Save on 2001 Kia Sephia Insurance Cost

Looking for cheaper car insurance rates for your Kia Sephia? Using the web to shop for car insurance can seem like an uphill battle if you’ve never compared online price comparisons. But don’t let that discourage you because it’s actually quite easy.

You should make it a habit to check car insurance prices every six months because insurance rates are variable and change quite frequently. If you had the best price for Sephia insurance a few years ago you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Pay less for 2001 Kia Sephia insurance

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Sephia insurance than drivers with accidents.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because owning a home demonstrates responsibility.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To see a list of insurers offering insurance discounts, click here to view.

Comprehensive Car Insurance Comparison

Most companies like Allstate, Geico and Progressive provide prices directly from their websites. Obtaining pricing doesn’t take a lot of time as you just type in your coverage information as detailed in the form. When complete, their rating system pulls reports for credit and driving violations and returns a price based on many factors.

Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it’s very important to get many rate quotes in order to get the lowest price.

The better way to compare rates

A more efficient way to get multiple rate quotes utilizes a single form to return rates from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. As soon as you send your information, it is rated and you can choose any one of the quotes returned. If you find a better price it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and may result in a nice savings.

If you want to use this form to compare rates, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with deductibles and limits identical to your current policy. Using the same limits helps guarantee you’re receiving comparison quotes for the exact same coverage.

Parts of the Kia Sephia rate equation

An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get lower car insurance prices.

  • Having a spouse can save you money – Having a wife or husband can actually save you money on your car insurance policy. It usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations like lawyers, business owners and accountants tend to pay higher rates than average because of high stress levels and lots of time spent at work. On the flip side, occupations like pilots, athletes and homemakers have the lowest average rates for Sephia insurance.
  • More miles equals more premium – Driving more miles every year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated Sephia can cost quite a bit. Verify your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Bundling policies can get discounts – Some insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions can help discover if you might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Do all my vehicles need collision coverage?
  • Where can I get insurance after a DUI in my state?
  • How do I buy GAP insurance?
  • Are my friends covered when driving my car?
  • Does liability extend to a camper or trailer?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Can you really save that much by switching?

Insurance coverage companies such as Allstate, Geico and Progressive regularly use ads in print and on television. They all seem to make an identical promise about savings if you move to their company. How do they all make almost identical claims?

Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a preferred risk could possibly be between the ages of 40 and 55, has no prior claims, and has a short commute. A customer who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Consumers who don’t qualify for the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that much. That is how companies can state the savings. That is why you need to get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Kia Sephia.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, damage from flooding, vandalism and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like ambulance fees, X-ray expenses, EMT expenses, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Sephia resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

A penny earned…

Cheaper 2001 Kia Sephia insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, you should never reduce needed coverages to save money. There have been many cases where someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Insureds change insurance companies for any number of reasons including poor customer service, extreme rates for teen drivers, not issuing a premium refund and denial of a claim. Whatever your reason, finding a new car insurance company can be pretty painless.

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