Compare 1999 Kia Sephia Car Insurance Rates

Buyers have options when searching for the best price on Kia Sephia insurance. They can either spend hours contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to price shop coverage for a new or used Kia and get the lowest price either online or from local insurance agents.

Consumers need to price shop coverage every six months due to the fact that insurance rates change quite often. Even if you got the lowest rates on Sephia insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.

If you are insured now or are looking for a new policy, you can use this information to find better prices while maximizing coverage. The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. Consumers just need to know the most effective way to get comparison quotes on the web.

How to Buy Car Insurance Online

Getting a cheaper price on 1999 Kia Sephia insurance is a fairly straight forward process. The only thing you need to do is take the time getting comparison quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quotation requests to each individual car insurance company. Filling out one form gets rate comparisons direct from many companies. It’s the fastest way to compare.
  2. A less efficient way to get quotes online consists of going to the website for each individual company and request a quote. For example, let’s assume you want rates from Farmers, Progressive and GEICO. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to get comparison rates is driving around to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice of a local agent. However, consumers can get prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples information with each company. If you have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

Take discounts and save

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked for before you get the savings. If you’re not getting every credit available, you are throwing money away.

  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on your policy on Sephia insurance.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Sephia insurance depending on your company.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will help reduce your premiums.

Companies who might offer these benefits include:

Check with all companies you are considering how you can save money. All car insurance discounts might not apply in your state.

Kia Sephia insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

Shown below are a few of the “ingredients” used by your company to calculate prices.

  • Pay less if you’re married – Being married actually saves money on car insurance. Having a significant other translates into being more responsible and statistics show being married results in fewer claims.
  • How credit affects car insurance rates – Having a bad credit history is a huge factor in determining your rates. If your credit score is not that good, you could save money insuring your 1999 Kia Sephia by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Careful drivers pay lower rates – Only having one speeding ticket can increase rates by twenty percent. Good drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to keep their license.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Kia earned at least four stars on you are probably receiving a discount.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a guaranteed way to bump up your car insurance costs. Not only will you pay more, but being ticketed for driving with no insurance can result in a license revocation or jail time.

Which policy gives me the best coverage?

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • What discounts do I qualify for?
  • Should I carry comprehensive and collision coverage?
  • Is my cargo covered for damage or theft?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my Kia Sephia covered if I use it for business?
  • Do I need rental car coverage?
  • Do I have coverage when making deliveries for my home business?
  • How can I get high-risk coverage after a DUI?
  • Who is covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a Kia Sephia

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.


This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, pain medications, prosthetic devices, funeral costs and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Make an honest buck

In this article, we presented quite a bit of information on how to shop for 1999 Kia Sephia insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with a lesser-known regional company.

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, poor customer service and even delays in responding to claim requests. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Affordable insurance is available on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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