Buyers have lots of choices when searching for the best price on Kia Sephia insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to get rate quotes. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Kia and locate the lowest price either online or from local insurance agents.
If you have a policy now or need new coverage, you can use this information to reduce the price you pay and still get good coverage. The purpose of this post is to tell you the most effective way to quote insurance and some tips to save money. Drivers just need to know the tricks to buy car insurance online.
Comparison of Car Insurance
There are several ways to shop for car insurance, but some are less time-consuming than others. You could waste time talking about coverages with insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.
Most of the best insurance companies belong to an insurance system that enables customers to enter their policy data once, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to each company.
To participate in this free quote system, click here to open in new window.
The single downside to using this type of system is buyers cannot specifically choose the companies to get quotes from. If you wish to select individual companies to compare rates, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.
Which method you use is up to you, but ensure you’re using exactly the same quote information on every quote you get. If the quotes have mixed coverages it’s impossible to determine the lowest rate for your Kia Sephia.
More discounts equal less premium
Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Service Members Pay Less – Being deployed with a military unit could mean lower rates.
- Distant Student – Children living away from home attending college and do not have a car may be able to be covered for less.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Accident Free – Claim-free drivers pay much less when compared with bad drivers.
- Defensive Driver – Taking part in a driver safety course can save you 5% or more if you qualify.
- Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
- Government Employees – Simply working for the federal government can save as much as 8% on Sephia insurance depending on your company.
A little note about advertised discounts, many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.
To see a list of companies offering car insurance discounts, click this link.
Parts of the Kia Sephia rate equation
An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.
The following are some of the items used by your company to calculate premiums.
- Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Kia. Some instances where coverage would apply would be collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more you are required to pay out-of-pocket, the bigger discount you will receive on Sephia insurance.
- Little extras can really add up – There are a lot of extra bells and whistles that you can get tricked into buying on your Sephia policy. Coverages like rental car reimbursement, accidental death and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so get rid of them and save.
- Your location affects your rates – Being located in a small town can save you money when talking about car insurance. Fewer drivers means reduced accidents and a lower car theft rate. Drivers who live in large cities have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
- Liability coverage is peace of mind – Liability coverage will protect you when you are found liable for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
- The more you drive the more you pay – The higher the mileage driven each year the more you will pay for car insurance. Most companies apply a rate based on their usage. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Sephia can cost quite a bit. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle.
More quotes mean more savings
Budget-conscious Kia Sephia insurance is definitely available online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
We just showed you many tips how you can save on Kia Sephia insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.
