Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many consumers feeling the pinch from expensive car insurance.
You have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, it can be more difficult to find the best rates for your vehicles.
You should take the time to do rate comparisons every six months due to the fact that insurance rates tend to go up over time. Even if you think you had the best price on Sedona insurance two years ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.
Pricing the lowest cost protection is not that difficult. Basically, everyone who is shopping for car insurance should be able to cut their insurance bill. Although consumers do need to understand the methods companies use to price insurance differently and take advantage of how the system works.
Compare Car Insurance Today
Shopping for lower car insurance rates is a ton of work if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.
Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do form submissions for each company.
To fill out one form to compare multiple rates now click to open in new window.
The one downside to using this type of system is you are unable to specify which companies to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but double check that you are using exactly the same coverage information for each comparison quote. If your comparisons have higher or lower deductibles it will be very difficult to find the best deal for your Kia Sedona. Quoting even small variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, more quotes will increase your chances of finding a better price.
Factors that might impact rates for a Kia Sedona
An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.
- Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
- Older drivers save more – More mature drivers are more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.
- Rate your vehicle for proper use – The more miles you rack up on your Kia each year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Cars used primarily for pleasure use receive lower rates than those used for commuting. Improper usage on your Sedona can cost quite a bit. Double check that your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
- Keep rates low by being claim-free – Companies generally give cheaper rates to insureds who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for larger claims.
- Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Occupations such as real estate brokers, architects and financial analysts tend to pay higher average rates attributed to stressful work requirements and long work hours. Conversely, professions such as actors, engineers and homemakers have the lowest average rates on Sedona insurance.
Take discounts and save
The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Most are applied at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
- Employee of Federal Government – Simply working for the federal government can save as much as 8% on Sedona insurance with certain companies.
- Defensive Driving Course – Taking part in a defensive driving course could save 5% or more if your company offers it.
- Accident Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will reduce your premiums.
For a list of insurers with discount car insurance rates, click this link.
Your coverage should be tailored to you
When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight whether or not you would benefit from professional advice.
- Does my insurance cover damage caused when ticketed for reckless driving?
- Should I buy only the required minimum liability coverage?
- What is high-risk coverage and where do I buy it?
- Is there coverage for injuries to my pets?
- Is business property covered if stolen from my car?
- Do I get a pro-rated refund if I cancel my policy early?
- Do I need PIP coverage since I have good health insurance?
- Do all my vehicles need collision coverage?
- Is my nanny covered when driving my vehicle?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
But I prefer to buy car insurance from an agent
Certain consumers would prefer to sit down with an agent and that is a personal choice. One of the best bonuses of getting online price quotes is you can get better rates but still work with a licensed agent. And supporting local businesses is important especially in smaller communities.
To make it easy to find an agent, after completing this short form, the quote information is transmitted to participating agents who will compete for your business. You never need to visit any agencies due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find better rates and a licensed agent to work with.
If you want to view licensed agents in your state, visit this page.
Deciding on a company shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Are they properly licensed to sell insurance in your state?
- Does the agency provide any after hours assistance?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Can they give you a list of client referrals?
- Does the agency support the community they serve?
Upon getting good answers to any questions you have as well as a affordable price, you may have just found a company that will insure your vehicles.
More comparisons equals lower rates
Cheaper Kia Sedona insurance can be purchased both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.
While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
