Best Ways to Save on Tampa Kia Sedona Insurance

When looking for more affordable insurance, are you confused by the crazy number of insurance companies in your area? Many other drivers are too. Florida consumers have so many companies available that it can quickly become a challenge to find the lowest price for Kia Sedona insurance in Tampa. Lots of people think Tampa is a great place to live, but inflated insurance rates can make it impossible to buy proper levels of coverage.

Steps to finding low-cost Kia Sedona insurance in Tampa

If you want to save money, the best way to find affordable car insurance rates is to start comparing rates regularly from companies who sell auto insurance in Tampa. Prices can be compared by following these steps.

• First, try to learn about how car insurance works and the steps you can take to lower rates. Many risk factors that cause rate increases like traffic citations and your credit history can be controlled by paying attention to minor details.
• Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can quote prices for a wide range of insurance providers.
• Third, compare the new quotes to your existing coverage and see if there is a cheaper rate. If you find a better price, make sure there is no coverage gap between policies.
• Fourth, notify your current company of your decision to cancel your current coverage and submit any necessary down payment along with the completed application to the new insurer. Immediately put the certificate of insurance in your vehicle.

An important note is to compare identical deductibles and limits on every quote and to quote with as many carriers as you can. This helps ensure an accurate price comparison and a complete rate analysis.

We don’t have to tell you that car insurance companies don’t want you to look at other companies. People who get price comparisons will most likely buy a different policy because they have a good chance of finding coverage at a cheaper rate. A recent survey revealed that drivers who made a habit of comparing rates saved as much as $850 each year compared to policyholders who didn’t regularly shop around.

If finding the lowest price for auto insurance in Tampa is your objective, knowing the best way to compare coverages can help simplify the process.

Companies offering Kia Sedona insurance in Tampa

The car insurance companies shown below are our best choices to provide quotes in Tampa, FL. In order to find cheap car insurance in Tampa, it’s a good idea that you compare several of them in order to find the cheapest rates.

Kia Sedona coverage analysis

The premium table shown below covers estimates of insurance rates for Kia Sedona models. Learning as much as possible about how prices are formulated is important to be able to make smart choices when selecting a policy.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in zip code location which can revise prices greatly.

Policy deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below may help you to understand the price difference between low and high coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific Tampa garaging location which can modify prices noticeably.

Based on this data, using a $100 deductible costs roughly $27 more each month or $324 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 15 months between claim filings, you would save money if you opt for a higher deductible.

Poor driving habits will raise your car insurance rates

The diagram below highlights how speeding tickets and at-fault claims can affect Kia Sedona insurance premiums for each different age group. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Does it make sense to buy full coverage?

The example below shows the comparison of Kia Sedona yearly insurance costs when comparing full coverage to state minimum liability only. The data is based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive rule for excluding physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Kia Sedona settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying over $300 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where removing full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Lower-cost Kia Sedona insurance quotes in Tampa

Buying insurance is not cheap, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about before they will apply.

• Discount for New Cars – Buying a new car model can get you a discount since newer vehicles have better safety ratings.
• Paperless Signup – Some insurance companies may give you up to $50 get Tampa car insurance digitally online.
• Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
• Driver Education Discount – Require your teen driver to complete a driver education course in school or through a local driver safety program.
• Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may qualify for discounts of up to 25% or more.
• College Student Discount – Any of your kids who attend college more than 100 miles from Tampa and won’t have access to an insured vehicle may qualify for this discount.

Discounts save money, but please remember that some of the credits will not apply to the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower your insurance premiums.

The example below shows the comparison of Kia Sedona car insurance costs with and without discounts applied. The information is based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, safe-driver, and homeowner discounts applied.

Popular insurance companies and some of their more popular discounts are shown below.

• Farm Bureau has savings for renewal discount, youthful driver, 55 and retired, driver training, safe driver, multi-policy, and multi-vehicle.
• Liberty Mutual may offer discounts for hybrid vehicle, preferred payment discount, multi-car, safety features, good student, and teen driver discount.
• State Farm has discounts for good student, good driver, passive restraint, multiple policy, anti-theft, and Drive Safe & Save.
• Auto-Owners Insurance policyholders can earn discounts including good student, safe vehicle, multi-policy, paperless, student away at school, and group or association.
• GEICO offers discounts including emergency military deployment, defensive driver, seat belt use, military active duty, air bags, membership and employees, and driver training.
• SAFECO may have discounts that include teen safety rewards, teen safe driver, anti-theft, accident prevention training, and bundle discounts.

Before purchasing a policy, check with every company which discounts you may be entitled to. All car insurance discounts might not apply in Tampa. To view providers who offer online Kia Sedona insurance quotes in Tampa, click this link.

Components of Your Kia Sedona Insurance Rates

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. If you have a feel for what determines base rates, this allows you to make good choices that could help you find lower insurance prices. Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic like your driving record, although some other factors are more transparent like your vehicle usage or how safe your car is.

