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Kia Sephia Insurance Cost

There are many options when shopping for car insurance for your Kia vehicle. You can get prices from an agent or price shop online to compare insurance costs of multiple insurance companies. Buying car insurance on the web is simple to do and there is a good chance you can save money.

Shopping online for car insurance can be a challenge if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find the cheapest Sephia insurance rates is to get quotes online. This can be accomplished by getting a quick quote here.

FREE Car Insurance Comparison

Car insurance premiums paid to insure a Kia Sephia can vary widely subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Mature drivers pay less
  • Being married may save money
  • Extra coverages like towing and rental
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor that helps determine Sephia insurance cost is the year of the vehicle. Older models cost less than newer models so the costs to repair can decrease annual premiums. But new Kia models may have safety features including a telematics system, blind-spot warning system, and sideview assist mirrors which can help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Sephia below.

Liability car insurance

Sephia liability coverage provides protection from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Kia Sephia Insurance Rates?