How Much Does 2006 Kia Sedona Insurance Cost?

Trying to find the cheapest insurance for your Kia Sedona could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to price shop coverage for a new or used Kia and find the cheapest rates.

It’s a good habit to take a look at other company’s rates periodically because prices trend upward over time. Despite the fact that you may have had the lowest price for Sedona coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because you’re about to learn how to use the internet to find better coverage at a better price.

Take discounts and save

Auto insurance companies don’t list all available discounts very well, so here is a list some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Sedona coverage than their less cautious counterparts.
  • Save over 55 – Older drivers may be able to get a discount up to 10% for Sedona coverage.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates on your policy for Sedona coverage.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Passive Restraints – Vehicles equipped with air bags can get savings of 20% or more.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies with discount auto insurance rates, click here to view.

Parts of the Kia Sedona rate equation

Smart consumers have a good feel for some of the elements that go into determining your insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better insurance rates.

  • What are your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Kia from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and burglary. The deductibles are the amount of money you are willing to pay before your insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Sedona coverage.
  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can get you a discount on your insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Better credit scores mean better rates – Having a bad credit history is a big factor in calculating your insurance rates. If your credit rating is not that good, you could save money insuring your 2006 Kia Sedona by improving your credit score. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Multiple policies with one company can save – Some insurance companies will award you with lower prices to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Drivers may still find a better deal by buying insurance from more than one company.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Safer cars result in less severe injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Kia Sedona has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Do you have enough liability coverage? – Liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Younger drivers pay higher rates – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance rates are much higher.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out whether or not you would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Do all my vehicles need collision coverage?
  • Why am I required to buy high-risk coverage?
  • When does my teenage driver need to be added to my policy?
  • What can I do if my company won’t pay a claim?
  • Where can I find DUI or SR-22 insurance?
  • Is my trailer covered?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage covers damage to your Sedona resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, falling objects, damage from getting keyed and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full 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 to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, ambulance fees and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not 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. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Take this to the bank

When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, questionable increases in premium or delays in responding to claim requests. No matter why you want to switch, finding a new company can be easier than you think.

Cheap 2006 Kia Sedona insurance is available on the web as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and these small, regional companies work with independent agents.

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