View 2005 Kia Sedona Insurance Quotes

Nobody I know likes paying for car insurance, especially knowing they are paying too much.

You have multiple insurance companies to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to compare rates and find the lowest cost car insurance.

This information will let you in on the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. But car owners should learn the way insurance companies sell online and apply this information to your search.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but a few need to be asked for before you will receive the discount.

  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Sedona insurance than their less cautious counterparts.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

To see a list of insurance companies with discount car insurance rates, follow this link.

How much car insurance do I need?

When it comes to buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • When should I remove comp and collision on my 2005 Kia Sedona?
  • Does coverage extend to Mexico or Canada?
  • Do I pay less for low miles?
  • What should my uninsured motorist coverage limits be in my state?
  • When would I need rental car insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability auto insurance – Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, bail bonds and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Sedona resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like rehabilitation expenses, EMT expenses, X-ray expenses, funeral costs and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Sedona.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Final thoughts

We just covered a lot of ways to get a better price on 2005 Kia Sedona insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced collision coverage and learned later that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Helpful resources