Compare 2001 Kia Sephia Car Insurance Rates

Scraping up a payment for pricey Kia Sephia insurance can bleed your accounts and put a big crunch on your finances.

You have so many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it makes it harder to find the lowest cost provider.

The easiest way to compare policy rates is to know the fact most of the bigger providers participate in a system to give free rates quotes. All consumers are required to do is give them some information like your general credit rating, how your vehicles are used, how much education you have, and marital status. Your information is instantly submitted to multiple top-rated companies and you will receive price estimates with very little delay.

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Switch companies and save? Really?

Big name companies like State Farm and Allstate seem to constantly run ads on television and other media. They all make the same claim that drivers will save a bundle if you switch your car insurance coverage to their company. Is it even possible that every company can give you a better price? It’s all in the wording.

All companies give the cheapest rates for the type of driver that earns them the highest profit. For example, a preferred risk might have to be between the ages of 40 and 55, owns their home, and drives a car with an anti-theft system. Someone that matches those criteria will get a cheap rate quote and as a result will probably save money with a new company.

Potential customers who are not a match for those standards will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can make claims like that. Because of these techniques, you absolutely need to do a rate comparison at every renewal. It is impossible to guess which company will have the best premium rates for your profile.

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More affordable rates with these car insurance discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some need to be manually applied in order for you to get them.

• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
• Low Mileage – Low mileage vehicles may allow you to get lower premium rates on the low mileage vehicles.
• Claim Free – Drivers who stay claim-free have much lower rates as opposed to frequent claim filers.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• 55 and Retired – Older drivers can get a small decrease in premiums on Sephia insurance.
• Pay Early and Save – By making one initial payment instead of paying each month you can actually save on your bill.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

If you would like to choose from a list of car insurance companies with discount car insurance rates, click here.

Car insurance can get complicated

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Is there coverage for injuries to my pets?
• Exactly who is provided coverage by my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Where can I get insurance after a DUI in my state?
• Should I buy only the required minimum liability coverage?
• How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Specific coverages for a Kia Sephia

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Collision coverage

This will pay to fix damage to your Sephia caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses such as surgery, hospital visits, nursing services and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, fire damage, falling objects and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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Stretch your dollar

You just learned some good ideas how to shop for 2001 Kia Sephia insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable car insurance. Consumers may even find the lowest prices are with the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. The aim is to buy enough coverage at the lowest possible cost.

The cheapest 2001 Kia Sephia insurance can be bought online as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide rates over the internet and usually these smaller companies sell through local independent agencies.

Helpful learning opportunities

• Booster Seat Ratings (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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