How Much Does 2010 Kia Sedona Insurance Cost?

Searching for better insurance rates for your Kia Sedona? Expensive insurance can take a big chunk out of your monthly budget and force you to prioritize other expenses. Shopping your coverage around is a great way to make sure you’re not throwing money away.

Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to price shop coverage yearly since insurance prices tend to go up over time. Even if you got the best deal for Sedona insurance a year ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Choosing the best insurance company for you is quite easy. But drivers do need to know how companies market insurance on the web because it can help you find the best coverage.

Compare insurance rate quotes online

All the larger insurance companies like State Farm and Allstate provide price estimates direct online. Getting online rates doesn’t take a lot of time as all you need to do is type in on the page. After you submit the form their quoting system automatically retrieves reports for credit and driving violations and quotes a price determined by many factors. Online price quotes streamlines rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to get better prices.

Isn’t there an easier way to compare rates?

The easiest way to find lower prices utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more efficient. After sending the form, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and can result in significant savings.

In order to compare rates using this form now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will receive an apples-to-apples comparison using the same coverage and limits.

Auto insurance discounts help lower rates

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Some of these disounts will be visible at the time you complete a quote, but a few must be specifically requested prior to getting the savings.

Accident-Free Discounts – Insureds with no claims or accidents pay much less as opposed to frequent claim filers.
Braking Control Discount – Cars with ABS braking systems or traction control can reduce accidents and will save you 10% or more.
Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.
Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm, Progressive and Geico may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles keep occupants safer.
Discount for Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
Memberships – Being in qualifying employment or professional organizations could qualify you for a break on your next renewal.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

The best auto insurance companies and their possible discounts are:

Geico discounts include seat belt use, anti-theft, driver training, air bags, military active duty, daytime running lights, and emergency military deployment.
SAFECO has discounts for multi-car, teen safety rewards, accident prevention training, homeowner, drive less, and teen safe driver.
State Farm offers discounts including passive restraint, Steer Clear safe driver discount, defensive driving training, good driver, safe vehicle, and accident-free.
MetLife may have discounts that include good driver, claim-free, defensive driver, good student, and multi-policy.
21st Century may include discounts for driver training, 55 and older, automatic seat belts, defensive driver, student driver, teen driver, and early bird.
Progressive policyholders can earn discounts including online quote discount, online signing, multi-policy, homeowner, continuous coverage, and good student.

If you are trying to find low cost insurance coverage quotes, ask every insurance company to give you their best rates. Discounts might not be offered on policies in your area. If you would like to view providers that offer some of these discounts, click this link.

Which is the best auto insurance?

When it comes to choosing adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether you might need an agent’s assistance.

What is covered by UM/UIM coverage?
When should my teen driver be added to my policy?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Can my teen drive my company car?
Is my ex-spouse still covered by my policy?
What should my uninsured motorist coverage limits be in my state?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage options for a 2010 Kia Sedona

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays for damage to your Sedona resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, hitting a parking meter, scraping a guard rail, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sedona.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like X-ray expenses, doctor visits, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

This protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

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 liability limits 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 total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, emergency aid and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, vandalism, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.