Save on Kia Sedona Insurance in Tucson

Unbelievable but true, a large majority of consumers have stayed with the same insurance company for at least the last four years, and almost half have never compared rates from other carriers. Arizona drivers can save hundreds of dollars each year, but they feel it’s too difficult to compare rate quotes online.

Insurance rates Kia Sedona in TucsonTo save the most money, the best way to get budget Kia Sedona insurance is to start comparing rates regularly from insurers that insure vehicles in Tucson. Rates can be compared by following these steps.

First, spend a few minutes and learn about auto insurance and the steps you can take to keep rates down. Many factors that cause rate increases like at-fault accidents, careless driving, and a low credit rating can be rectified by making minor driving habit or lifestyle changes.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies. Select a company

Third, compare the new quotes to your current policy premium to determine if switching companies saves money. If you can save some money, make sure there is no lapse in coverage.

Fourth, notify your agent or company of your intent to cancel your current auto insurance policy and submit a down payment along with a signed application to the new company. Immediately upon receiving it, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

One piece of advice is to make sure you enter the same liability limits and deductibles on every quote request and and to get rates from as many companies as you can. Doing this ensures a level playing field and and a good selection of different prices.

If you’re already insured, you should be able to find better prices using the concepts you’re about to learn. Finding and buying the lowest cost coverage in Tucson is simple if you know the tricks. Although Arizona car owners can benefit from knowing how the larger insurance companies determine premium rates and apply this information to your search.

You Can Change Your Insurance Premiums

Many factors are part of the equation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are not as apparent like your continuous coverage or your financial responsibility.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your rate level.

Teenagers are high risk – Beginning drivers in Arizona are statistically shown to be easily distracted when driving so they pay higher insurance rates. Older, more experienced drivers tend to be more responsible, cost insurance companies less in claims, and get fewer tickets.

The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

More people means more accidents – Choosing to live in less populated areas of the country has it’s advantages when shopping for auto insurance. People who live in big cities have to deal with much more traffic and more severe claims. Lower population means a lower chance of having an accident in addition to fewer liability claims.

Policy add-ons add up – Insurance policies have a lot of extra coverages that can waste your money on your Sedona policy. Coverages like rental car coverage, better glass coverage, and term life insurance are probably not needed. They may sound like good ideas at first, but if they’re wasting money remove them from your policy.

Credit rating impacts costs – An insured’s credit history can be an important factor in your rate calculation. Drivers who have very good credit scores tend to be more responsible and file fewer claims than drivers with lower credit scores. If your credit could use some work, you could pay less to insure your Kia Sedona by repairing your credit.

Liability insurance is cheap – Liability insurance kicks in if ever you are responsible for causing personal injury or damage in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.

Can a thief steal your car? – Owning a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.

How many miles do you drive? – The more you drive in a year’s time the higher your rate. A lot of insurance companies rate vehicles partially by how you use the vehicle. Autos that have low annual miles qualify for better rates than vehicles that have high annual mileage. An incorrectly rated Sedona can cost quite a bit. It’s a smart idea to ensure your insurance policy reflects the proper vehicle usage.

Loss probability for a Kia Sedona – Insurance companies analyze historical claim data when they file their rates in each state. Vehicles that are shown to have higher claim amounts or frequency will have a higher premium rate. The data below shows the actual insurance loss data for Kia Sedona vehicles.

For each coverage type, the claim amount for all vehicles, as a total average, is set at 100. Values that are under 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Kia Sedona Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116

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

Kia Sedona insurance rate analysis

The rate information shown next highlights detailed analysis of prices for Kia Sedona models. Learning more about how insurance rates are formulated can help customers make decisions when shopping around.

Kia Sedona Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $252 $440 $308 $18 $92 $1,110 $93
Sedona LX $252 $536 $308 $18 $92 $1,206 $101
Sedona EX $286 $536 $308 $18 $92 $1,240 $103
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Tucson garaging location which can raise or lower coverage prices greatly.

Analysis of deductible levels

One common question asked by Tucson drivers is how high or low should comp and collision deductibles be. The comparisons below outline the rate differences of buying low and high comp and collision deductibles. The first table uses a $250 deductible and the second data table uses a $1,000 deductible.

Kia Sedona insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $232 $320 $254 $16 $76 $923 $77
Sedona LX $232 $390 $254 $16 $76 $993 $83
Sedona EX $262 $390 $254 $16 $76 $1,023 $85
Get Your Own Custom Quote Go

Kia Sedona insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $144 $202 $254 $16 $76 $692 $58
Sedona LX $144 $246 $254 $16 $76 $736 $61
Sedona EX $162 $246 $254 $16 $76 $754 $63
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can alter coverage prices greatly.

We can derive from the above data that using a $250 deductible costs approximately $21 more each month or $252 a year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 36 months between claim filings, you would save more money if you decide on a higher deductible.

Kia Sedona insurance premiums by gender and age

The example below illustrates the difference between Kia Sedona insurance prices for male and female drivers. The rates are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Kia Sedona liability rates compared to full coverage

The diagram below shows the comparison of Kia Sedona annual premium costs when comparing full coverage to state minimum liability only. Data assumes no claims, a clean driving record, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

When to stop paying for full coverage

There is no definitive formula to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Kia Sedona replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where removing full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Don’t overlook these Kia Sedona insurance discounts

Insuring your fleet can be pricey, but you may find discounts that can help lower your rates. A few discounts will be applied at the time you complete a quote, but some discounts are required to be specially asked for before they will apply.Cheaper auto insurance with discounts

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount should help reduce your policy cost.

The example below visualizes the comparison of Kia Sedona car insurance costs with and without discounts. The data is based on a male driver, no violations or claims, Arizona 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 multi-policy, marriage, safe-driver, claim-free, multi-car, and homeowner discounts applied.

Insurance companies who might offer these benefits include:

When getting free Tucson auto insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts might not be available to policyholders everywhere. To see providers who offer online Kia Sedona insurance quotes in Tucson, click here.

Cover all your bases

Affordable Kia Sedona insurance in Tucson is definitely available on the web and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not provide online price quotes and usually these regional insurance providers prefer to sell through independent agents.

When searching for affordable Kia Sedona insurance quotes, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

You just read quite a bit of information on how to get a better price on Kia Sedona insurance in Tucson. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a small mutual company.

More information can be found at the links below