2008 Kia Sedona Insurance Rates – 10 Tricks for Best Quotes

Car insurance shoppers not familiar with shopping for insurance online may find sourcing low cost car insurance is very challenging.

It’s a good habit to shop coverage around periodically because auto insurance rates trend upward over time. Just because you had the best rate on Sedona insurance at your last renewal other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance out there, but we’re going to give you some guaranteed methods to stop overpaying for insurance.

Insurance policy discounts you can’t miss

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we took the time to find a few of the more common as well as some of the hidden credits that may apply to you.

  • Homeowners Savings – Owning a home can save you money since owning and maintaining a home requires personal responsibility.
  • Student in College – Kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Theft Deterent System – Vehicles with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Mature Driver Discount – Seniors may be able to get lower premium rates on Sedona insurance.
  • Memberships – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
  • Multi-policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of approximately 10% to 15%.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
  • Accident Waiver – This one isn’t a discount, but companies like Allstate and Progressive may permit one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Telematics Discount – Policyholders that allow companies to monitor their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

Companies and some of their more popular discounts can be found below.

  • American Family includes discounts for mySafetyValet, bundled insurance, good driver, early bird, accident-free, air bags, and good student.
  • Nationwide offers discounts including anti-theft, accident-free, good student, Farm Bureau membership, family plan, and defensive driving.
  • MetLife discounts include good driver, good student, accident-free, multi-policy, claim-free, and defensive driver.
  • 21st Century may have discounts that include theft prevention, 55 and older, automatic seat belts, teen driver, defensive driver, driver training, and homeowners.
  • Farmers Insurance may offer discounts for early shopping, alternative fuel, homeowner, good student, and pay in full.
  • Allstate offers premium reductions for anti-theft, premier discount, teenSMART discount, FullPay discount, and new car.

Before you buy a policy, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To see providers that have a full spectrum of discounts, click here.

Compare auto insurance rates

There are multiple methods to compare auto insurance quotes, but there is one way that is less time-consuming than others. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in an industry program that enables customers to submit one quote, and each participating company provides a quote for coverage. This prevents consumers from doing quote forms for every auto insurance company. To compare rates now click here to open in new window.

The only drawback to using this type of form is you don’t know exactly which companies to get pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be certain you are entering identical coverage information on every quote you get. If you are comparing higher or lower deductibles you will not be able to determine which company has the best rates. Just a small difference in insurance coverages or limits could skew the results. Just keep in mind that comparing a large number of companies increases your odds of finding the best price.

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help you determine if your situation might need professional guidance.

  • Are my friends covered when driving my 2008 Kia Sedona?
  • Do I need roadside assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • When would I need additional glass coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • How do I buy GAP insurance?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Insurance specifics

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, fire damage, damage from flooding and damage from getting keyed. The highest amount your insurance company will pay 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.

Auto collision coverage

Collision coverage pays for damage to your Sedona caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like surgery, hospital visits, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Sedona.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, loss of income, medical expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Don’t be a big spender

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, denial of a claim or even being labeled a high risk driver. Whatever your reason, finding a great new company can be easy and end up saving you some money.

As you prepare to switch companies, you should never buy poor coverage just to save money. There are a lot of situations where someone dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

Throughout this article, we presented some good ideas how you can compare 2008 Kia Sedona insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company.

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