1995 Kia Sephia Insurance Cost – 9 Savings Tips

Trying to find lower insurance rates for your Kia Sephia? Searching for low-cost insurance for a Kia Sephia could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to compare rates for a Kia and get the best price possible.

Finding more affordable auto insurance coverage is not that difficult. If you have a current auto insurance policy or need a new policy, you can use this information to find better prices while maximizing coverage. Consumers just need to understand the proper way to get comparison quotes online.

Free Quotes for Insurance Coverage

Finding a lower price on 1995 Kia Sephia insurance is not a difficult process. The only thing you need to do is take a couple of minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The easiest and least time consuming way consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form entry for every insurance coverage company. One form gets you price quotes from multiple low-cost companies. Just one form and you’re done.
  • Another way to get comparison quotes is to manually visit each company’s website to request a price quote. For instance, let’s assume you want to compare Liberty Mutual, 21st Century and Allstate. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming way of comparing rate quotes is to spend your day driving to different agent offices. Buying insurance online makes this process obsolete unless you want the trained guidance only provided by licensed agents. Drivers can compare the best prices online and still use a local agent.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples information for each price quote. If each company quotes different liability limits you will not be able to find the best deal for your Kia Sephia.

Save with discounts on Kia Sephia insurance

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be manually applied prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates on Sephia coverage.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Distant Student – Children who live away from home and do not have a car may qualify for this discount.
  • No Claims – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

Consumers should know that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, you’re out of luck. Any amount of discount will help reduce your overall premium however.

Insurance companies that may offer some of the above discounts include:

Double check with each company which discounts they offer. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions might point out whether you may require specific advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need higher collision deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have any recourse if my insurance company denies a claim?
  • Are my friends covered when driving my 1995 Kia Sephia?
  • Am I covered if I crash into my own garage door?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage options for a 1995 Kia Sephia

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, medical services, attorney fees, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sephia.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

This pays for damage that is not covered by collision coverage. 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, vandalism, falling objects and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This coverage pays for damage to your Sephia caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, X-ray expenses, doctor visits, chiropractic care and surgery. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Be a penny pincher

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Discount 1995 Kia Sephia insurance can be sourced online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, high rates after DUI convictions or even poor customer service. Regardless of your reason, finding a new company can be easier than you think.

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