Lower Your 2010 Kia Sedona Car Insurance Rates

Overwhelmed by the number of car insurance options? You have a lot of company. You have so many options that it can quickly become a ton of work to find the best price.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. But car owners can benefit from knowing how companies market insurance on the web and take advantage of how the system works.

Discounts on 2010 Kia Sedona insurance

Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Sedona insurance.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Government Employees – Active or retired federal employment can save as much as 8% for Sedona insurance depending on your company.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers with the best insurance coverage discounts, click this link.

Kia Sedona insurance rates are influenced by…

Consumers need to have an understanding of the factors that help determine insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to big savings.

The following are a partial list of the pieces companies use to determine prices.

  • Discounts for married couples – Having a wife or husband actually saves money on your policy. Having a spouse translates into being more responsible and it’s statistically proven that married couples file fewer claims.
  • Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages you can purchase if you aren’t careful. Insurance for roadside assistance, better glass coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Older drivers save more – Teenage drivers tend to get distracted easily behind the wheel so insurance coverage rates are higher. Having to add a young driver onto a policy can be quite pricey. Older drivers are more responsible, file fewer claims and are safer drivers.
  • Pleasure use or commuting – The higher the mileage driven each year the more you will pay for insurance coverage. Almost all companies apply a rate determined by how the vehicle is used. Autos left parked in the garage get more affordable rates compared to those used for work or business. An improperly rated Sedona may be wasting your money. Make sure your insurance coverage declarations sheet shows the correct usage for each vehicle.
  • More claims means more premium – Insurance companies provide discounts to drivers who file claims infrequently. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

Tailor your coverage to you

When buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I benefit by insuring my home with the same company?
  • Does my personal policy cover me when driving out-of-state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover my teen driver if they drive my company car?
  • Is rental equipment covered for theft or damage?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

How can State Farm, Allstate and Geico save drivers who switch?

Companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads make the same claim that you can save if you switch your policy. But how can every company make the same claim?

All companies can use profiling for the driver that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A propective insured that hits that “sweet spot” will get very good rates and therefore will save quite a bit of money when switching.

Potential insureds who do not match these standards will be quoted more money and this can result in business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can make those claims. This emphasizes why you need to compare as many rates as you can. It is impossible to predict which company will provide you with the cheapest Kia Sedona insurance rates.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hail damage, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, doctor visits, dental work, prosthetic devices and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as structural damage, loss of income, bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Auto collision coverage

This covers damage to your Sedona caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sedona.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Get your money’s worth

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

Cost effective 2010 Kia Sedona insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More detailed car insurance information can be found at these sites: