Compare 2019 Kia Sedona Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to come up with a payment for high-priced insurance can stress out your accounts and put the squeeze on your family’s finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best rate

It is always a good idea to get comparison quotes at least once a year since prices change regularly. Even if you got the best rates on Sedona insurance on your last policy other companies may now be cheaper. You’ll find a ton of advice on insurance online, but in just a couple of minutes you can learn some of the best ways to find cheap insurance.

If you have insurance now or are shopping for new coverage, you can use this information to get lower rates while maintaining coverages. Finding the best rates is quite easy. Vehicle owners only need an understanding of the proper way to compare prices over the internet.

Discounts for affordable auto insurance rates

Insuring your fleet can be pricey, but you can get discounts that many consumers don’t even know exist. Certain reductions will be credited at the time you complete a quote, but a few need to be asked about prior to receiving the credit.

  • Professional Organizations – Having an affiliation with a civic or occupational organization may earn a discount when getting a insurance coverage quote.
  • Distant Student Discount – Older children who are enrolled in higher education away from home and do not take a car to college could get you a discount.
  • Accident Waiver – Not necessarily a discount, but companies like State Farm and Progressive may permit one accident without the usual rate increase so long as you are claim-free for a set time period.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you will save up to 20% and get you cheaper insurance coverage.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates compared to bad drivers.
  • Buy New and Save – Buying insurance on a new vehicle can cost up to 25% less because new vehicles keep occupants safer.
  • Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Senior Discount – Older drivers may qualify for better auto insurance rates on Sedona insurance.
  • Low Miles Discount – Keeping the miles down on your Kia may enable drivers to earn better prices on cars that stay parked.

One thing to note about discounts is that some credits don’t apply to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

If you would like to see a list of companies that offer many of these discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • What is high-risk coverage and where do I buy it?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my spouse’s policy after a separation?
  • Does car insurance cover theft of personal property?
  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage on my 2019 Kia Sedona?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Do drivers who switch really save $431 a year?

Consumers can’t get away from all the ads that claim the best premium rates by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise about how much you will save just by moving your auto insurance policy to them.

How is it plausible that every one can cost less than your current company? Here is the trick they use.

Most companies quote their cheapest rates for the type of insured that earns them the most money. One example of a driver they prefer may be over the age of 35, owns their home, and drives less than 5,000 miles a year. Any new insured who matches those parameters will qualify for the lowest car insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

Insureds who may not quite match those standards may be forced to pay higher premium rates which results in the customer buying from a different company. Company advertisements say “customers that switch” but not “all drivers who get quotes” save money. That’s why companies can make those statements. This really emphasizes why it’s extremely important to get insurance coverage quotes from several different companies. Because without a comparison, you cannot know which auto insurance company will have better rates than you’re paying now.

Auto insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Kia Sedona.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability – This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, pain and suffering, loss of income and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, hitting a bird, fire damage and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

One last thing about your coverage

Cost effective 2019 Kia Sedona insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and these small, regional companies only sell coverage through independent insurance agents.

When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage only to regret that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

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