Compare 1998 Kia Sephia Car Insurance Rates

Trying to find lower car insurance rates for your Kia Sephia? Did a good deal turn into overpriced car insurance? Don’t feel bad because there are many drivers thinking the same thing.

You have so many insurers to pick from, and even though it’s nice to have a choice, too many choices makes it more difficult to adequately compare rates.

It’s important to check car insurance prices before your policy renews because insurance rates are constantly changing. If you had the lowest rate on Sephia coverage two years ago you can probably find a lower rate today. There are lots of tips to save on car insurance out there, but in a few minutes you can learn the easiest ways to reduce your car insurance bill.

Choosing the best insurance company for you is not that difficult. Just about anyone who carries insurance will most likely be able to cut their insurance bill. Although car owners must comprehend the methods companies use to price insurance differently and use this information to your advantage.

Compare insurance quotes

To find affordable car insurance quotes, there are several ways of comparing rate quotes from all the different companies. The easiest way to comparison shop is to get quotes online. This is very easy and can be done in a couple of different ways.

  • The single most time-saving way to find low rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate forms for every company. Taking the time to complete one form gets you coverage quotes from several companies.
  • A more time consuming way to get quotes online is going to each company website and go through the quote process again. For example, let’s say you want to get rates from Geico, Esurance and State Farm. To get each rate you have to go to every website to input your insurance information, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

  • The hardest way to price shop rates is to spend your day driving to each insurance agency near you. Quoting and buying insurance online makes this unnecessary unless you have a need for the trained guidance of a local agency. Drivers can comparison shop online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just do your best to enter the same information for every company. If you are comparing differing limits it will be next to impossible to determine the lowest rate for your Kia Sephia. Even a minor difference in coverage limits may result in large price differences. And when comparing insurance rates, know that comparing a large number of companies will enable you to find a better price.

Auto insurance discounts are available to slash your rates

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit.

  • Low Mileage Discounts – Low annual miles may enable drivers to earn substantially lower prices.
  • Defensive Driver Discount – Taking part in a safe driver course could save 5% or more and make you a better driver.
  • Renewal Discounts – Some companies provide a discount for buying a new policy prior to your current policy expiration. The savings is around 10%.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount on your next renewal.
  • College Student – Kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Auto/Home Discount – If you have multiple policies with the same company they may give you a discount of as much as 10 to 15 percent.
  • Responsible Driver Discount – Drivers without accidents may save up to 50% more on Sephia coverage compared to rates paid by drivers with frequent claims.
  • Air Bags and Passive Restraints – Vehicles with factory air bags may qualify for discounts as much as 30%.
  • Paper-free Discount – Many larger companies will give you a small discount for completing your application over the internet.
  • Include Life Insurance and Save – Some auto insurance companies give a break if you buy a life policy as well.

We need to note that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, you aren’t that lucky.

Companies and the discounts they provide can be found below.

  • Geico has discounts for five-year accident-free, federal employee, seat belt use, daytime running lights, defensive driver, air bags, and anti-theft.
  • SAFECO may include discounts for anti-theft, teen safety rewards, homeowner, teen safe driver, multi-car, and safe driver.
  • State Farm discounts include passive restraint, anti-theft, multiple autos, safe vehicle, and good student.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, good driver, defensive driver, accident-free, good student
  • 21st Century offers premium reductions for automatic seat belts, early bird, theft prevention, driver training, homeowners, 55 and older, and anti-lock brakes.
  • Progressive may have discounts that include multi-policy, continuous coverage, good student, multi-vehicle, and homeowner.

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not be available in your area. For a list of auto insurance companies that offer discounts, click here to view.

Everyone needs different car insurance coverages

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?
  • Should I bundle my homeowners policy with my auto?
  • Is there coverage for injuries to my pets?
  • How much liability insurance is required?
  • Are all vehicle passengers covered by medical payments coverage?
  • How high should deductibles be on a 1998 Kia Sephia?
  • Do I have coverage for damage caused while driving under the influence?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance costs are influenced by these factors

Many things are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving record, but some are more obscure such as your marital status or how safe your car is.

  • Teenagers are high risk – Older drivers are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.Beginning drivers are known to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
  • Less chance of injury means lower premiums – Cars with high safety ratings cost less to insure. The safest vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates. If the Kia Sephia scored better than four stars on Safercar.gov you may be receiving a better rate.
  • Always keep your coverage in force – Driving your car without having proper coverage is against the law and companies may charge more for letting your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance can result in fines or a revoked license.
  • Fewer miles means better costs – The higher the mileage driven each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. An improperly rated Sephia may be costing you. It’s a good idea to make sure your auto insurance policy properly reflects the proper vehicle usage, because it can save money.
  • Responsible drivers pay less – How you drive impacts premiums far more than you think. Good drivers tend to pay less for car insurance as compared to those with violations. Even one speeding ticket could increase your next policy renewal to the point where it’s not affordable. Drivers who have severe tickets like reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state’s licensing department in order to legally drive.
  • How many coverages with the same company – Most insurance companies will award discounts to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to compare rates to guarantee you are still saving the most.There is a chance you can find lower rates even if you have your coverage with different companies

Tricks in insurance advertising

Big name companies like Allstate, Geico and Progressive regularly use ads on TV and radio. They all make the same claim about savings if you get a free car insurance quote and switch your policy. That’s great but how can every company make almost identical claims? Here is the trick they use.

All the different companies give the cheapest rates for the type of driver that will most likely be profitable. One example of a profitable insured could be between 25 and 40, has a clean driving record, and chooses high deductibles. A propective insured that meets those criteria will get very good prices and will save some money.

Potential customers who do not meet these criteria must pay higher premium rates which leads to the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best rates. Because of these techniques, you absolutely need to compare free car insurance quotes often. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, hail damage, falling objects, fire damage and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, dental work, X-ray expenses, surgery and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to 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

Liability coverages

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, emergency aid, structural damage and court costs. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

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

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision insurance covers damage to your Sephia resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Be a money saver!

Cheap 1998 Kia Sephia insurance can be sourced online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get quotes online and these small, regional companies only sell through independent agents.

Throughout this article, we presented many ways to save on 1998 Kia Sephia insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the lowest prices come from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

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