Compare 1997 Kia Sephia Insurance Rates

Searching for cheaper insurance for a new or used Kia Sephia could be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages for your Kia and locate the cheapest rates either online or from local insurance agents.

It is always a good idea to quote other rates before your policy renews since insurance prices are rarely the same from one policy term to another. If you had the lowest rates for Sephia coverage last year there may be better deals available now. There is a lot of bad advice regarding insurance on the web, but I’m going to show you some good information on how to lower your insurance premiums.

Finding the best rates is not that difficult. If you have insurance now or are looking for a new policy, you can learn to cut your premiums and possibly find even better coverage. Drivers just need to understand the tricks to shop for insurance online.

The Kia Sephia insurance price equation

When buying insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for insurance. If you have a feel for what determines base rates, this enables informed choices that can help you get big savings. Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable like your driving record, but some are not quite as obvious like your vehicle usage and annual miles driven.

  • Lower rates for cars with good safety ratings – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and cheaper rates on your policy. If the Kia Sephia scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Cut prices and deter theft – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
  • Cheaper premiums for prior coverage – Having a lapse in insurance coverage will be a sure-fire way to bump up your insurance costs. Not only will rates go up, failure to provide proof of insurance may earn you fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Frequent insurance claims will cost you more – Auto insurance companies generally give the lowest premiums to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended for the large, substantial claims.
  • High physical damage deductibles cost less – Protection for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. A few examples of covered claims are a broken side mirror, damage from fire, or theft. Your deductibles are how much you are willing to pay before your insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Sephia coverage.
  • Women pay lower premiums – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Both sexes cause auto accidents at about the same rate, but males have costlier accidents. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are several times more likely to be in an accident so they pay the highest premiums.

Find discounts to get cheap car insurance rates

Some providers don’t always publicize their entire list of discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance online.

  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance quote as opposed to policyholders that have many claims.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower rates if you buy life insurance.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Cautious Driver Discount – Insureds without accidents could pay up to 40% less for Sephia coverage than their less cautious counterparts.
  • Driving Data Discount – Insureds that choose to allow their company to look at driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
  • Multiple Vehicles – Insuring multiple cars with the same company may reduce the rate for each vehicle.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Most companies allow this discount until age 25.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
  • ABS Brakes – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, you aren’t that lucky.

The best car insurance companies and a partial list of their discounts can be found below.

  • GEICO has discounts for air bags, membership and employees, five-year accident-free, defensive driver, federal employee, good student, and emergency military deployment.
  • Travelers offers premium reductions for good student, home ownership, payment discounts, multi-policy, IntelliDrive, multi-car, and hybrid/electric vehicle.
  • Farm Bureau offers discounts including good student, multi-policy, safe driver, 55 and retired, multi-vehicle, and youthful driver.
  • Liberty Mutual may offer discounts for multi-policy, newly married, newly retired, new vehicle discount, and safety features.
  • American Family may include discounts for good driver, bundled insurance, early bird, TimeAway discount, and defensive driver.
  • Progressive discounts include continuous coverage, homeowner, online quote discount, good student, and multi-vehicle.

When comparing rates, check with all companies you are considering how you can save money. Savings might not be offered on policies in every state. To find car insurance companies who offer car insurance discounts, click here.

Insurance in the media

Consumers can’t ignore all the ads for the lowest price insurance from companies such as State Farm and Allstate. All the companies convey the message that you’ll save big if you move to them.

Is it even possible that every company can charge less that you’re paying now?

Most companies offer their best rates for a prospective insured they prefer to insure. For instance, a desirable risk should be over the age of 35, carries high limits, and drives less than 5,000 miles a year. Anybody that matches those criteria will qualify for the lowest prices and therefore will cut their rates if they switch.

Insureds who do not match the “perfect” profile may be required to pay higher rates and the prospect going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s the way companies can make the claims of big savings. Because of these techniques, it is so important to compare many company’s premium rates. It’s not possible to predict which insurance company will give you the biggest savings.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Am I covered if I crash into my own garage door?
  • Why is insurance for a teen driver so high?
  • Should I buy only the required minimum liability coverage?
  • Is extra glass coverage worth it?
  • Am I covered when driving on a suspended license?
  • Which companies will insure high-risk drivers?
  • How do I insure my teen driver?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, loss of income, pain and suffering, attorney fees and medical services. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Sephia resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 1997 Kia Sephia.

Since a lot of drivers carry very low liability coverage 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.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for X-ray expenses, ambulance fees, pain medications, nursing services and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

A little work can save a LOT of money

In this article, we presented many tips how you can lower your 1997 Kia Sephia insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the best rates are with a smaller regional carrier.

Budget-conscious 1997 Kia Sephia insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not offer internet price quotes and many times these regional insurance providers provide coverage only through local independent agents.

Insureds leave their current company for any number of reasons including poor customer service, policy cancellation, lack of trust in their agent or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

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