1996 Kia Sephia Car Insurance Rates – 7 Tips for Cheapest Quotes

Nobody that owns a car likes paying for car insurance, especially knowing they could get a better deal.

With so many car insurance companies to choose from, it can be hard to pick the lowest price company.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Nevertheless, vehicle owners do need to learn how the larger insurance companies sell insurance online.

Seven discounts for lower-cost car insurance rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so the list below details a few of the more well known as well as the least known credits available to bring down your rates.

  • Claim Free – Drivers who stay claim-free get the best car insurance rates when compared to frequent claim filers.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Good Student Discount – Getting good grades may save as much as 25% on a auto insurance quote. You can use this discount normally until age 25.
  • Driving Data Discount – Drivers who elect to allow driving data collection to look at when and where they use their vehicle through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • Paperwork-free – A few larger companies will provide an incentive for signing up over the internet.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on Sephia insurance depending on your company.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A list of companies and a summarized list of policyholder discounts can be found below.

  • 21st Century may offer discounts for teen driver, air bags, early bird, defensive driver, and good student.
  • Progressive has discounts for online signing, homeowner, good student, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
  • State Farm includes discounts for multiple autos, passive restraint, multiple policy, driver’s education, safe vehicle, good driver, and Steer Clear safe driver discount.
  • Nationwide offers discounts for accident-free, defensive driving, anti-theft, good student, multi-policy, Farm Bureau membership, and family plan.
  • Esurance may have discounts that include multi-car, paid-in-full, renters, safety device, claim free, Switch & Save, and anti-lock brakes.
  • The Hartford discounts include bundle, vehicle fuel type, defensive driver, good student, driver training, anti-theft, and air bag.

Before you buy a policy, ask every company to give you their best rates. Some discounts might not be offered on policies in your area. To choose insurance companies who offer car insurance discounts, click here.

Compare insurance coverage rates

All major insurance coverage companies give pricing online. Getting quotes is fairly straightforward as all you need to do is type in the amount of coverage you want as detailed in the form. Once entered, the system orders your driving record and credit report and returns a price. Quoting online simplifies rate comparisons, but the work required to visit a lot of sites and type in your information can get tiresome after awhile. But it’s also necessary to get many rate quotes in order to find the lowest insurance coverage rates.

A less time-consuming method to compare insurance coverage pricing makes use of a single form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes rate comparisons much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To save time and compare rates now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you type in as close as possible to your current policy. This ensures you will have rate quotes for exact coverage.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover whether you might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving someone else’s vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Do I need rental car coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the minimum liability in my state?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when driving in Canada or Mexico?
  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage on my 1996 Kia Sephia?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Parts of your auto insurance policy

Having a good grasp of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, EMT expenses, doctor visits and X-ray expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverages

This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, court costs, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This pays for damage to your Sephia resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Have money to burn

We just showed you a lot of ways to get a better price on 1996 Kia Sephia insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the best price on auto insurance is with a smaller regional carrier. Regional companies often have lower car insurance rates on specific markets than their larger competitors like GEICO and State Farm.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

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