• Pleasure use or commuting – The higher the mileage driven every year the more you will pay for insurance. Many insurance companies charge rates partially by how you use the vehicle. Vehicles that do not get driven very much cost less to insure than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance policy is rated on the correct usage. Incorrect rating for your Sedona can result in significantly higher rates.
• Protect yourself with liability – The liability section of your policy will afford coverage if a jury decides you are liable for an accident. Liability provides for a legal defense to defend your case. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Theft deterrents save – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.

• Is car insurance cheaper for males or females? – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Males and females cause accidents in similar percentages, but men have accidents that have higher claims. They also have more aggressive citations such as reckless driving.

  The example below illustrates the difference between Kia Sedona yearly insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single status, and no discounts are applied.

• Lower coverage deductibles cost more – The deductibles you choose represent how much money you are required to pay if a claim is determined to be covered. Physical damage coverage, aka comp and collision, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, vandalism, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.
• What’s your car’s IIHS safety rating? – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and fewer injuries means lower claim amounts which can mean better rates for you. If the Kia Sedona scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Never let your policy lapse – Not maintaining insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with the Florida DMV.

• Insurance loss data for a Kia Sedona – Insurers use past insurance losses when setting premium rates. Models that the data determines to have higher claim amounts or frequency will have higher rates.

  The data below shows the historical insurance loss data for Kia Sedona vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Percentages below 100 indicate a favorable loss history, while percentage numbers above 100 indicate more frequent losses or tendency to have larger claims.

  
  

  Car Insurance Loss Data for Kia Sedona Models

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Sedona	102	64	96	116

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When to get professional advice

When it comes to buying the best auto insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining if you would benefit from professional advice.

• Is my son or daughter covered when driving my car?
• If my Kia Sedona is totaled, can I afford another vehicle?
• When would I need additional glass coverage?
• Who is covered when they drive my Kia Sedona?
• What does roadside assistance cover?
• Does insurance cover damages from a DUI accident?
• If I drive on a suspended license am I covered?
• Will my Kia Sedona be repaired with OEM or aftermarket parts?
• Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance agents near you

A small number of people prefer to sit down and talk to an agent. An additional benefit of getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. Putting coverage with neighborhood agents is especially important in Tampa.

To find an agent, once you fill out this form (opens in new window), the quote information is emailed to local insurance agents in Tampa who will give competitive quotes for your business. You never need to drive around as quotes are delivered straight to your inbox. You can find the lowest rates and work with a local agent. If you wish to get a rate quote from a specific auto insurance provider, you can always go to their quote page and fill out the quote form the provide.

Choosing an provider is decision based upon more than just the quoted price. Here are some questions you should ask.

• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are they primarily personal or commercial lines agents in Tampa?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are all drivers listed on the coverage quote?
• Are they able to influence company decisions when a claim is filed?

Cheaper rates are available

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In many instances, an insured dropped full coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

More affordable car insurance in Tampa can be bought on the web and from local agencies, and you should compare price quotes from both so you have a total pricing picture. A few companies may not offer online rate quotes and most of the time these small, regional companies prefer to sell through independent agents.

Throughout this article, we presented some good ideas how to get a better price on Kia Sedona insurance in Tampa. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive Tampa car insurance quotes. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company.

How to find low-cost rates for Kia Sedona insurance in Tampa

If saving the most money is your goal, then the best way to find affordable quotes for auto insurance rates is to start comparing prices regularly from insurance carriers in Tampa. You can compare rates by following these steps.

• First, spend some time learning about car insurance and the modifications you can make to prevent high rates. Many rating factors that are responsible for high rates like traffic violations, accidents, and a bad credit score can be improved by improving your driving habits or financial responsibility.
• Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple sources. Get quotes now
• Third, compare the new quotes to the premium of your current policy to determine if you can save on Sedona insurance. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, give notification to your current company of your intent to cancel your current policy. Submit any necessary down payment along with the completed application for your new policy. As soon as you have the new policy, safely store the proof of insurance paperwork with the vehicle registration.

The most important part of shopping around is to make sure you enter identical deductibles and limits on each quote request and and to get prices from as many companies as feasibly possible. Doing this helps ensure a level playing field and plenty of rates choose from.

Much more information about car insurance in Florida is located at the links below

• Understanding Your Insurance Deductible (Insurance Information Institute)
• Who Has Affordable Auto Insurance Quotes for a Ford Escape in Tampa? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Tampa? (FAQ)
• Who Has Cheap Tampa Car Insurance for Electric Cars? (FAQ)
• What Auto Insurance is Cheapest for Uber Drivers in Tampa? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Low Credit Scores in Tampa? (FAQ)
• Who Has Affordable Tampa Auto Insurance for a Toyota 4Runner? (FAQ)
• What Auto Insurance is Cheapest for Good Students in Tampa? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)
• What is Full Coverage? (Allstate)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)