How Much Does 2010 Kia Sedona Car Insurance Cost?

Being forced to pay for pricey car insurance premiums can bleed your budget and force you to cut corners elsewhere. Comparing price quotes can lower your rates and help to lower your bills every month.

Since people have many companies to choose from, it is hard for the average consumer to pick the most affordable car insurance provider.

The quickest method to get policy rate comparisons is to take advantage of the fact most of the bigger providers participate in a system to give free rates quotes. All you need to do is give them some information like whether you are single or married, what you do for a living, your education level, and if it has an anti-theft system. Your information gets transmitted to multiple different insurance companies and they return cost estimate within a short period of time.

Take advantage of every car insurance discount

Some insurers don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Accident Free – Insureds with no claims or accidents have much lower rates when compared to frequent claim filers.
  • Discount for Swiching Early – Some car insurance companies provide a discount for buying a policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • New Car Discount – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
  • Include Life Insurance and Save – Larger companies have a break if you buy life insurance.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Payment Method – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% for Sedona coverage with a few car insurance companies.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will reduce your policy cost.

To find insurance companies who offer online car insurance quotes, click this link.

How to know if you need help

When buying proper insurance coverage for your vehicles, there 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 aid in determining whether you might need an agent’s assistance.

  • Do I need an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • Is my cargo covered for damage or theft?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I really need UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Informed drivers know how to buy auto insurance at a discount

Many different elements are part of the calculation when quoting car insurance. Some are obvious like your driving record, but other criteria are less apparent like where you live or how financially stable you are.

  • Having a spouse equates to better prices – Having a spouse may earn you lower rates when shopping for auto insurance. Having a spouse is viewed as being more mature and responsible and insurance companies like that drivers who are married are more cautious.
  • Don’t let your auto insurance policy lapse – Letting your insurance expire will be a sure-fire way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance could earn you fines and jail time. You may then be required to file a SR-22 with your state department of motor vehicles.
  • You may save more by bundling policies – Some insurance companies afford discounts to customers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even with this discount applied, consumers should still comparison shop to ensure the best deal.
  • Rural vs Urban Areas – Being located in smaller towns and rural areas of the country has definite advantages when talking about auto insurance. Fewer drivers on the road means less chance of accidents in addition to fewer liability claims. Residents of big cities regularly have congested traffic and longer commutes to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Tough job may mean higher rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as military personnel, business owners and accountants usually pay the highest rates because of intense work situations and long work days. Other jobs such as actors, athletes and performers have lower than average premiums for Sedona coverage.
  • Liability is critical – The liability coverage on your policy is the coverage that protects you if ever a jury decides you are liable for physical damage or personal injury to other. It will provide legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Extra policy coverages are wasting money – Policies have optional add-on coverages that can waste your money when buying auto insurance. Insurance for rental car reimbursement, death and dismemberment, and term life insurance are examples of these. They may seem good when buying your policy, but now you might not need them so remove them and pocket the money.
  • Teenage drivers pay more – Drivers with little experience have a tendency to be inattentive when behind the wheel so they pay higher auto insurance rates. More mature drivers are shown to be more cautious, file fewer claims and tend to be get fewer driving tickets.

Learn about car insurance coverages for a Kia Sedona

Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2010 Kia Sedona.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for 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 policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle, rolling your car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, rehabilitation expenses, funeral costs, dental work and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Final thoughts

Throughout this article, we presented a lot of tips how to save on 2010 Kia Sedona insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the most savings is with the smaller companies. Regional companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Budget-friendly auto insurance can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection. A few companies don’t offer online price quotes and many times these smaller providers only sell through local independent agencies.

Additional detailed information is available in these articles: