1996 Kia Sephia Insurance Quotes – 8 Tips to Save

Consumers have a choice when looking for the best price on Kia Sephia insurance. You can either waste hours contacting agents to compare prices or use the internet to make rate comparisons. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to quote coverages for a new or used Kia and find the cheapest rates.

It’s important to do rate comparisons yearly since rates change quite often. Even if you got the best price for Sephia insurance a few years ago you may be paying too much now. You can find a lot of misleading information regarding insurance coverage on the web, but we’re going to give you some excellent ideas to stop overpaying for insurance.

Low Cost Car Insurance

There are a lot of ways to shop for car insurance, and some are less labor-intensive and much quicker. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and every company provides a quote based on that data. This prevents consumers from doing quote requests to each company.

To compare 1996 Kia Sephia rates using this form now click here to start a free quote.

The only drawback to getting quotes like this is that you can’t choose the companies to receive prices from. If you would rather choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use exactly the same coverages on every quote you get. If your comparisons have differing limits it will be very difficult to decipher which rate is best.

Advertising myths

Consumers get pounded daily by advertisements for car insurance savings from companies such as Geico, State Farm and Progressive. All the companies make an identical promise about savings if you switch your policy.

How do they all claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. An example of a preferred risk could be between the ages of 30 and 50, is a homeowner, and has excellent credit. Any new insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Consumers who fall outside these standards must pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That is how companies can truthfully advertise the savings. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

Discounts mean cheaper 1996 Kia Sephia insurance rates

Auto insurance companies don’t always advertise all available discounts very well, so we took the time to find both the well known as well as the least known auto insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Club Memberships – Participating in certain professional organizations could qualify you for a break when buying auto insurance for Sephia insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Sephia insurance with a few auto insurance companies.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Low Mileage Discounts – Fewer annual miles on your Kia could qualify for a substantially lower rate.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.

It’s important to note that some credits don’t apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

Car insurance companies that possibly offer these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Does liability extend to a camper or trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my cargo covered for damage or theft?
  • Should I sign the liability waiver when renting a car?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Insurance specifics

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist 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 injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims like fire damage, a broken windshield and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, 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 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, pain and suffering, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, EMT expenses, doctor visits and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your Sephia caused by 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 scraping a guard rail, sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Final thoughts

Consumers leave their current company for a number of reasons such as policy non-renewal, denial of a claim, not issuing a premium refund and even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is not as hard as you think.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In many cases, an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

The cheapest 1996 Kia Sephia insurance is possible online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

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