1999 Kia Sephia Insurance Cost

Wish you could get out of high-priced insurance? Don’t sweat it because many consumers are in the same pinch.

You have multiple insurers to purchase coverage from, and though it is a good thing to have multiple companies, more choices can make it harder to get the best deal.

Lower rate quotes by getting discounts

Auto insurance can be pricey, but you can get discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some discounts are required to be specially asked for in order for you to get them.

  • Theft Deterent – Vehicles that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Paper-free Discount – A handful of insurance companies provide a small discount for buying a policy and signing up on the internet.
  • Sign Early and Save – Some companies provide a discount for switching companies before your current policy expires. You could save around 10% when you buy car insurance online.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • No Accidents – Drivers who don’t have accidents get the best auto insurance rates in comparison to bad drivers.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A list of companies and a summarized list of policyholder discounts include:

  • State Farm offers discounts for multiple autos, good driver, defensive driving training, safe vehicle, good student, and accident-free.
  • Farmers Insurance discounts include bundle discounts, electronic funds transfer, homeowner, mature driver, youthful driver, distant student, and good student.
  • GEICO has discounts for emergency military deployment, federal employee, seat belt use, defensive driver, and good student.
  • American Family offers premium reductions for bundled insurance, defensive driver, TimeAway discount, good student, early bird, air bags, and accident-free.
  • Nationwide may include discounts for defensive driving, accident-free, anti-theft, Farm Bureau membership, business or organization, family plan, and multi-policy.
  • Progressive includes discounts for online quote discount, online signing, multi-vehicle, continuous coverage, and good student.

When quoting, ask every company which credits you are entitled to. All car insurance discounts may not be offered in your area. If you would like to see a list of providers that offer the discounts shown above, click here.

Buy insurance online

There are multiple methods to compare insurance prices but one way is more efficient than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company can give them a price based on that information. This eliminates the need for repetitive form submissions for every insurance company.

To compare pricing click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers you want to price. If you would rather choose specific providers to compare prices, we have a page of companies who write insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, make absolute certain that you use exactly the same deductibles and coverage limits for every quote you compare. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Kia Sephia. Even a minor difference in insurance coverages may result in a large different in cost. Keep in mind that comparing a large number of companies helps increase your odds of locating the best rates. Some companies don’t provide rate quotes online, so you should also compare price estimates on coverage from those companies, too.

Your car insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • How does medical payments coverage work?
  • Can my babysitter drive my car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if hit by an uninsured driver?
  • Should I buy additional glass protection?
  • Do I need more liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, hail damage, hitting a deer, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

This coverage pays for damage to your Sephia caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, EMT expenses, nursing services and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

We just showed you many ways to save on 1999 Kia Sephia insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable car insurance. You may even find the lowest prices are with a smaller regional carrier. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Some companies may not have online quoting and these smaller providers only sell coverage through independent agencies. Lower-priced 1999 Kia Sephia insurance is available from both online companies as well as from insurance agents, so you need to compare both to have the best selection.

Much more information about car insurance can be read below: