Save on 2006 Kia Sedona Insurance Quotes

Looking for lower auto insurance rates for your Kia Sedona? Feel like you have an underperforming, overpriced auto insurance policy? Say no more because there are many drivers thinking the same thing.

Big-name insurance companies like GEICO and Progressive constantly bombard you with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

You need to compare premium rates yearly due to the fact that insurance rates fluctuate regularly. Even if you got the best premium rates for Sedona coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best methods to find the best coverage while lowering your premiums.

Discount insurance rates

Auto insurance companies don’t always advertise all their discounts very clearly, so the list below contains a few of the more well known and the more hidden credits that you can use to lower your rates.

  • Discount for New Cars – Buying a new car model can save you some money due to better safety requirements for newer vehicles.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for Sedona coverage but check with your company.
  • Student Discounts – This discount may save you up to 25%. The discount lasts until age 25.
  • Active Service Discounts – Being deployed with a military unit may lower your prices slightly.
  • Accident Waiver – This one isn’t a discount, but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will cut your policy cost.

If you would like to view providers with significant discounts, click this link.

How to compare auto insurance quotes

There are a variety of methods to compare auto insurance prices but there is one way that is less time-consuming than others. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company can give them a price for coverage. This system prevents you from having to do quote forms to every company. To find out how much you’re overpaying now click to open in new window.

The one downside to using this type of system is you are unable to specify the insurers to receive prices from. If you wish to select individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just be certain you are entering the same information for each comparison quote. If you enter unequal deductibles or liability limits it’s not possible to make an equal comparison. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when comparing auto insurance rates, know that comparing more quotes helps you find a better price. Some regional insurers cannot provide online rate quotes, so you also need to get price quotes from those companies as well.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Why am I required to buy liability insurance?
  • Should I carry comprehensive and collision coverage?
  • Do I have coverage when making deliveries for my home business?
  • Can I afford to buy a different vehicle if my 2006 Kia Sedona is totaled?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I force my company to pay a claim?
  • Does insurance cover tools stolen from my truck?
  • Do I need roadside assistance coverage?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Liability car insurance

Liability coverage can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, structural damage, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sedona.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects, damage from getting keyed, theft and fire damage. The highest amount a car insurance company will pay at claim time 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.

Collision coverage

This will pay to fix damage to your Sedona resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as surgery, ambulance fees, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Final thoughts

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In many cases, an insured cut uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

Cheap 2006 Kia Sedona insurance is possible from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not have internet price quotes and many times these smaller companies work with independent agents.

More detailed insurance coverage information is available at these sites: