Cheaper 1995 Kia Sephia Insurance Quotes

Trying to find lower car insurance rates for your Kia Sephia? Did a good deal turn into high-priced car insurance? Say no more because there are many people just like you. People have so many insurance companies to insure vehicles with, and though it is a good thing to have a choice, having more insurance companies makes it harder to find the best rates.

Finding insurance

There are a lot of ways you can shop for insurance but one way is more efficient than others. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing for coverage. This eliminates the need for form submissions for each company you want a rate for.

To use this form to compare rates click to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose the insurers you want to price. So if you prefer to choose from a list of companies to compare, we have a listing of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you are using identical coverages with every price quote. If you enter higher or lower deductibles you will not be able to truly determine the lowest rate.

Insurance coverage can get complicated

When choosing the best insurance coverage coverage, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Is my 1995 Kia Sephia covered for flood damage?
  • How much liability do I need to cover my assets?
  • Is my teenager covered with friends in the car?
  • Who is covered by my policy?
  • How many claims can I have before being cancelled?
  • Is a blown tire covered by insurance?
  • Am I covered when driving a rental car?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision insurance

This will pay to fix damage to your Sephia caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, hitting a mailbox, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a deer, a tree branch falling on your vehicle and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, pain and suffering, medical expenses, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1995 Kia Sephia.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as funeral costs, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible