2001 Kia Sephia Insurance Cost

Have you had enough of not being able to afford each month for car insurance? You are no different than most other car owners.

There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to have a choice, too many choices makes it more difficult to find the lowest cost provider.

You should make it a habit to do rate comparisons yearly due to the fact that insurance rates fluctuate regularly. Just because you found the best rates on Sephia insurance two years ago other companies may now be cheaper. There is a lot of wrong information about car insurance on the web, but I’m going to show you some excellent ideas to reduce your car insurance bill.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you will be able to save some money using these tips. But vehicle owners need to have an understanding of the way companies market on the web because it can help you find the best coverage.

Finding Insurance Coverage Deals

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company provides a quote based on that information. This prevents consumers from doing quote forms to each company.

To compare pricing click to open in new window.

The one disadvantage to using this type of form is that you can’t choose which providers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare the exact same coverages and limits on every quote. If the quotes have different deductibles it will be very difficult to find the best deal for your Kia Sephia. Quoting even small variations in limits could mean much higher rates. It’s important to know that quoting more helps you find the best rates.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Sign Online – Certain companies give back up to $50 simply for signing digitally online.
  • Homeowners Discount – Owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • College Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on car insurance on Sephia insurance.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurance companies offering car insurance discounts, click here.

Kia Sephia premiums are determined by many factors

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for insurance coverage. Knowing what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are a partial list of the pieces insurance coverage companies consider when setting prices.

  • Adjust deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your insurance coverage will be on Sephia insurance.
  • Don’t cancel a policy without a new one in place – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Policy add-ons can waste money – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and term life insurance are some examples. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Traffic citations inflate rates – Even one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Marriage pays dividends – Being married can get you a discount on your policy. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Clean credit earns discounts – Having a bad credit score is a big factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. If your credit rating is low, you could save money insuring your 2001 Kia Sephia by improving your rating.

When might I need an agent?

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • Do I need motorclub coverage?
  • Does car insurance cover theft of personal property?
  • Am I covered when pulling a rental trailer?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Ads can be misleading

Auto insurance companies such as Allstate and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings if you change your policy. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. For instance, a driver they prefer could possibly be a mature driver, a clean driving record, and has a short commute. Any new insured who matches those parameters gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential customers who fall outside these standards will be quoted more money and ends up with the customer not buying. The ads say “customers who switch” not “people who quote” save that much. This is how companies can claim big savings.

This emphasizes why you should get as many quotes as possible. You cannot predict which insurance companies will have the lowest Kia Sephia insurance rates.

Auto insurance coverages 101

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, prosthetic devices, surgery and pain medications. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle 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 it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Sephia.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane and rock chips in glass. The highest amount 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.

Collision protection

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

Collision coverage protects against things like colliding with a tree, driving through your garage door, damaging your car on a curb, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Don’t throw your cash in the trash

Affordable 2001 Kia Sephia insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide online price quotes and these smaller companies work with independent agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

More detailed auto insurance information can be read at these sites: