Kia Sedona Insurance Quotes in Oakland

Insurance for Kia SedonaNo one gets a kick out of paying for car insurance, particularly when they could find lower prices if they just compared rates.

Statistics show that a large majority of drivers kept their policy with the same company for four years or more, and virtually 40% of consumers have never shopped around. Many drivers in the U.S. could save 47% a year, but most undervalue how much savings they would realize if they just switched companies.

How to save on Kia Sedona insurance in Oakland

If saving the most money is your goal, then the best way to get budget Kia Sedona insurance is to regularly compare prices from providers who sell auto insurance in Oakland. Price quotes can be compared by following these guidelines.

  1. Get an understanding of coverages and the changes you can make to keep rates low. Many things that result in higher rates such as traffic violations, accidents, and an imperfect credit rating can be rectified by making minor changes to your lifestyle. Read the full article for tips to lower rates and find missing discounts.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote rates for many different companies. Get quotes now
  3. Compare the new rates to your current policy premium to see if a cheaper rate is available in Oakland. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
  4. Tell your current agent or company to cancel your current policy. Submit the required down payment along with the signed application to the newly selected company. Immediately upon receiving it, keep your new certificate verifying coverage along with the vehicle’s registration papers.

The most important part of shopping around is that you use identical coverages on each price quote and and to compare as many different companies as possible. This enables an apples-to-apples comparison and a complete selection of prices.

With consumers having so many insurance providers from which to choose, it can be impossible to pick the lowest cost car insurance company.

Buying the cheapest car insurance in Oakland is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to save money using these tips. Smart shoppers just have to know the fastest way to compare price quotes from many different companies online.

Rates and other information

The table displayed below covers detailed analysis of insurance prices for Kia Sedona models. Having a good grasp of how car insurance prices are figured can help drivers make decisions on the best policy to buy.

Kia Sedona Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $262 $392 $354 $20 $106 $1,134 $95
Sedona LX $262 $478 $354 $20 $106 $1,220 $102
Sedona EX $296 $478 $354 $20 $106 $1,254 $105
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.

Higher deductibles save money

When buying car insurance, a common question is which deductibles should you choose. The following tables sum up the differences in premium rates of buying low and high insurance deductibles. The first price estimate table uses a $250 deductible and the second pricing table uses a $500 deductible.

Kia Sedona insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $342 $472 $376 $22 $112 $1,349 $112
Sedona LX $342 $576 $376 $22 $112 $1,453 $121
Sedona EX $386 $576 $376 $22 $112 $1,497 $125
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Kia Sedona insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $278 $382 $376 $22 $112 $1,170 $98
Sedona LX $278 $464 $376 $22 $112 $1,252 $104
Sedona EX $314 $464 $376 $22 $112 $1,288 $107
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific location which can influence insurance rates noticeably.

Based on this data, using a $250 deductible will cost you about $16 more each month or $192 each year across all Kia Sedona models than buying the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 16 months between claims, you would more than likely save some money if you elect the higher deductible.

The example below shows how choosing a deductible and can influence Kia Sedona premium costs for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.

Drive safe and save

The chart below demonstrates how traffic citations and fender-benders raise Kia Sedona insurance costs for each age group. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Kia Sedona insurance premiums by gender and age

The illustration below shows the comparison of Kia Sedona insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.

Verify you’re applying every discount

The price of auto insurance can be rather high, but you may qualify for discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but a few must be asked for before being credited. If you do not check that you are getting every discount you deserve, you could be getting lower rates.Cheaper auto insurance with discounts

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help lower your auto insurance premiums.

The example below illustrates the difference between Kia Sedona auto insurance costs with and without discounts applied. Data assumes a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

When getting free Oakland car insurance quotes, it’s a good idea to all the companies to apply every possible discount. Savings may not apply to policyholders in every state. For a list of providers with discount rates in Oakland, click here to view.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, vandalism, a broken windshield and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/5 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability insurance covers claims such as medical expenses, emergency aid, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, rolling your car, crashing into a building, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible on your Sedona to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Kia Sedona.

Since a lot of drivers carry very low liability coverage limits (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, doctor visits, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

A conclusion for your car insurance search

We just covered many tips how you can reduce Kia Sedona insurance prices online in Oakland. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable Kia Sedona insurance quotes. You may even discover the most savings is with some of the lesser-known companies. They may often insure only within specific states and give better rates as compared to the big name companies such as Progressive and GEICO.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage and learned later that it was a big error on their part. Your goal is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

How to buy lower priced Kia Sedona insurance in Oakland

If your goal is the lowest price, then the best way to find the cheapest price for Kia Sedona insurance is to annually compare prices from insurance carriers who can sell car insurance in Oakland.

Step 1: Try to understand policy coverages and the measures you can control to lower rates. Many rating criteria that are responsible for high rates like traffic citations, accidents, and a not-so-good credit history can be improved by paying attention to minor details.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you can save money and make a switch, ensure coverage does not lapse between policies.

A crucial key to this process is to make sure you’re comparing similar deductibles and liability limits on each quote and and to get price quotes from as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete price analysis.

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