Searching for discount San Francisco Kia Sedona insurance quotes on the web may be somewhat difficult for beginners to buying their auto insurance on the internet. With literally dozens of online companies, how can drivers possibly compare every one to find cheaper auto insurance rates?
It’s safe to assume that auto insurance companies don’t want you to compare rates. People who shop around for cheaper price quotes will, in all likelihood, buy a different policy because they have a good chance of finding lower prices. A recent survey revealed that drivers who compared prices once a year saved $3,450 over four years compared to policyholders who never shopped around for lower prices.
If finding the cheapest price for Kia Sedona insurance is your objective, then learning a little about the best way to compare insurance can help make the process easier and more efficient.
If you’re already insured, you will most likely be able to find better prices using these tips. These tips will teach you how to get online quotes and how you can save the most money. But California vehicle owners must understand the methods companies use to compete online and take advantage of how the system works.
Many insurance companies like State Farm, Allstate and GEICO provide pricing direct online. Getting Kia Sedona insurance prices online is very simple as you just enter the coverage amounts you desire as requested by the quote form. When the form is submitted, the system requests your driving and credit reports and provides a quote based on these and other factors.
Using the web to get rate quotes for Kia Sedona insurance in San Francisco makes it easy to compare insurance prices and it is important to perform this step if you are searching for the lowest payment.
To save time and compare rates now, check out the auto insurance providers below. If you have coverage now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This helps ensure you will have an apples-to-apples comparison based on identical coverages.
The providers in the list below have been selected to offer price comparisons in California. If multiple companies are shown, we suggest you click on several of them in order to get a fair rate comparison.
Data for Kia Sedona insurance
The rate information displayed next covers estimates of insurance costs for Kia Sedona models. Learning more about how rate quotes are determined can aid in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $164 | $252 | $360 | $22 | $108 | $906 | $76 |
| Sedona LX | $164 | $308 | $360 | $22 | $108 | $962 | $80 |
| Sedona EX | $186 | $308 | $360 | $22 | $108 | $984 | $82 |
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific zip code location which can affect premium rates noticeably.
Policy deductibles
When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The following tables can help show the rate difference when you choose different comp and collision deductibles. The first pricing table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Sedona LX | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Sedona EX | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Sedona LX | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Sedona EX | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can change auto insurance rates greatly.
Based on the figures above, using a $250 deductible could cost the average driver approximately $16 more each month or $192 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claim filings, you would probably save some money going with the higher deductible.
The information below demonstrates how deductible levels and can impact Kia Sedona insurance prices for different age categories. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.
Reckless driving habits raise auto insurance rates
The illustration below highlights how traffic violations and at-fault collisions impact Kia Sedona insurance prices for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Why you need car insurance
Despite the fact that car insurance is not cheap in San Francisco, insurance may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Kia, it’s guaranteed your bank will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Kia for a lot more money and require you to reimburse them the higher price.
- Car insurance protects both your Kia Sedona and your personal assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the cost, especially when you need to use it. As of last year, the average driver in California is overpaying more than $865 each year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
How to know if you need help
Keep in mind that when it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.
For instance, these questions can aid in determining if your situation might need an agent’s assistance.
- Does my insurance cover damage caused when ticketed for reckless driving?
- I have health insurance so do I need medical payments coverage?
- What if I don’t agree with a claim settlement offer?
- How can I get high-risk coverage after a DUI?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is there a penalty for late payment?
- How can I force my company to pay a claim?
- Does coverage follow the driver or the vehicle?
- Do I need roadside assistance coverage?
- What is UM/UIM insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.
Specifics of your car insurance policy
Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.
Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, EMT expenses, pain medications and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Kia Sedona.
Due to the fact that many California drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things like structural damage, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The next chart shows why buying low liability limits may not be enough.
Collision – Collision coverage pays for damage to your Sedona from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like driving through your garage door, crashing into a ditch, colliding with a tree, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Sedona to get cheaper collision coverage.
Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like fire damage, theft, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Frequent quotes can save
When shopping online for insurance, it’s very important that you do not buy less coverage just to save a little money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.
Drivers switch companies for any number of reasons including extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.
Throughout this article, we presented quite a bit of information on how to lower your Kia Sedona insurance prices in San Francisco. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.
Steps to finding better rates for Kia Sedona insurance in San Francisco
If your goal is the lowest price, then the best way to get budget Kia Sedona insurance is to begin comparing prices regularly from providers who provide auto insurance in San Francisco. Price quotes can be compared by following these guidelines.
- Read and learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many things that cause rate increases such as multiple speeding tickets and a poor credit score can be remedied by making minor changes to your lifestyle.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources.
- Compare the new quotes to the premium of your current policy to see if cheaper Sedona coverage is available in San Francisco. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
A crucial key to this process is to use the same physical damage deductibles and liability limits on every quote request and and to analyze every company you can. This ensures an apples-to-apples comparison and and a good selection of different prices.
More detailed insurance information is available at these sites:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How Much is San Francisco Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Affordable San Francisco Auto Insurance for a Ford F-150? (FAQ)
- How Much are San Francisco Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- How Much is San Francisco Car Insurance for Drivers Under 21? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Side Impact Crash Tests (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)