2016 Kia Sedona Insurance Rates – 7 Discounts for Cheaper Quotes

Looking for better car insurance rates? Shoppers have options when shopping for the best price on Kia Sedona insurance. You can either spend your time calling around trying to get quotes or leverage the internet to get rate quotes. There are more efficient ways to buy car insurance and we’ll show you the proper way to get price quotes for a Kia and get the lowest possible price from both online companies and local agents.

Pay discount rates these seven discounts

Some insurance providers don’t necessarily list the entire discount list in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known discounts that may be available. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • Telematics Discount – Policyholders that allow their company to look at when and where they use their vehicle remotely such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for Sedona coverage with some car insurance companies.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower prices.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • No Accidents – Good drivers with no accidents pay much less in comparison with frequent claim filers.
  • Save with More Vehicles Insured – Insuring several vehicles on one policy may reduce the rate for each vehicle.

Just know that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies who may offer most of the discounts above may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to every company to apply every possible discount. A few discounts might not be available to policyholders in your area. To view insurance companies who offer cheap car insurance quotes, click here to view.

Special considerations

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • How many claims can I have before being cancelled?
  • Should I buy only the required minimum liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I getting all the discounts available?
  • Is a fancy paint job covered?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance pays for damage to your Sedona resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Kia Sedona.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance – Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like pain medications, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Don’t break the bank

Consumers switch companies for any number of reasons including delays in responding to claim requests, policy cancellation, poor customer service or even unfair underwriting practices. Whatever your reason, switching companies can be less work than you think.

In this article, we presented some good ideas how you can save on 2016 Kia Sedona insurance. The most important thing to understand is the more you quote car insurance, the better likelihood of getting affordable car insurance. You may be surprised to find that the lowest prices are with an unexpected company.

When searching for cheap car insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price.

Much more information about auto insurance is available on the following sites: