1994 Kia Sephia Insurance Quotes – 10 Savings Tips

Trying to find the cheapest car insurance rates for your Kia Sephia? Are you tired of sacrificing to pay car insurance each month? You have the same problem as the majority of other drivers.

Drivers have multiple insurers to buy insurance from, and although it’s a good thing to be able to choose, having more insurers makes it harder to compare rates and cut insurance costs.

You should take the time to quote other rates every six months because insurance prices trend upward over time. Just because you found the best price for Sephia coverage a few years ago there is a good chance you can find better rate quotes now. There are lots of tips to save on car insurance online, but in just a couple of minutes you can learn the easiest ways to reduce your car insurance bill.

Lower rates by qualifying for these ten discounts

Companies offering auto insurance don’t necessarily list their entire list of discounts very clearly, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that may be available.

  • Accident Forgiveness Coverage – Not really a discount, but a few companies such as Allstate and GEICO may permit one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life insurance policy as well.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn as much as 10 to 15 percent.
  • Claim Free – Drivers with accident-free driving histories pay much less in comparison with frequent claim filers.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less for Sephia coverage than drivers with accident claims.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Driving Data Discount – Insureds that choose to allow driving data submission to study vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they show good driving skills.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.

Just know that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

For a list of insurance companies that provide some of the discounts listed above, click here to view.

Auto insurance is unique, just like you

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover if you would benefit from professional advice.

  • How high should my medical payments coverage be?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rental cars covered under my policy?
  • Do I need an umbrella policy?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if my car is in a flood?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance ads bend the truth

Progressive, GEICO, Allstate and State Farm endlessly run ads on television and other media. They all advertise the message about savings just by moving your policy. How does each company give you a lower rate? This is how they do it.

All the different companies have underwriting criteria for the type of driver that is profitable for them. For example, a preferred risk might be described as a mature driver, owns their home, and drives a lower-performance vehicle. Any customer who fits those characteristics will get low rates and is almost guaranteed to cut their rates if they switch.

Insureds who don’t qualify for the ideal profile will probably have to pay a higher premium and this results in the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can confidently make the claims of big savings.

This emphasizes why drivers must compare quotes as often as possible. It is impossible to predict which insurance company will have the lowest rates.

Parts of your insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, fire damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Kia Sephia.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, funeral costs, nursing services and chiropractic care. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

This covers damage to your Sephia from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, crashing into a building, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damage that occurs to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Best coverage at the best price

We covered a lot of information how to save on 1994 Kia Sephia insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from a small local company. Regional companies often have lower premium rates on specific markets than their larger competitors like GEICO and State Farm.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed collision coverage only to discover later that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

More detailed auto insurance information can be found in the articles below: