Cheap 2004 Kia Sedona Insurance Quotes

Want the cheapest insurance coverage rates for your Kia Sedona? Are you sick and tired of scraping the payment together to insure your Kia every month? You’re in the same situation as most other vehicle owners. Multiple car insurance companies compete for your business, so it can be very hard to choose a provider and uncover the absolute best rates possible.

More discounts mean affordable premiums

Insuring your vehicles can cost a lot, but there may be some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of quoting, but some discounts are required to be asked for prior to receiving the credit.

• Discount for Good Grades – Being a good student may save you up to 25%. Most companies allow this discount until age 25.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
• Drive Safe and Save – Drivers without accidents could pay up to 40% less for Sedona coverage as compared to drivers with claims.
• Switch and Save Discount – Some larger companies provide a discount for renewing your policy before your current expiration date. It could save around 10% when you buy auto insurance online.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Sedona coverage with certain companies.
• Own a Home – Owning your own home or condo may earn you a small savings since home ownership is proof of financial responsibility.
• Accident Forgiveness Coverage – but some companies like Geico and Liberty Mutual will forgive one accident before your rates go up so long as you are claim-free for a specific time period.

A quick disclaimer, some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

A list of auto insurance companies and some of the discounts are:

• Geico discounts include five-year accident-free, good student, military active duty, driver training, anti-lock brakes, defensive driver, and multi-vehicle.
• Auto-Owners Insurance may have discounts that include anti-theft, good student, student away at school, company car, paperless, safe vehicle, and paid in full.
• American Family offers premium reductions for bundled insurance, good student, defensive driver, air bags, good driver, early bird, and accident-free.
• Esurance has discounts for good driver, safety device, good student, claim free, DriveSense, and multi-policy.
• Progressive may include discounts for good student, online signing, online quote discount, multi-vehicle, and homeowner.
• State Farm has savings for anti-theft, Steer Clear safe driver discount, accident-free, student away at school, driver’s education, good student, and Drive Safe & Save.
• AAA includes discounts for anti-theft, multi-car, good student, AAA membership discount, good driver, pay-in-full, and education and occupation.

Check with each insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. For a list of auto insurance companies with discount rates, click here.

It’s not one size fits all

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover whether you would benefit from an agent’s advice.

• When should my teen driver be added to my policy?
• Do I have any recourse if my insurance company denies a claim?
• What if I total my 2004 Kia Sedona and owe more than it’s worth?
• Can my teen drive my company car?
• Exactly who is provided coverage by my policy?
• Am I covered by my spouse’s policy after a separation?
• When would I need additional glass coverage?
• Can I afford to pay high deductible claims out of pocket?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer, theft, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for X-ray expenses, surgery and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Sedona.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Save your hard earned cash

In this article, we presented some good ideas how you can save on 2004 Kia Sedona insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the best rates are with some of the smallest insurance companies. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Cheaper insurance coverage can be purchased both online as well as from independent agents, so you need to shop auto insurance with both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through local independent agents.

For more information, feel free to browse the following helpful articles:

• What is Gap Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Vehicle Safety Ratings (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)