View 2018 Kia Sedona Insurance Rates

Scraping up a payment for overpriced Kia Sedona insurance can bottom out your savings account and force you to cut corners elsewhere. Comparing cost estimates is recommended to ensure you are getting the best deal.

You have multiple car insurance companies to buy insurance from, and even though it’s nice to have a selection, more options can take longer to locate the cheapest rates.

Buying the cheapest car insurance is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use this information to shop for the lowest rates while maintaining coverages. Drivers just need to know the proper way to compare rates over the internet.

How to find low cost auto insurance

Lowering your 2018 Kia Sedona auto insurance rates is a great way to save money. You just have to spend a little time to compare free car insurance quotes to discover which company has the cheapest car insurance quotes. It’s really simple and can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms to each individual auto insurance company. Just one form gets prices estimates from multiple low-cost companies.
  2. A more difficult way to compare prices requires a visit to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to see prices from Progressive, Allstate and Farmers. You would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The most difficult way to find and compare rates is actually driving to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless your situation requires the guidance only provided by licensed agents. Some companies do allow you to get the lowest quotes online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just make sure you use the exact same coverage limits for each quote you get. If you are comparing different liability limits it’s not possible to determine which company has the best rates.

Car insurance policy discounts you can’t miss

Car insurance is expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Some trigger automatically when you purchase, but some discounts are required to be asked for before they will apply.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Resident Student – College-age children who live away from home to go to college and do not have a car could qualify for this discount.
  • Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% off PIP or medical payments premium.
  • Driver Safety – Passing a driver safety course could save 5% or more and make you a better driver.
  • No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as compared to drivers who are more careless.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
  • Multi-Vehicle Discounts – Insuring multiple cars or trucks with the same car insurance company can reduce rates for all insured vehicles.
  • Homeowners Discount – Just owning your own home may trigger a policy discount on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Early Signing – A few larger companies allow discounts for renewing your policy before your current expiration date. It could save around 10% when you buy car insurance online.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.

You can save money using discounts, but many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

Some of the larger companies that may offer policyholders some of the above discounts may include but are not limited to:

Before buying, ask every company how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your area. To see insurers who offer car insurance discounts, click this link.

Insurance agents can help

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Is business equipment covered while in my vehicle?
  • Is my 2018 Kia Sedona covered for flood damage?
  • What are the best liability limits?
  • How many claims can I have before being cancelled?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Insurance policy coverages for a Kia Sedona

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Kia Sedona.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims like pain and suffering, loss of income, repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision – Collision insurance will pay to fix damage to your Sedona from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, 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.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, EMT expenses, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a deer, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

A little work can save a LOT of money

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

Some insurance providers don’t offer online rate quotes and many times these smaller providers only sell coverage through local independent agencies. The cheapest 2018 Kia Sedona insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture.

Additional insurance coverage information is available below: