1997 Kia Sephia Insurance Rates – 6 Ideas for Cheaper Quotes

Purchasing budget-priced insurance coverage over the internet can be challenging for people who are new to shopping for insurance online. Because there are so many online companies, how are people able to have the ability to compare the different rates to find the lowest rates?

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Buying the cheapest insurance coverage is simple if you know the tricks. But vehicle owners do need to know the methods companies use to compete online and apply this information to your search.

Don’t miss these six premium-slashing discounts

Companies don’t always publicize the entire discount list very clearly, so the below list has a few of the more well known and also the more inconspicuous insurance savings.

  • Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on a single policy can get a discount for every vehicle.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings up to 30%.
  • Service Members Pay Less – Being deployed with a military unit could mean lower prices.
  • Defensive Driving Course – Taking a course teaching defensive driving skills may get you a small discount and easily recoup the cost of the course.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.

Don’t be shocked that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Even though the math looks like adding up those discounts means a free policy, you’re out of luck.

The best insurance companies and the discounts they provide are included below.

  • AAA policyholders can earn discounts including AAA membership discount, good student, good driver, education and occupation, and multi-policy.
  • Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, multi-policy, online signing, and good student.
  • State Farm has savings for accident-free, passive restraint, driver’s education, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and multiple policy.
  • Esurance offers premium reductions for defensive driver, anti-lock brakes, online quote, DriveSense, and Switch & Save.
  • Nationwide may have discounts that include accident-free, Farm Bureau membership, family plan, easy pay, defensive driving, anti-theft, and good student.

Double check with all the companies which discounts you may be entitled to. Some discounts listed above might not apply in your area. To see a list of insurers with the best insurance discounts, follow this link.

Do insurance coverage companies bend the truth?

State Farm, Allstate and GEICO regularly use ads in print and on television. All the companies try to convey promises that people will save just by switching your coverage to them. How is it possible that every company can charge lower premium rates? Here is the trick they use.

Insurance providers quote their best rates for the type of driver that will not have excessive claims. For instance, this type of driver could possibly be a married female, is a homeowner, and has a short commute. Any driver who matches that profile will get the preferred rates and as a result will probably save money with a new company.

Potential insureds who do not fit those criteria may be required to pay higher prices which translates to business not being written. The ads state “drivers that switch” not “all people who quote” save that much money. That is how insurance companies can make the claims of big savings.

Because every company is different, drivers should do a rate comparison at every renewal. You cannot predict which company will be your best fit.

Do I need special coverages?

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation might need professional guidance.

  • Am I missing any policy discounts?
  • How much can I save by bundling my policies?
  • Am I covered when using my vehicle for business?
  • Will my rates increase for filing one claim?
  • How many claims can I have before being cancelled?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer 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.

Coverage specifics

Knowing the specifics of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision insurance

Collision coverage pays for damage to your Sephia from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three 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 $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1997 Kia Sephia.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

At the end of the day…

Insureds switch companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, an unsatisfactory settlement offer and poor customer service. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

Cheaper 1997 Kia Sephia insurance can be bought both online and with local insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some auto insurance companies may not provide internet price quotes and most of the time these smaller providers only sell through local independent agencies.

When you buy insurance coverage online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best possible price and still be able to protect your assets.

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