Save on 2001 Kia Sephia Insurance Quotes

If online insurance comparisons are new to you, chances are good that you are overwhelmed by the large number of online companies who all claim to have the lowest rates.

How to compare insurance quotes

Most larger insurance companies like Progressive, Allstate and GEICO make it easy to get prices for coverage from their websites. Getting quotes can be done by anyone because you just enter your required coverages on the page. Behind the scenes, the system makes automated requests for your driving record and credit report and generates a price.

Quoting online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same data is monotonous and tiresome. But it’s absolutely necessary to do this if you want to get the best price possible.

An easier way to locate the lowest prices requires only one form to return rates from a lot of companies. The form is fast, reduces the work, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is quoted with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and can result in significant savings.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in your coverages exactly as shown on your declarations page. This ensures you will get a fair comparison for the exact same coverage.

Insurance coverage discounts are available to slash your rates

Car insurance can cost a lot, but you may qualify for discounts that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but a few must be specially asked for prior to getting the savings.

  • Claim-Free Discount – Drivers with accident-free driving histories get the best insurance coverage rates when compared with drivers who are more careless.
  • Discount for New Cars – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
  • Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
  • Defensive Driving Course – Participating in a defensive driving class can save you 5% or more and easily recoup the cost of the course.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Companies and some of the discounts can be found below.

  • State Farm has discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, accident-free, defensive driving training, and student away at school.
  • GEICO includes discounts for daytime running lights, membership and employees, multi-policy, air bags, and good student.
  • Progressive offers discounts including good student, multi-vehicle, online signing, online quote discount, multi-policy, and continuous coverage.
  • 21st Century has savings for defensive driver, teen driver, 55 and older, automatic seat belts, driver training, and air bags.
  • American Family may offer discounts for good student, multi-vehicle, accident-free, bundled insurance, early bird, and air bags.
  • The Hartford discounts include bundle, defensive driver, anti-theft, vehicle fuel type, driver training, air bag, and good student.
  • AAA offers premium reductions for anti-theft, good driver, education and occupation, multi-policy, and multi-car.

Before buying, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders everywhere. To locate insurance companies who offer insurance coverage discounts, click here to view.

Everyone needs different auto insurance coverages

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Is a blown tire covered by insurance?
  • Can my babysitter drive my car?
  • Am I covered when driving in Canada or Mexico?
  • What happens if I owe more than my 2001 Kia Sephia is worth?
  • Does my 2001 Kia Sephia qualify for pleasure use?
  • When does my teenage driver need to be added to my policy?
  • When can I cancel my policy?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Get cheaper insurance premiums by understanding these factors

Many things are used when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are less obvious such as your credit history or how safe your car is.

The following are some of the most rate-impacting factors that factor into your rate level.

  • Cut rates and deter theft – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Defend yourself with liability coverage – Liability coverage will afford coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Poor credit decisions can cost you – An insured’s credit history is a large factor in determining your rates. Drivers with very high credit ratings tend to file fewer claims than drivers who have worse credit. If your credit rating is not that good, you could potentially save money when insuring your 2001 Kia Sephia by improving your rating.
  • Gaps in coverage mean higher prices – Driving with no insurance is illegal and any future policy may cost more because you let your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license.
  • Save money by eliminating extra policy coverages – There are a ton of extra bells and whistles that sound like a good idea at the time but may not be useful. Coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage could be just wasting money. They may seem good when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.
  • Married drivers pay less – Having a significant other may earn you lower rates when buying auto insurance. Having a spouse generally demonstrates drivers are less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
  • Better drivers have lower prices – Careful drivers receive lower rates than their less careful counterparts. Only having one moving violation could increase your next policy renewal forty percent or more. Drivers with serious violations such as hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

Are you falling for claims of savings?

Respected companies like Progressive, Allstate and GEICO regularly use ads on television and other media. They all seem to make an identical promise of big savings if you move your policy. How is it plausible that every one can charge you a lower premium? It’s all in the numbers.

All the different companies have strict underwriting profiles for the type of insured that will be a good risk. A good example of a profitable customer might be described as a female over age 40, carries high limits, and drives less than 10,000 miles a year. Anybody that fits those parameters may get the lowest car insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who cannot meet this ideal profile will get higher premium rates which results in the customer buying from a different company. If you pay attention, the ads say “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can make it sound like they have such great premium rates. That is why you really should do a price quote comparison at every renewal. It’s just not possible to know the company that will be your best fit.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability

This coverage protects you from damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2001 Kia Sephia.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims like hitting a bird, hail damage, fire damage and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like chiropractic care, surgery, nursing services and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

More quotes mean more savings

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best price.

We just showed you some good ideas how to lower your 2001 Kia Sephia insurance rates. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a small mutual company.

Affordable 2001 Kia Sephia insurance is available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not have internet price quotes and these smaller providers work with independent agents.

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