Cheaper 1997 Kia Sephia Car Insurance Cost

Trying to find better auto insurance rates for your Kia Sephia? Locating lower-cost auto insurance on the web may seem to be overwhelming for consumers new to online price comparisons. With a ridiculous number of online companies available, how can you even start to compare every company to locate better prices?

How to lower your car insurance cost

There are a lot of ways you can shop for car insurance but some are less labor-intensive and much quicker. You could spend your day talking about coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that information. This prevents consumers from doing quote requests for every car insurance company.

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The one downside to using this type of form is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select specific insurance companies to compare, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare identical coverages and limits for every company. If each company quotes different coverage information it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, comparing all the rates in your area helps you find the best offered rates.

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Will you really save $404 on insurance coverage?

Well-known insurance coverage companies like State Farm, Geico and Progressive regularly use ads on TV and radio. They all seem to make the same claim that drivers can save some big amount just by moving to them. How can each company say the same thing? It’s all in the words they use.

Most companies have specific criteria for the right customer that is profitable for them. A good example of this type of driver might be between 30 and 50, has never had a policy lapse, and has excellent credit. A driver who fits that profile receives the best car insurance rates and will cut their rates substantially.

Drivers who are not a match for this ideal profile will be quoted higher rates which results in business going elsewhere. The ads state “customers who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that. Because of these techniques, drivers must compare many company’s rates. It is just not possible to predict which insurance coverage company will have the best prices.

Learn how to lower your insurance costs

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that help determine your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower rates.

The itemized list below are just a few of the factors used by your company to calculate your rates.

A lpolicy lapse is a bad thing – Driving with no insurance can get you a ticket and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, getting caught without coverage will get you a license revocation or jail time.
Improve your credit score and save – Credit rating can be an important factor in determining your rates. Drivers who have excellent credit tend to be better risks to insure as compared to drivers with bad credit. If your credit rating can be improved, you could save money insuring your 1997 Kia Sephia by repairing your credit.
Qualify for multi-policy discounts – Lots of insurance companies afford lower prices to insureds who buy several policies from them in the form of a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, drivers will still want to shop around to help ensure you have the lowest rates. It’s possible to still find better rates by buying insurance coverage from a different company.
Urban residents pay more – Being located in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Fewer people translates into fewer accident claims and a lower car theft rate. People in densly populated areas have traffic congestion and longer commutes to work. Longer commute distances means a statistically higher chance of an accident.

Insurance Coverage Discounts

Companies that sell car insurance do not list their entire list of discounts in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known credits available to you. If you’re not getting every credit you qualify for, you are just wasting money.

Government Employee Discount – Active or retired federal employment could cut as much as 10% off for Sephia coverage with some insurance coverage companies.
Military Discounts – Having a family member in the military can result in better insurance coverage rates.
Distant College Student Discount – Older children living away from home attending college without a vehicle on campus could get you a discount.
No Claim Discounts – Drivers with accident-free driving histories can earn big discounts as opposed to accident-prone drivers.
Student Discounts – Excelling in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

Please keep in mind that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, nobody gets a free ride.

A list of companies and some of their more popular discounts can be found below.

State Farm offers discounts including Drive Safe & Save, anti-theft, Steer Clear safe driver discount, accident-free, passive restraint, and defensive driving training.
Farmers Insurance offers premium reductions for pay in full, business and professional, youthful driver, multi-car, mature driver, and alternative fuel.
Geico may have discounts that include anti-theft, multi-vehicle, daytime running lights, seat belt use, military active duty, air bags, and good student.
American Family may offer discounts for good driver, TimeAway discount, Steer into Savings, mySafetyValet, early bird, accident-free, and good student.
Nationwide may include discounts for Farm Bureau membership, anti-theft, business or organization, multi-policy, good student, defensive driving, and family plan.
Progressive has discounts for continuous coverage, online quote discount, good student, multi-vehicle, online signing, homeowner, and multi-policy.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Savings may not be available in every state. If you would like to see a list of insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

Do I need motorclub coverage?
When should my teen driver be added to my policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Why am I required to get a high-risk car insurance policy?
How much liability do I need to cover my assets?
Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, hitting a bird, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, EMT expenses, pain medications and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like pain and suffering, attorney fees and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Sephia caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, colliding with a tree, driving through your garage door, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. 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. So UM/UIM coverage is a good idea.

One last thing about your coverage

When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage and learned later that they should have had better coverage. Your focus should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

Insureds who switch companies do it for a number of reasons such as high prices, an unsatisfactory settlement offer, not issuing a premium refund and lack of trust in their agent. Regardless of your reason, finding a new insurance coverage company can be easy and end up saving you some money.

There are still a few companies who may not have internet price quotes and most of the time these small, regional companies prefer to sell through local independent agencies. Budget-friendly insurance coverage can be found online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

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