1997 Kia Sephia Insurance Rates

Are you sick and tired of scraping the payment together to buy car insurance? You are no different than most other car owners. Insurance companies such as Progressive, State Farm and Geico all claim big savings with fancy advertisements and it is difficult to avoid their marketing magic and take the time to shop coverage around.

If you have a policy now or need a new policy, you will benefit by learning to find better prices while maintaining coverages. Buying car insurance is not rocket science. Drivers only need an understanding of the tricks to shop online.

Kia Sephia insurance premiums are calculated by many factors

It’s important that you understand the factors that play a part in calculating your insurance coverage rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

Shown below are some of the items used by your company to calculate prices.

  • Discounts for multiple policies – The majority of insurance coverage companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Kia Sephia earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Lower rates come with age – Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers have a tendency to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
  • Drive less and save money – The more you drive every year the more you will pay for insurance coverage. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Sephia can result in significantly higher rates. Double check that your insurance coverage policy shows the correct driver usage.
  • Optional equipment can affect rates – Owning a car with an alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • More people means more accidents – Being located in a small town has it’s advantages when buying insurance coverage. Urban drivers have to deal with congested traffic and longer commutes to work. Fewer people means fewer accidents.
  • Do you need those extra coverages? – There are quite a few extra coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.

The most recommended method to get rate comparisons is to take advantage of the fact most of the bigger providers actually pay money for the chance to give free rates quotes. To get started, all you need to do is spend a couple of minutes providing details including how many miles driven, your education level, if a SR-22 is required, and whether you are married. That information is submitted instantly to insurance carriers in your area and you will get price comparisons with very little delay.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the companies make an identical promise of big savings after switching to them.

How does each company claim to save you money?

Insurance companies can use profiling for the type of customer that makes them money. For example, a profitable customer could be between the ages of 40 and 55, has no driving citations, and has excellent credit. A customer who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who do not match these standards will be quoted a more expensive rate and this can result in business going elsewhere. The ads state “drivers who switch” not “people who quote” save that much money. That’s why companies can state the savings.

This emphasizes why you absolutely need to compare many company’s rates. You cannot predict which car insurance company will provide you with the cheapest Kia Sephia insurance rates.

Discounts on Kia Sephia insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you purchase, but less common discounts must be asked for before you get the savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Bundle and Save – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Sephia coverage than drivers with accidents.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Larger companies have a break if you buy auto and life insurance together.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.

Consumers should know that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will bring down your premiums.

Companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply everywhere.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I afford low physical damage deductibles?
  • Why do I only qualify for high-risk insurance?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, nursing services, dental work and surgery. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability

This protects you from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, hitting a deer and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, crashing into a building, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

More quotes. Lower rates.

We just covered some good ideas how to lower your 1997 Kia Sephia insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Cheaper insurance can be purchased online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

Much more information about car insurance is located below: