2008 Kia Sedona Insurance Quotes – 8 Tips for Cheaper Rates

Want cheaper insurance rates for your Kia Sedona? I doubt anyone likes having to buy insurance, particularly when they could get a better deal. Insurance companies such as Progressive, State Farm and GEICO persitently shower you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

It’s a good idea to quote other rates on a regular basis because prices are rarely the same from one policy term to another. Just because you found the best quotes on Sedona coverage a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to find great coverage at a great price.

Buy car insurance online

There are multiple methods you can shop for car insurance but some are less time-consuming than others. You could spend the better part of a day driving to insurance companies in your area, or you can stay home and use the internet for quick rates.

Many popular insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company returns a rated price determined by their information. This eliminates the need for form submissions to each company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to using this type of system is you cannot specify the providers you want to price. If you wish to select from a list of companies to compare prices, we put together a list of car insurance companies in your area. Click to view list.

Whichever way you use, double check that you are using nearly identical quote data for every quote you compare. If the quotes have different limits and deductibles on each one it’s impossible to make an equal comparison.

Truth in insurance advertising

Consumers constantly see and hear ads for cheaper insurance by companies like 21st Century, Allstate and State Farm. They all advertise claims of big savings if you move your coverage.

How does each company sell you cheaper insurance coverage? It’s all in the numbers.

All the different companies offer their best rates for the type of driver that will most likely be profitable. One example of a profitable customer may be over the age of 45, is a homeowner, and the vehicle is rated for pleasure use. A propective insured that meets those criteria may get the lowest car insurance rates and will most likely save quite a bit of money when switching.

Drivers who are not a match for this stringent profile may be forced to pay a more expensive rate which leads to the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” save that much money. That is how insurance companies can state the savings. Because of the profiling, you really should compare free insurance coverage quotes often. It’s impossible to know which insurance companies will fit your personal profile best.

Verify you’re getting every discount

Insurance can cost an arm and a leg, but discounts can save money and there are some available that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of quoting, but some need to be specifically requested before being credited.

  • College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Accident Free – Claim-free drivers can save substantially when compared with insureds who have frequent claims or accidents.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle with the same company can get a discount on all vehicles.
  • Early Renewal Discounts – A few insurance companies give discounts for renewing your policy before your current expiration date. It can save you around 10%.
  • E-sign Discounts – Some of the larger companies will give you a small discount shop insurance coverage on the web.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little on medical payment and PIP coverage.
  • Cautious Driver Discounts – Insureds without accidents can save as much as half off their rates on Sedona coverage than less cautious drivers.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few of the larger companies and a selection of discounts are shown below.

  • Progressive offers discounts for multi-policy, homeowner, continuous coverage, online quote discount, and multi-vehicle.
  • MetLife may have discounts that include accident-free, good student, good driver, defensive driver, and claim-free.
  • Mercury Insurance may offer discounts for multi-policy, location of vehicle, type of vehicle, ease of repair, multi-car, age of vehicle, and professional/association.
  • Nationwide policyholders can earn discounts including multi-policy, business or organization, easy pay, family plan, anti-theft, and accident-free.
  • GEICO discounts include emergency military deployment, air bags, good student, membership and employees, five-year accident-free, federal employee, and daytime running lights.
  • AAA offers discounts including good student, anti-theft, pay-in-full, multi-car, good driver, and education and occupation.

Before purchasing a policy, check with every company which discounts can lower your rates. Depending on the company, some discounts may not apply in your state. If you would like to view insurers with the best discounts, click this link.

When should I discuss my situation with an agent?

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?
  • Is a fancy paint job covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need an umbrella policy?
  • Do I pay less for low miles?
  • Is business property covered if stolen from my car?
  • How can I get my company to pay me more for my totalled car?
  • What if I total my 2008 Kia Sedona and owe more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, bail bonds, legal defense fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a bird, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, dental work, doctor visits and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your Sedona caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, crashing into a building, rolling your car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Take this to the bank

In this article, we presented quite a bit of information on how to save on 2008 Kia Sedona insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. You may even discover the most savings is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

When getting insurance coverage quotes online, do not reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits and learned later that it was a big mistake. The goal is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

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