2000 Kia Sephia Insurance Rates – 8 Tricks for Cheaper Quotes

Looking for better auto insurance rates for your Kia Sephia? Having to pay for high-priced Kia Sephia insurance can overdraw your budget and make it tough to pay other bills. Online insurance companies like Progressive, State Farm and GEICO increase brand awareness with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Drivers can save with these eight premium-slashing discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but a few must be asked for in order for you to get them.

  • Defensive Driver – Passing a course teaching defensive driver skills could earn you a small percentage discount depending on where you live.
  • College Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
  • Early Signing – A few auto insurance companies offer discounts for buying a policy prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less on Sephia coverage than drivers with accidents.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Save with a New Car – Buying a new car model can cost up to 25% less because new model year vehicles are generally safer.
  • Include Life Insurance and Save – Larger auto insurance companies have a lower premium rate if you buy a life policy as well.
  • No Claims – Insureds with no claims or accidents have much lower rates when compared with bad drivers.

One thing to note about discounts is that most discount credits are not given the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

To view insurers who offer online auto insurance quotes, follow this link.

Do I need special coverages?

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • How does medical payments coverage work?
  • I have health insurance so do I need medical payments coverage?
  • How do I insure my teen driver?
  • When should I remove comp and collision on my 2000 Kia Sephia?
  • Which companies will insure high-risk drivers?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Learn about car insurance coverages for a 2000 Kia Sephia

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Sephia.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, pain and suffering, attorney fees and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a deer, hitting a bird, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

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

Collision coverage pays for things like hitting a mailbox, crashing into a building, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, EMT expenses, dental work, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Be a money saver!

We just showed you quite a bit of information on how to compare 2000 Kia Sephia insurance premium rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the best price on auto insurance is with a small local company. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or GEICO.

When you buy car insurance online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Much more information about auto insurance can be found at these links: