Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us, you are not the only one feeling buyer’s remorse.
You have so many insurers to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to find the lowest cost provider.
This information will help educate you on the most effective way to quote insurance. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Nevertheless, car owners do need to understand how insurance companies price insurance differently because it can help you find the best coverage.
There are several ways to compare Kia Sephia auto insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.
Many companies belong to an insurance system that enables customers to enter their coverage request one time, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to each individual auto insurance company.
To find out what other companies charge for 1997 Kia Sephia insurance click here to open in new window.
The single downside to pricing coverage this way is you cannot specify the companies you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you’re using the exact same coverages with every price quote. If you use mixed coverages it will be impossible to make an equal comparison. Slightly different coverage limits can result in a big premium difference. It’s important to know that comparing a large number of companies gives you a better chance of getting the best price.
When buying coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Learning about specific coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, funeral costs, hospital visits, nursing services and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Collision coverages – Collision insurance will pay to fix damage to your Sephia resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as crashing into a building, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sephia.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.
Liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is 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 insurance covers claims like court costs, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as rock chips in glass, vandalism, falling objects, damage from getting keyed and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.