Cheaper 1998 Kia Sephia Insurance Quotes

Want lower insurance rates for your Kia Sephia? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

There are many auto insurance companies to choose from, and although it’s nice to have multiple companies, so many choices can make it hard to find a good deal.

It’s important to do rate comparisons once or twice a year since insurance rates are constantly changing. Just because you had the best rates for Sephia insurance last year there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the right way to get good coverage at a lower rate.

These factors can influence Kia Sephia insurance rates

Consumers need to have an understanding of the different types of things that go into determining car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

Listed below are a partial list of the pieces that factor into rates.

  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Kia Sephia is rated at least four stars on you may qualify for a discount.
  • Add-on coverages can add up – There are many additional coverages that you can get tricked into buying on your 1998 Sephia policy. Coverages for personal injury protection, accidental death and motor club memberships are some examples. They may seem good at first, but if you don’t need them eliminate them to save money.
  • Rates may be higher depending on your occupation – Did you know your car insurance rates can be affected by your occupation? Occupations such as real estate brokers, business owners and dentists have the highest average rates because of job stress and lengthy work days. Other jobs such as scientists, historians and homemakers get better rates for Sephia insurance.
  • Pleasure use or commuting – The higher the mileage driven every year the more you will pay for car insurance. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Sephia may be costing you. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Discounts for multiple policies – Many car insurance companies will award you with lower prices to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to shop around to make sure you are getting the best deal.
  • Adjust deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend before your car insurance pays a claim. The more expense the insured has to pay upfront, the less your car insurance will be for Sephia insurance.
  • Allowing your policy to lapse raises rates – Allowing your car insurance policy to lapse is a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Clean credit earns discounts – Credit score is a important factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit score is low, you could potentially save money when insuring your 1998 Kia Sephia by improving your rating.

Do you qualify for discounts?

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden car insurance savings.

  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Student in College – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Sephia insurance than less cautious drivers.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.

It’s important to note that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky.

To see a list of companies with the best car insurance discounts, follow this link.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Can I afford to buy a different vehicle if my 1998 Kia Sephia is totaled?
  • Can I rate high risk drivers on liability-only vehicles?
  • When would I need rental car insurance?
  • Am I covered if hit by an uninsured driver?
  • What is the minimum liability in my state?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision 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 hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Kia Sephia.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for 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 can pay for things like structural damage, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, nursing services and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

We just presented a lot of information how to compare 1998 Kia Sephia insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with the least-expected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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