2007 Kia Sedona Car Insurance Cost – 7 Policy Discounts

Did budget coverage turn out to be an expensive car insurance policy? Believe me, many consumers feel financially strained by their car insurance policy. Because there are so many different company options, it is hard for the average consumer to choose the cheapest company.

Choosing the best insurance company for you is quite easy. If you are insured now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Consumers just need to know how to compare company rates online.

Auto Insurance Discounts

Companies offering auto insurance do not list every possible discount very well, so the next list breaks down both well-publicized and the more hidden auto insurance savings. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Accident Waiver – Not a discount per se, but certain companies will let one accident slide without the usual rate increase so long as you are claim-free prior to being involved in the accident.
• ABS Braking Discount – Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
• Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
• Auto/Life Discount – Select companies reward you with a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Switch and Save Discount – Some companies reward drivers for switching to them before your current expiration date. You can save around 10% with this discount.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% for Sedona insurance than their less cautious counterparts.
• Drivers Education – Have your child successfully complete driver’s ed class as it can save substantially.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the larger companies who may offer these money-saving discounts possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

If you are trying to find affordable auto insurance quotes, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply in your area. To choose companies that can offer you the previously mentioned discounts, click here to view.

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Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• What is covered by UM/UIM coverage?
• Are split liability limits better than a combined single limit?
• Do I have any recourse if my insurance company denies a claim?
• Should I buy full coverage?
• Can my babysitter drive my car?
• How much liability insurance is required?
• When would I need rental car insurance?
• Does insurance cover damages from a DUI accident?
• When can I cancel my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t get away from all the ads that promise big savings from the likes of State Farm, Geico and Progressive. All the companies advertise claims that drivers will save a bundle if you just switch your coverage to them.

How do they all offer drivers better rates? It’s all in the words they use.

All companies have specific guidelines for the right customer that will generate a profit. An example of a preferred risk might be described as a married male, carries high limits, and insures a new vehicle. A propective insured that meets those criteria will most likely get cheap prices and will also save quite a bit of money when switching.

Drivers who are not a match for this ideal profile will see higher premiums which leads to the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently advertise the way they do. Because of this risk profiling, drivers should get auto insurance quotes from several different companies. It’s not possible to predict which insurance coverage company will have the lowest rates.

Specific coverage details

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Collision – This will pay to fix damage to your Sedona from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, backing into a parked car, crashing into a building, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability – This can cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, loss of income, legal defense fees, medical services and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like pain medications, rehabilitation expenses, surgery and funeral costs. They are often used to cover expenses not covered by your 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 being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sedona.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, vandalism, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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Money doesn’t grow on trees

We covered quite a bit of information on how to lower your 2007 Kia Sedona insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm or Progressive.

Cheaper 2007 Kia Sedona insurance can be found online and with local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and these regional carriers sell through independent insurance agencies.

More detailed insurance coverage information can be found by following these links:

• Neck Injury FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)

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