2000 Kia Sephia Car Insurance Quotes – 8 Ways to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive car insurance.

Numerous insurance companies battle for your business, so it’s not easy to compare every insurance company to get the lowest cost out there.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be asked about prior to receiving the credit.

  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • E-sign – A few companies will give a small break for buying a policy and signing up online.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Sephia coverage depending on your company.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.

A partial list of companies who might offer these benefits are:

Check with each insurance company which discounts you may be entitled to. Discounts might not apply in every state.

Car Insurance Comparisons

All the larger car insurance companies give price estimates online. Getting online quotes doesn’t take much effort as you simply type in the coverages you want as detailed in the form. Behind the scenes, their rating system collects credit information and your driving record and quotes a price. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to find the best price on car insurance.

A more efficient way to find better car insurance pricing uses one simple form to get prices from more than one company. It saves time, helps eliminate reptitive entry, and makes comparison shopping much easier to do. After sending the form, it is rated with multiple companies and you can pick any or none of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To compare rates using this form now, click here and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits just like they are on your policy. Doing this assures you will have a rate comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit a deer?
  • Will my insurance pay for OEM parts?
  • Do I need roadside assistance coverage?
  • Do I have coverage when making deliveries for my home business?
  • How can I force my company to pay a claim?
  • Are rock chip repairs covered?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Advertising myths

Insurance providers like State Farm, Geico and Progressive consistently run ads on television and other media. They all say the same thing that you can save if you change your coverage to them. How can each company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who don’t meet the “perfect” profile will be charged higher rates which leads to business not being written. The ads say “people who switch” not “everybody who quotes” save that much money. This is how companies can make those claims.

That is why you should get a wide range of price quotes. It’s impossible to know which insurance company will fit your personal profile best.

Learn about car insurance coverages for a Kia Sephia

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability – This coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, attorney fees, court costs, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Kia Sephia.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like rehabilitation expenses, dental work, nursing services, funeral costs and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, damaging your car on a curb, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, 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.

Take this to the bank

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where someone dropped comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Budget-conscious 2000 Kia Sephia insurance can be purchased from both online companies as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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