2017 Kia Sedona Insurance Rates

Want lower insurance coverage rates? Drivers have many options when trying to find low-cost Kia Sedona insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage and you need to know the best way to compare rates for a Kia and obtain the cheapest rates either online or from local insurance agents.

How to compare auto insurance quotes

There are a variety of methods to shop for auto insurance, and some are more efficient than others. You could waste time talking to agents in your area, or you could use the web to get prices fast.

Many of the larger companies participate in a marketplace that allows shoppers to submit their information once, and each participating company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to using this type of system is you can’t choose the companies you want to price. So if you want to choose specific providers to compare, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using the exact same coverage information on every quote you get. If the quotes have different limits and deductibles on each one it will be next to impossible to get a fair rate comparison.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

• Can I drive in Mexico and have coverage?
• Does coverage extend to a rental car in a foreign country?
• Do I have newly-aquired coverage?
• Is a blown tire covered by insurance?
• Do I benefit by insuring my home with the same company?
• Do I really need UM/UIM coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Insurance coverages explained

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

Liability 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 your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, funeral expenses, emergency aid, medical services and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your Sedona resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, hitting a mailbox, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2017 Kia Sedona.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, chiropractic care, hospital visits, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from flooding, vandalism and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.