2018 Kia Sedona Car Insurance Quotes

Nobody I know enjoys paying for insurance coverage, especially when they know the prices are way too high.

Big companies like Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers should take time to compare prices occasionally because rates are variable and change quite frequently. Even if you got the best premium rates on Sedona insurance at your last renewal a different company probably has better prices today. Block out anything you think you know about insurance coverage because you’re about to find out one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you should be able to save some money using this information. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers must understand how insurance companies determine prices and take advantage of how the system works.

Informed decisions result in lower insurance rates

Many different elements are taken into consideration when you get a price on insurance. Most are fairly basic like a motor vehicle report, but some are not as apparent like your vehicle usage or your financial responsibility.

The itemized list below are a few of the “ingredients” auto insurance companies consider when setting your rate level.

  • Marriage is a bonus – Having a wife or husband actually saves money when shopping for auto insurance. It is viewed as being less irresponsible and statistics show married couples file fewer claims.
  • Reserve claims for larger damages – If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Auto insurance companies give the best rates to people who do not file claims often. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Job reflects on premiums – Careers such as judges, executives and accountants tend to have higher average rates in part from intense work situations and long work hours. Conversely, careers like actors, engineers and retirees get better rates on Sedona insurance.
  • Alarms and GPS tracking systems cut premiums – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft and help bring rates down.
  • Is insurance cheaper for men or women? – The statistics show that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Females and males cause accidents in similar percentages, but the males tend to have more serious accidents. They also receive more major tickets such as DWI and reckless driving.
  • Cars with good safety ratings means better premiums – Vehicles with good safety scores get lower rates. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less and more competitive rates for policyholders.
  • Drivers with good credit save – An insured’s credit score is likely to be a major factor in determining premium rates. Insureds that have very high credit ratings tend to be more responsible than drivers with lower credit scores. If your credit history can use some improvement, you could save money insuring your 2018 Kia Sedona by taking the time to improve your credit score.

Drivers save money with these premium-slashing discounts

Not too many consumers would say insurance is affordable, but you might be missing out on some discounts that you may not know about. A few discounts will be applied at the time of quoting, but some discounts are required to be asked for in order for you to get them.

  • Government Employees – Simply working for the federal government may reduce rates when you quote auto insurance on Sedona insurance but check with your company.
  • Passive Restraint Discount – Factory options such as air bags may earn rate discounts of 25 to 30%.
  • Discounts for Multiple Vehicles – Having all your vehicles with the same company qualifies for this discount.
  • No Accidents – Insureds who avoid accidents and claims pay much less compared to insureds who have frequent claims or accidents.
  • No Charge for an Accident – This one is not really a discount per se, but some companies like Libery Mutual, Geico and Allstate will turn a blind eye to one accident without getting socked with a rate hike if you have no claims for a set time period.
  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive better insurance rates on Sedona insurance.
  • Life Insurance – Some insurance carriers give a discount if you purchase life insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the PIP or medical payment premium.
  • Defensive Driver Discount – Participating in a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.

Drivers should understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

Some of the larger companies that may offer quotes with some of the discounts shown above are:

If you want affordable auto insurance quotes, ask each company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies everywhere. If you would like to see a list of insurance companies that offer discounts, click this link.

Tricks in car insurance advertising

Companies like Geico, State Farm and Progressive endlessly run ads in print and on television. All the ads tend to make the same promise of big savings if you change to them. That’s great but how can every company save you money?

Many companies look for specific characteristics for the type of insured that earns them a profit. One example of a profitable customer might have to be a married male, has a clear driving record, and has a short commute. Any customer who fits that profile will get the preferred premium rates and will also save some money.

Insureds who don’t qualify for these criteria will be charged more expensive rates and this results in business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can make those statements.

Each company has different criteria, so it is so important to get auto insurance quotes as often as possible. It is impossible to guess with any certainty which company will fit your personal profile best.

Do I need special coverages?

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is an SR-22 filing?
  • Does coverage extend to my business vehicle?
  • Do I really need UM/UIM coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specific coverages for a 2018 Kia Sedona

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by car insurance companies.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering, court costs and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, EMT expenses, prosthetic devices, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, backing into a parked car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Kia Sedona.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Final considerations

You just read many ways to compare 2018 Kia Sedona insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many situations where an insured cut liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

More detailed auto insurance information is available at these sites: