Best Ways to Save on Tampa Kia Sedona Insurance

Discount Kia Sedona insuranceWhen 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.

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.

Kia Sedona Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $310 $504 $460 $28 $138 $1,440 $120
Sedona LX $310 $614 $460 $28 $138 $1,550 $129
Sedona EX $350 $614 $460 $28 $138 $1,590 $133
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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.

Kia Sedona insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $358 $532 $354 $20 $106 $1,395 $116
Sedona LX $358 $648 $354 $20 $106 $1,511 $126
Sedona EX $406 $648 $354 $20 $106 $1,559 $130
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Kia Sedona insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $262 $360 $354 $20 $106 $1,102 $92
Sedona LX $262 $438 $354 $20 $106 $1,180 $98
Sedona EX $296 $438 $354 $20 $106 $1,214 $101
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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.Insurance discounts

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.

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.

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.Safe vehicles cost less to insure

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

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.

Tampa insurance agentsTo 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.

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.

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