Have you finally had enough of not being able to afford each month for insurance? Your situation is no different than the majority of other drivers in Texas.
A recent insurance study discovered that almost 70% of insureds in Texas have purchased from the same company for well over three years, and practically 40% of insurance customers have never even compared rates from other companies. Consumers in America could save up to 47% a year by just comparing quotes, but they don’t believe the large savings they would see if they bought a different policy. You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a choice, lots of choices makes it harder to get the best deal for Kia Sedona insurance in San Antonio.
Consumers should take time to take a look at other company’s rates yearly due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest rates on Kia Sedona insurance in San Antonio a couple years back you may be paying too much now. You can find a lot of misleading information regarding Sedona insurance online, but by reading this article, you’re going to learn some excellent ideas to buy insurance cheaper in San Antonio.
Finding the cheapest car insurance coverage in San Antonio is really quite simple as long as you have a good starting point. If you currently have car insurance, you will definitely be able to shop for the lowest rates using the techniques presented in this article. Smart buyers only need an understanding of the most efficient way to compare company rates from many companies at once.
The quickest method we recommend to compare car insurance company rates for Kia Sedona insurance in San Antonio utilizes the fact most larger insurance companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details like if you went to college, the ages of drivers, if a SR-22 is needed, and any included safety features. Your information is then submitted to many of the top insurers and they respond with quotes within a short period of time.
To check Kia Sedona insurance prices now, click here and complete the quick form.
The companies shown below provide free rate quotes in San Antonio, TX. If more than one company is shown, it’s highly recommended you visit several of them in order to find the most competitive rates.
Kia Sedona coverage statistics
The premium table below outlines a range of prices for Kia Sedona models. Being able to understand how rate quotes are established can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $272 | $328 | $424 | $26 | $128 | $1,178 | $98 |
| Sedona LX | $272 | $400 | $424 | $26 | $128 | $1,250 | $104 |
| Sedona EX | $308 | $400 | $424 | $26 | $128 | $1,286 | $107 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.
The chart below illustrates how your choice of deductibles and can influence Kia Sedona insurance costs for different age categories. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Males versus Females
The chart below compares Kia Sedona insurance costs for male and female drivers. The costs are based on no violations or accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Kia Sedona insurance rates with full coverage and liability only. The rate quotes are based on a clean driving record, no claims, $100 deductibles, single marital status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no exact formula for dropping physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Kia Sedona book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your deductible. If you are paying in excess of $800 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
San Antonio Insurance Prices are Influenced by These Factors
Many things are taken into consideration when premium rates are determined. Some are obvious like a motor vehicle report, although others are not as apparent like your continuous coverage and annual miles driven. A large part of saving on auto insurance is knowing a few of the rating criteria that are used to determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that may result in lower premium levels.
- More miles driven equals more premium – The more miles you rack up on your Kia each year the higher your rates will be. The majority of insurers charge rates based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than those that get driven frequently. Verify your declarations sheet properly reflects annual mileage, because improper ratings can cost you money. Incorrect rating for your Sedona may be wasting your money.
- Frequent policy claims increase auto insurance rates – Insurance companies in Texas generally give better rates to policyholders who are claim-free. If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of larger claims.
- Rates can be impacted by your occupation – Did you know your career choice can influence rates? Jobs like judges, airline pilots, and dentists tend to have higher premiums than the average policyholder due to intense work requirements and lengthy work days. Other occupations like professors, students and the unemployed have lower than average premiums.
- GPS tracking and theft deterrents lower auto insurance rates – Selecting a car model with an alarm system can help bring down rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
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Insurance premiums and vehicle performance – The performance of the vehicle you are buying insurance for makes a significant difference in your rates. Low performance passenger vehicles usually are quite affordable to insure, but many other things help determine your insurance rates.
The data below uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Kia Sedona policy rates compared to other models of vehicles that have different risk factors.
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How your age affects prices – Young drivers in Texas are statistically proven to be inattentive behind the wheel and because of this, their auto insurance rates are much higher. Adding a young driver to your auto insurance policy can increase premiums substantially. More experienced drivers are proven to be safer behind the wheel, file fewer claims, and usually have better credit.
The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
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Insurance loss data for a Kia Sedona – Companies use past insurance losses when they calculate premium rates for each model. Models that the statistics show to have higher losses will have a higher premium rate.
The table below illustrates the compiled insurance loss statistics for Kia Sedona vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Values below 100 indicate better than average losses, while numbers that are greater than 100 point to more frequent losses or an increased probability of a larger loss.
Kia Sedona Insurance Claim Statistics Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Kia Sedona 102 64 96 116 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance just makes sense
Despite the high cost, insurance is required in Texas but it also protects you in many ways.
- Almost all states have minimum liability requirements which means state laws require specific minimum amounts of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Kia Sedona has a lienholder, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Kia for a much higher rate and require you to pay for the expensive policy.
- Insurance preserves your car and your assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of buying enough insurance outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying over $825 a year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.