How Much Does 2003 Kia Sedona Car Insurance Cost?

Have you fallen victim to an overpriced auto insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Because there are so many online and local companies to choose from, it can be impossible to choose the right company.

It’s a good idea to get comparison quotes once or twice a year since insurance rates are usually higher with each renewal. If you had the best rates for Sedona insurance two years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about auto insurance because I’m going to teach you the easiest way to properly buy coverages and cut your premium.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied at quote time, but a few must be manually applied before you will receive the discount. If you’re not getting every credit possible, you’re paying more than you need to.

  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Sedona insurance than less cautious drivers.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • College Student – Children who are attending college and don’t have a car may qualify for this discount.
  • Homeowners Pay Less – Owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will help reduce your premiums.

Insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Discounts may not apply everywhere.

Insurance agents can help

When choosing the best insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • What is high-risk coverage and where do I buy it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Where can I get insurance after a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • Do I need roadside assistance coverage?
  • Am I better off with higher deductibles on my 2003 Kia Sedona?
  • Is my nanny covered when driving my vehicle?
  • What can I do if my company denied a claim?
  • When should I not file a claim?
  • When would I need rental car insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, funeral costs, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, 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 values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, court costs, legal defense fees 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 covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage, hitting a deer, hitting a bird and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

What is YOUR best insurance company?

In this article, we covered many ways to shop for 2003 Kia Sedona insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Much more information about auto insurance is available on the following sites: