2014 Kia Sedona Insurance Quotes

Shopping for the cheapest insurance coverage might sound like a lofty goal if you haven’t ever compared insurance using online rate comparisons. But don’t be dismayed because we’re going to show you how.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to save some money using these tips. Although drivers must know how the larger insurance companies price insurance differently and take advantage of how the system works.

Cheapest car insurance price quotes

When shopping for car insurance there are multiple ways to compare prices from companies that offer car insurance in your state. By far the easiest way to compare Kia Sedona insurance prices is to use the internet to compare rates. This is quite simple and can be completed in several different ways.

1. The most efficient method to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for a different quote for each price estimate. One form submission compares rates direct from many companies. This is by far the quickest method.
2. A less efficient way to find better pricing is going to the website for every company you want to comare and go through the quote process again. For sake of this example, let’s assume you want comparison quotes from Auto-Owners, Farmers and Liberty Mutual. You would be required to take the time to go to each site and enter your policy data, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.
3. The old school way to compare price estimates is making phone calls or going to and from local insurance agencies. Doing it all online can eliminate the need for a local agent unless you prefer the professional advice that you can only get from talking to an agent. You can, however, price shop your coverage online but have your policy serviced through an agent.

Take whichever approach you prefer, but do your best to use the exact same quote data on every quote. If you are comparing different deductibles it will be nearly impossible to make a fair comparison for your Kia Sedona. Even a minor difference in limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates will improve the odds of getting more affordable rates.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might point out whether you could use an agent’s help.

• Am I covered if I drive in a foreign country?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my car insurance cover rental cars?
• Should I bundle my homeowners policy with my auto?
• Is my Kia Sedona covered if I use it for business?
• How high should my medical payments coverage be?
• Does my medical payments coverage pay my health insurance deductible?
• Does car insurance cover theft of personal property?
• Does liability extend to a camper or trailer?
• Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage basics

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability – This coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, attorney fees, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses for pain medications, rehabilitation expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – This coverage pays for damage to your Sedona from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, colliding with a tree, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.