Lower Your 1996 Kia Sephia Insurance Rates

Looking for better auto insurance rates for your Kia Sephia? Having to pay for pricey Kia Sephia insurance can dry up your savings account and force you to prioritize other expenses. Doing a rate analysis is a fast and free way to lower your monthly bill.

Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate promote their brand names with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

It’s smart to check auto insurance prices yearly because insurance prices change regularly. If you had the best rates for Sephia insurance a year ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

Discounts for lower-cost auto insurance rates

Some insurance providers don’t list the entire discount list very clearly, so the next list breaks down a few of the more well known and the harder-to-find credits that may apply to you. If you check and find you aren’t receiving every discount available, you could be saving more on your auto insurance.

  • Lower Rates for Military – Having a deployed family member could mean lower auto insurance rates.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Paperwork-free – Some companies will provide an incentive shop car insurance on your computer.
  • Telematics Devices – Drivers who agree to allow data collection to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they are good drivers.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Accident Waiver – Not really a discount, but companies like Progressive, Allstate, and Geico permit an accident before raising your premiums as long as you don’t have any claims before the accident.
  • Senior Citizens – Older drivers may receive reduced rates for Sephia insurance.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way.

Companies who might offer some of the discounts shown above include:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts listed above may not be available in your area. If you would like to see a list of insurers with the best discounts, click this link.

Decisions you make can impact your insurance rates

It’s important that you understand a few of the rating criteria that play a part in calculating the price you pay for insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that could result in lower insurance prices. Lots of factors are considered when premium rates are determined. Some are obvious such as traffic violations, although others are more obscure like your continuous coverage or your vehicle rating.

Shown below are a partial list of the pieces utilized by car insurance companies to help set prices.

  • Low deductibles mean high costs – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims could be colliding with a stationary object, vandalism, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for Sephia insurance.
  • Higher premiums for specific employers – Careers such as real estate brokers, business owners and emergency personnel usually pay higher rates than average attributed to high stress levels and incredibly demanding work hours. On the flip side, occupations like professors, engineers and the unemployed get better rates for Sephia insurance.
  • Costs and your address – Residing in areas with lower population has it’s advantages when it comes to insurance. Fewer drivers means fewer accidents in addition to fewer liability claims. Drivers in populated areas tend to have more road rage incidents and longer commute times. More time commuting statistically corresponds to a higher accident and claim rate.
  • Bundle policies with the same company – Most larger insurers provide discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to check prices from other companies to help ensure you have the lowest rates. It’s possible to still find lower rates by buying from different companies
  • High premiums for teen drivers – More experienced drivers have been proven to be more responsible, file fewer claims , and are generally more financially stable.Teen drivers are statistically proven to be less responsible behind the wheel so insurance rates are higher.
  • Liability limits on your policy – The liability section of your policy is the protection when you are ruled to be at fault for personal injury or accident damage. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

You may need specialized insurance coverage coverage

When buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • When should I remove comp and collision on my 1996 Kia Sephia?
  • Should I buy additional glass protection?
  • What is high-risk coverage and where do I buy it?
  • What is the minimum liability in my state?
  • Should I bundle my homeowners policy with my auto?
  • Can I afford to pay high deductible claims out of pocket?
  • Are split liability limits better than a combined single limit?
  • If my 1996 Kia Sephia is totaled, can I afford another vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Insurance specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Kia Sephia.

Because many people 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.

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, chiropractic care, surgery, nursing services and dental work. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, funeral expenses, pain and suffering, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverages – Collision insurance will pay to fix damage to your Sephia caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage on a shoestring budget

There are still a few companies who do not provide online quoting and usually these smaller providers sell through local independent agencies. More affordable auto insurance is possible from both online companies and from local agencies, so you need to compare both in order to have the best chance of saving money.

In this article, we covered some good ideas how you can shop for 1996 Kia Sephia insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding inexpensive car insurance. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. They may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

Additional auto insurance information is available at these links: