How Much Does 1998 Kia Sephia Insurance Cost?

Shoppers have a choice when shopping for low-cost Kia Sephia insurance. You can either spend your time contacting agents getting price quotes or use the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to compare rates on a Kia and find the lowest possible price.

Kia Sephia insurance rates are influenced by…

It’s important that you understand some of the elements that help determine the price you pay for insurance coverage. Knowing what influences your rates enables informed choices that can help you get better insurance coverage rates.

The following are a partial list of the pieces insurance coverage companies consider when setting your rates.

  • Tickets mean higher rates – Even one speeding ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • What are your deductibles? – Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The higher the amount you’re willing to pay, the less your insurance coverage will be on Sephia coverage.
  • How many coverages with the same company – Most insurers provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to verify if the discount is saving money.
  • Being married can save on insurance coverage – Being married helps lower the price on your insurance coverage policy. Marriage translates into being more mature and statistics show married couples file fewer claims.
  • Don’t skimp on liability – Liability coverage provides coverage if you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.

Save on Kia Sephia insurance

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so we took the time to find both the well known and the more hidden insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Government Employees – Active or retired federal employment may qualify you for a discount on Sephia coverage with a few insurance companies.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Sephia coverage.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Homeowners Savings – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application online.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free insurance policy, you won’t be that lucky.

For a list of insurance companies with discount insurance rates, click this link.

Save $485 a year. For real?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and Geico. All the ads have a common claim that you can save after switching your coverage to them.

How does each company make almost identical claims?

Different companies can use profiling for the type of driver they prefer to insure. For example, a driver they prefer might be a mature driver, a clean driving record, and has great credit. Any driver who matches those parameters receives the best rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the way they do. That is why drivers must compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Kia Sephia insurance rates.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • How can I find cheaper teen driver insurance?
  • Why am I required to buy liability insurance?
  • Does insurance cover damages from a DUI accident?
  • What is high-risk coverage and where do I buy it?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, attorney fees, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – Collision coverage pays for damage to your Sephia from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, hitting a bird, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Stretch your dollar

We just covered many tips how you can compare 1998 Kia Sephia insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the most savings is with an unexpected company.

Affordable insurance can be bought both online as well as from independent agents, so you should compare both to have the best rate selection. There are still a few companies who don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

People leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or even delays in paying claims. Regardless of your reason, switching companies is actually quite simple.

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