Cheap 2009 Kia Sedona Insurance Rates

If you are a novice to online car insurance shopping, it’s easy to get confused by the hoards of car insurance companies vying for business.

Consumers should take time to do rate comparisons every six months since rates fluctuate regularly. Even if you think you had the best rates on Sedona coverage a year ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Although car owners must understand the methods companies use to market on the web and apply this information to your search.

How to Compare Insurance Coverage Costs

There are several ways of comparing rates from local insurance coverage companies. By far the easiest way to find the lowest 2009 Kia Sedona rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing boring form submissions for every insurance coverage company. One form submission gets rate comparisons from many national carriers. It’s definitely the quickest method.
  2. A different way to find lower rates is to manually visit each individual company website to complete a price quote. For examples sake, let’s say you want to compare Liberty Mutual, Geico and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but double check that you are using exactly the same coverage limits and deductibles for every company. If the quotes have different limits and deductibles on each one you can’t possibly determine which rate is truly the best. Quoting even small variations in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies will increase your chances of finding the best offered rates.

Don’t pay full price with these discounts

Auto insurance companies don’t list all their discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.

  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.
  • Organization Discounts – Participating in a qualifying organization may earn a discount on auto insurance on Sedona coverage.
  • Claim Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – When you have multiple policies with one company you may save 10% to 20% off each policy.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because owning a home requires personal responsibility.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Savings might not be offered in your state.

Your personal situation dictates your coverage

When choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Are my friends covered when driving my 2009 Kia Sedona?
  • Can I still get insurance after a DUI?
  • Why do I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • Am I covered if I wreck a rental car?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Why your Kia Sedona insurance rates may be high

It’s important that you understand the factors that go into determining your car insurance rates. Knowing what determines base rates enables informed choices that could result in better car insurance rates.

Listed below are some of the items car insurance companies consider when setting premiums.

  • Your location affects your rates – Being located in less populated areas has it’s advantages when insuring your vehicles. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, executives and dentists tend to pay the highest average rates due to stressful work requirements and long work days. Other professions such as pilots, historians and retirees have the lowest average rates on Sedona coverage.
  • A clean driving record saves money – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one ticket can bump up the cost by as much as thirty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Save money with special equipment – Driving a car with an alarm system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Kia scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Discounts for married couples – Having a spouse actually saves money on your policy. Marriage is viewed as being more mature it has been statistically shown that drivers who are married are more cautious.
  • Policy add-ons can waste money – There are many extra bells and whistles that you can get tricked into buying on your 2009 Sedona policy. Insurance for rental car reimbursement, accidental death and term life insurance may be wasting your money. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Always keep insurance in force – Allowing your car insurance policy to lapse will be a guaranteed way to bump up your car insurance costs. Not only will you pay more, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.

Don’t be fooled by advertising claims

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. They all say the same thing about savings if you switch your policy. But how can every company make almost identical claims?

Different companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer could possibly be between 25 and 40, owns a home, and chooses high deductibles. A customer who fits that profile will get the preferred rates and therefore will save when switching.

Consumers who fall outside these standards must pay higher premiums and this can result in business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently claim big savings. This illustrates why you need to get as many comparisons as possible. Because you never know which insurance companies will fit your personal profile best.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability – This coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, attorney fees, emergency aid and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage covers damage to your Sedona from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, rolling your car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Sedona.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Be Smart and Buy Smart

The cheapest 2009 Kia Sedona insurance is available online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Consumers switch companies for a variety of reasons including not issuing a premium refund, unfair underwriting practices, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, switching auto insurance companies is easier than you think.

When buying insurance coverage, do not reduce needed coverages to save money. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price.

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