1994 Kia Sephia Insurance Cost – 7 Tips for Best Prices

Searching for lower insurance coverage rates for your Kia Sephia? When looking for lower-cost insurance, are you confused by the crazy number of insurance coverage providers available to you? You have such a large number of options that it can be a real challenge to find the best prices.

Consumers need to do price comparisons occasionally because rates are constantly changing. Even if you got the best premium rates for Sephia insurance a few years ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. But car owners can benefit from knowing the way insurance companies price insurance differently because it can help you find the best coverage.

Finding insurance coverage

All the larger insurance coverage companies allow you to get coverage price quotes direct online. Getting prices online is fairly straightforward as you simply type in the coverage amounts you desire into the quote form. Upon sending the form, the company’s rating system sends out for your driving record and credit report and returns a price quote based on these factors.

This makes it simple to compare prices but the work required to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find the best price on insurance coverage.

The easiest way to lower your insurance coverage bill is to use a quote form that gets price quotes from more than one company. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier to do. Once the form is submitted, it gets priced and you can select any or none of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to get comparison pricing now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will have comparison quotes for the exact same coverage.

Are auto insurance companies telling the truth?

Well-known auto insurance companies like 21st Century, Allstate and State Farm consistently run television, radio, and online ads. They all seem to make the point that people will save if you change your coverage to them. How do they all cost less than your current company?

Most companies have an ideal profile for the type of insured that earns them a profit. A good example of a profitable customer might be described as over age 30, carries full coverage, and insures a new vehicle. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Insureds who fall outside the “perfect” profile will be quoted more expensive rates and this can result in the customer not purchasing. Company advertisements say “customers that switch” not “everyone who quotes” save that much money. This is how companies can make it sound like they have such great premium rates. This emphasizes why you really should get insurance quotes from several different companies. Because you cannot predict the company that will have the best car insurance rates.

Get cheaper auto insurance quotes with discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can help lower your rates. Many discounts should be triggered at the time of purchase, but some need to be inquired about before being credited.

  • Sign Early and Save – Select auto insurance companies give a discount for signing up prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
  • 55 and Retired – Drivers that qualify as senior citizens are able to get a small decrease in premiums for Sephia insurance.
  • Buy New and Save – Putting insurance on a new car is cheaper due to better safety requirements for new vehicles.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Defensive Driver Discounts – Taking part in a class that teaches defensive driver techniques could cut 5% off your bill if your company offers it.
  • Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

Don’t be surprised that many deductions do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Popular auto insurance companies and their offered discounts are detailed below.

  • State Farm may include discounts for Steer Clear safe driver discount, accident-free, multiple autos, good driver, and student away at school.
  • Farmers Insurance offers premium reductions for pay in full, homeowner, alternative fuel, multi-car, and early shopping.
  • Progressive offers discounts for homeowner, good student, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • Geico may offer discounts for daytime running lights, defensive driver, emergency military deployment, membership and employees, anti-theft, and anti-lock brakes.
  • Auto-Owners Insurance has discounts for anti-lock brakes, air bags, multi-policy, company car, teen driver, and mature driver.
  • The Hartford policyholders can earn discounts including good student, driver training, anti-theft, bundle, vehicle fuel type, air bag, and defensive driver.
  • Farm Bureau includes discounts for driver training, youthful driver, safe driver, multi-policy, and multi-vehicle.
  • USAA may have discounts that include family discount, multi-policy, safe driver, annual mileage, vehicle storage, loyalty savings, and defensive driver.

Before purchasing a policy, check with each company or agent the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. To see a list of insurers with discount auto insurance rates, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine if your situation might need professional guidance.

  • Does insurance cover damages from a DUI accident?
  • Is motorclub coverage worth it?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving in Canada or Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Does having multiple vehicles earn me a discount?
  • How much can I save by bundling my policies?
  • Am I covered when pulling a rental trailer?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance specifics

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, fire damage, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Sephia.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto liability

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, legal defense fees, loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your Sephia caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for prosthetic devices, EMT expenses, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Smart consumers save more

When buying insurance coverage, do not buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Consumers who switch companies do it for many reasons like delays in paying claims, not issuing a premium refund, delays in responding to claim requests or even policy cancellation. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

Budget-conscious 1994 Kia Sephia insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies don’t offer price quotes online and usually these small, regional companies prefer to sell through local independent agents.

More information