Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Companies like GEICO, Farmers Insurance and State Farm promote their brand names with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.
If you are insured now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Buying car insurance is quite easy. Consumers just need to learn the proper methods to shop their coverage around online.
Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few need to be inquired about prior to receiving the credit. If you’re not getting every credit you deserve, you’re just leaving money on the table.
Keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.
Insurance companies that may offer these money-saving discounts include:
It’s a good idea to ask each company which discounts they offer. Discounts might not be offered in your area.
Shopping for lower car insurance rates can take hours if you aren’t aware of the most efficient way to do it. You could spend your day discussing policy coverages with agents in your area, or you can utilize the internet to accomplish the same thing much quicker.
Many of the larger companies take part in a program that enables customers to send in one quote, and at least one company returns a rated price. This system prevents you from having to do form submissions for each company you want a rate for. To use this form to compare 2008 Kia Sedona insurance rates click here to open in new window.
The only downside to using this type of system is buyers cannot specifically choose which insurance companies to get quotes from. So if you want to choose from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.
It’s up to you which method you use, but compare identical deductibles and coverage limits for every quote you compare. If each company quotes unequal deductibles or liability limits it’s impossible to make a fair comparison for your Kia Sedona.
It’s important that you understand the factors that play a part in calculating your insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.
When choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Consumers can’t get away from ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise of big savings if you move your policy.
But how can every company claim to save you money? It’s all in the numbers.
Different companies are able to cherry pick for the right customer that is profitable for them. A good example of a profitable customer could possibly be between 30 and 50, has no prior claims, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and as a result will probably save when they switch companies.
Consumers who don’t qualify for these standards will be quoted higher rates and this can result in business going elsewhere. The ads state “customers who switch” not “people who quote” save money. That is how insurance companies can advertise the way they do.
This emphasizes why drivers should compare as many rates as you can. You cannot predict which company will have the lowest Kia Sedona insurance rates.
Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Kia Sedona.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Coverage for medical expenses
Med pay and PIP coverage kick in for bills like ambulance fees, nursing services, rehabilitation expenses and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
This protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Comprehensive auto insurance
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage, a broken windshield, damage from getting keyed and falling objects. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision insurance will pay to fix damage to your Sedona caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like rolling your car, crashing into a building, damaging your car on a curb, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.
In this article, we covered quite a bit of information on how to get a better price on 2008 Kia Sedona insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.