Compare 2002 Kia Sedona Insurance Rates

Trying to find the cheapest insurance coverage rates for your Kia Sedona? Do you get exhausted from sacrificing each month for insurance coverage? You are no different than many other consumers.

Because there are so many insurance coverage companies to choose from, it’s difficult to find a lower cost insurance coverage provider.

Consumers need to price shop coverage before your policy renews because prices are constantly changing. If you had the lowest rates for Sedona insurance a couple years back there may be better deals available now. Ignore everything you know about insurance coverage because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.

Choosing the best insurance company for you is quite easy. Basically, anyone who shops for insurance most likely will be able to save money. Nevertheless, car owners must know how the larger insurance companies determine prices and apply this information to your search.

How to compare car insurance quotes

When comparison shopping, there are several ways to obtain and compare prices from local car insurance companies. The best way to find the lowest 2002 Kia Sedona rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do separate forms for each company. A single, simple form will get you rate comparisons from many national carriers.

A harder way to compare rate quotes requires a visit to each company’s website to request a price quote. For examples sake, we’ll assume you want to see prices from Auto-Owners, State Farm and Allstate. In order to get each rate, you would have to take the time to go to each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

For a list of companies in your area, click here.

The least efficient and most time consuming way to compare price quotes is making phone calls or going to insurance agencies in your area. The ability to quote online eliminates this option unless you have a need for the professional guidance of an agent trained in personal lines coverage. Although, it is possible get prices online but have your policy serviced through an agent.

Compare rates however you want, just ensure you are comparing equivalent coverage limits and deductibles with each company. If you compare differing limits it will be nearly impossible to decipher which rate is best. Having just a slight variation in limits may cause a big price difference. And when comparing car insurance rates, know that quoting more helps you find the best price. Some smaller insurers to not give online quotes, so you should also compare price estimates from them as well.

Drivers save money with these rate-reducing discounts

Car insurance can be pricey, but you may qualify for discounts that many people don’t even know exist. Certain reductions will be credited at the time of purchase, but occassionally some discounts must be inquired about before you get the savings.

  • Defensive Driver Discount – Completing a course teaching safe driver skills could earn you a small percentage discount and easily pay for the cost of the class.
  • Life Insurance – Insurance companies who offer life insurance give better prices if you take out a life policy as well.
  • Active Military Service – Being on active duty in the military could qualify you for better prices.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
  • Waiver for an Accident – This one isn’t a discount, but companies like GEICO, Allstate and Liberty Mutual will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.

It’s important to note that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

A list of car insurance companies and a summarized list of policyholder discounts are included below.

  • Farm Bureau includes discounts for good student, youthful driver, multi-vehicle, safe driver, 55 and retired, and driver training.
  • Liberty Mutual offers premium reductions for safety features, multi-policy, hybrid vehicle, good student, new vehicle discount, and new move discount.
  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, good student, safe vehicle, accident-free, driver’s education, and anti-theft.
  • Auto-Owners Insurance may offer discounts for good student, anti-lock brakes, group or association, multi-policy, safe vehicle, and mature driver.
  • GEICO offers discounts for defensive driver, five-year accident-free, anti-theft, military active duty, good student, and seat belt use.
  • SAFECO discounts include accident prevention training, drive less, teen safe driver, bundle discounts, anti-lock brakes, and safe driver.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some credits may not apply in your area. To view providers who offer free car insurance quotes, follow this link.

Do I need special coverages?

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might point out whether you could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • When would I need rental car insurance?
  • Should I get collision insurance on every vehicle?
  • What is PIP insurance?
  • What is medical payments coverage?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Kia Sedona.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, X-ray expenses, chiropractic care and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as structural damage, medical expenses, emergency aid, funeral expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.