View 1998 Kia Sephia Insurance Rates

Want lower insurance coverage rates for your Kia Sephia? Have you fallen victim to overpriced insurance coverage? You’re in good company because there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Companies like Allstate and Progressive all promote huge savings with advertising and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

You should take the time to get comparison quotes once or twice a year because insurance coverage prices are usually higher with each renewal. If you had the best price for Sephia coverage last year you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best way to buy cheaper insurance coverage.

Compare quotes for auto insurance

Comparing auto insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize online quoting for quick rates.

Many popular insurance companies belong to an insurance system that enables customers to submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions to each company.

To access this free quoting program, click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the insurers you want pricing from. If you prefer to choose from a list of companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare the same coverage data for each price quote. If each company quotes different coverage information it will be impossible to determine the lowest rate for your Kia Sephia.

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Do you qualify for discount car insurance?

Some providers don’t list the complete list of policy discounts very clearly, so we break down a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

• Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little off the personal injury premium cost.
• No Claims – Claim-free drivers pay much less compared to policyholders that have many claims.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% and get you inexpensive insurance.
• Discount for Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
• Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
• Driver Safety – Successfully completing a class that teaches driver safety techniques could cut 5% off your bill and easily recoup the cost of the course.
• Switch and Save Discount – Some insurance companies give discounts for renewing your policy before your current expiration date. You may see this discount when you get insurance quotes online.

One last thing about discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

Companies that may include these discounts possibly include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When getting a coverage quote, ask every prospective company which discounts you may be entitled to. Some discounts listed above may not be offered in your state. If you would like to choose from a list of car insurance companies that provide some of the discounts listed above, click this link.

What insurance coverages do I need?

When choosing the best auto insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if your insurance needs could use an agent’s help.

• What is no-fault insurance?
• Am I covered when using my vehicle for business?
• Are there companies who specialize in insuring high-risk drivers?
• When would I need additional glass coverage?
• When should I drop full coverage on my 1998 Kia Sephia?
• Do I need replacement cost coverage on my 1998 Kia Sephia?
• I don’t drive much so do I pay less?
• What is medical payments coverage?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage options for a Kia Sephia

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, theft and damage from flooding. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as legal defense fees, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, X-ray expenses, pain medications and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1998 Kia Sephia.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

Collision coverage will pay to fix damage to your Sephia resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

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Be a money saver!

We just presented many ideas to save on 1998 Kia Sephia insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive insurance. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

When trying to cut insurance costs, do not skimp on coverage in order to save money. In many instances, an insured dropped physical damage coverage only to discover later that it was a big error on their part. Your goal should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

More detailed car insurance information is available by following these links:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• How to Avoid Common Accidents (State Farm)

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