gets you coverage quotes from many national carriers.
  • A different way to shop for insurance coverage online requires a trip to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll pretend you want to compare Farmers, Progressive and State Farm. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The hardest method to compare rates is driving to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional guidance only provided by licensed agents. However, consumers can compare the best prices online and get advice from an agent in your area and you’ll learn how to do that later.

However you get your quotes, make absolute certain that you use apples-to-apples coverages and limits for each comparison quote. If your comparisons have different liability limits it will be next to impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in large price differences. Just keep in mind that quoting more helps locate the best offered rates.

Don’t pay full price with these five discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you complete an application, but lesser-known reductions have to be manually applied before you get the savings.

  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Memberships – Being a member of certain professional organizations could qualify you for a break when shopping for car insurance on Sephia coverage.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut your premiums.

To see a list of insurers offering car insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if I hit a deer?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need roadside assistance coverage?
  • Should I buy additional glass protection?
  • Can I afford low physical damage deductibles?
  • Am I covered when using my vehicle for business?
  • Am I better off with higher deductibles on my 1997 Kia Sephia?
  • Can I get a multi-policy discount?

If you can’t answer these 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, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage ads bend the truth

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies make an identical promise that you’ll save big if you change to them. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the driver that earns them a profit. An example of a desirable insured might be a mature driver, is a homeowner, and has great credit. A propective insured who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who do not match the “perfect” profile will be charged a higher premium which usually ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save money. That is how companies can truthfully make the claims of big savings.

That is why drivers must get as many quotes as possible. Because you never know which company will provide you with the cheapest Kia Sephia insurance rates.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Collision coverage protection

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

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, emergency aid and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, vandalism and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Kia Sephia.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Buy Smart and Save

Throughout this article, we presented some good ideas how to get a better price on 1997 Kia Sephia insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Low-cost insurance is available on the web as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

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