2004 Kia Sedona Insurance Quotes – 7 Tips to Save

Overwhelmed by the dozens of insurance providers available to you? People have so many choices that it can turn into a difficult challenge to find the lowest price.

Smart consumers take time to compare premium rates occasionally because insurance prices are rarely the same from one policy term to another. Just because you had the best quotes for Sedona coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the right way to buy cheaper insurance.

Insurance coverage discounts help cut rates

Buying insurance coverage is not cheap, but there could be significant discounts to cut the cost considerably. Certain credits will be shown when you complete an application, but a few need to be manually applied prior to getting the savings.

Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more.
Savings for New Vehicles – Adding a new car to your policy is cheaper because newer models are generally safer.
Homeowners Savings – Owning a home can save you money because of the fact that having a home means you have a higher level of financial diligence.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
Active Military Service – Being deployed with a military unit may qualify for rate reductions.
Early Switch Discount – Select companies give a discount for renewing your policy prior to your current policy expiration. This can save 10% or more.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky. But any discount will cut your overall premium however.

The best insurance coverage companies and their possible discounts include:

Farm Bureau includes discounts for youthful driver, renewal discount, driver training, multi-policy, 55 and retired, and safe driver.
MetLife offers premium reductions for good student, multi-policy, claim-free, accident-free, and defensive driver.
Progressive offers discounts for multi-policy, good student, homeowner, online quote discount, online signing, and multi-vehicle.
AAA may have discounts that include multi-policy, good driver, AAA membership discount, anti-theft, good student, and pay-in-full.
American Family may include discounts for good student, defensive driver, mySafetyValet, air bags, and bundled insurance.
Geico policyholders can earn discounts including driver training, air bags, emergency military deployment, anti-lock brakes, military active duty, anti-theft, and good student.
State Farm may offer discounts for good driver, anti-theft, Steer Clear safe driver discount, driver’s education, and multiple policy.

Before purchasing a policy, check with each company what discounts are available to you. A few discounts may not apply to policyholders in your area. To locate companies who offer online insurance coverage quotes, click this link.

Which is the best car insurance?

When choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

Does having multiple vehicles earn me a discount?
How high should my uninsured/underinsured coverage be in my state?
What can I do if my company denied a claim?
Am I covered if my car is in a flood?
Does my medical payments coverage pay my health insurance deductible?
Should I put collision coverage on all my vehicles?
Is my 2004 Kia Sedona covered for flood damage?
Can I afford to pay high deductible claims out of pocket?
Is my babysitter covered when using my vehicle?
Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Can switching companies really save?

Respected companies like Allstate and Progressive consistently run ads in print and on television. All the companies make the same claim that you’ll save big if you get a free insurance quote and switch to them. How does every company give you a better price?

All the different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a profitable risk profile may be a married female, has no claims, and has a short commute. Anybody who fits that profile will probably get cheap rates and therefore will save when switching.

Potential customers who are not a match for the “perfect” profile will be quoted a higher rate and this can result in the customer not buying. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can truthfully make the claims of big savings. This illustrates why you absolutely need to do a price quote comparison at every renewal. It’s just too difficult to predict which company will have the best prices at this point in time.

Car insurance coverage considerations

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Sedona resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like doctor visits, rehabilitation expenses, funeral costs, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix 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 can pay for things such as hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Kia Sedona.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

One last thing about your coverage

We just showed you a lot of ways to reduce 2004 Kia Sedona insurance premium rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting cheap insurance. Consumers may even find the lowest premium rates come from a small local company.

Drivers change insurance companies for any number of reasons including lack of trust in their agent, delays in responding to claim requests, being labeled a high risk driver or not issuing a premium refund. Whatever your reason, finding a great new company is less work than it seems.

When getting insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.