Compare 2015 Kia Sedona Car Insurance Cost

Trying to find better car insurance rates for your Kia Sedona? Expensive car insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to lower your monthly bill.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

Consumers should take time to compare prices quite often due to the fact that insurance rates trend upward over time. Just because you had the lowest rates for Sedona insurance last year you may be paying too much now. Starting now, block out anything you think you know about car insurance because you’re about to learn the right way to reduce your cost while increasing coverage.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Nevertheless, car owners need to have an understanding of how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to Buy Insurance Online

There are several ways to compare Kia Sedona insurance quotes, and some are less time-consuming than others. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Most of the larger companies participate in a marketplace that enables customers to send in one quote, and every company returns a competitive quote based on that information. This eliminates the need for form submissions for each company you want a rate for. To find out how much you can save on insurance click here to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose the providers to receive prices from. So if you prefer to pick specific providers to compare rates, we have assembled a list of companies who write insurance in your area. Click here to view list.

Whichever way you use, compare the exact same coverages with every price quote. If the quotes have mixed coverages it will be next to impossible to find the best deal for your Kia Sedona. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, quoting more provides better odds of finding the best price.

Save with discounts on 2015 Kia Sedona insurance

Companies that sell car insurance don’t always list all their discounts very well, so we researched both the well known and the harder-to-find discounts you could be receiving.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on insurance coverage for Sedona insurance.
  • New Car Discount – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Early Switch Discount – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To see a list of insurers who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are rental cars covered under my policy?
  • Who is covered when they drive my 2015 Kia Sedona?
  • Am I insured when driving a different vehicle?
  • Exactly who is provided coverage by my policy?
  • What vehicles should carry emergency assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverages and their meanings

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2015 Kia Sedona.

Since a lot of 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 should not be overlooked.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane and a broken windshield. The most 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.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like X-ray expenses, EMT expenses, pain medications and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage


Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, court costs, medical services and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision protection

Collision coverage covers damage to your Sedona from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.