2000 Kia Sephia Insurance Rates – 5 Ideas for Best Quotes

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, you’re not the only one.

Having so many options when it comes to car insurance, it can be impossible to choose the lowest cost company.

It’s a great practice to price shop coverage before your policy renews because prices go up and down regularly. Even if you got the lowest rates on Sephia insurance two years ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because it’s time to teach you the only way to properly buy coverages and cut your premium.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Nevertheless, consumers must understand how companies market insurance on the web and take advantage of how the system works.

How much can you save with these five discounts?

Companies offering auto insurance don’t always publicize all their discounts very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Homeowners Discount – Simply owning a home can help you save on car insurance because owning a home shows financial diligence.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Claim Free – Good drivers with no accidents pay much less compared to drivers who are more careless.
  • Resident Student – Children living away from home attending college and do not have a car may be able to be covered for less.

It’s important to note that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may offer these discounts are:

Check with each insurance company which discounts you may be entitled to. Savings may not apply everywhere.

How to Compare Insurance Quotes

All major insurance companies allow you to get insurance quotes on the web. The process is pretty easy as you simply type in your personal and coverage information as detailed in the form. After you submit the form the company’s rating system will obtain your credit score and driving record and gives you a price quote. This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it’s very important to have as many quotes as possible if you want to find a lower rate.

A less time-consuming method to locate the lowest prices makes use of a single form to return rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, it is rated and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you complete the form with coverages and limits identical to your current policy. This makes sure you will be getting rate quotes based on the exact same insurance coverage.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover if your situation may require specific advice.

  • When can I cancel my policy?
  • When should my teen driver be added to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I force my company to pay a claim?
  • Should I rate my 2000 Kia Sephia as pleasure use or commute?
  • Is a blown tire covered by insurance?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Advertising myths

Auto insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all make the same claim that you’ll save big after switching your policy. But how can every company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer could possibly be between 25 and 40, has no prior claims, and has a short commute. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will be quoted a more expensive rate and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much. That’s why insurance companies can advertise the way they do. This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict which insurance companies will give you the biggest savings on Kia Sephia insurance.

Information about specific coverages

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane, rock chips in glass, damage from flooding and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property 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. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like loss of income, bail bonds, court costs and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage pays for damage to your Sephia from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, rolling your car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2000 Kia Sephia.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like nursing services, ambulance fees, surgery, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Affordable insurance is out there

You just learned many ideas to save on 2000 Kia Sephia insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a small mutual company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Affordable insurance is attainable online and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and these smaller companies work with independent agents.

Additional information is available at the links below