Finding better insurance prices for a Kia Sedona in South Carolina can be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to compare auto insurance rates and we'll show you the quickest way to get price quotes on a Kia and obtain the lowest price from both online companies and Columbia agents.
Remarkably, a study showed that the vast majority of consumers kept their policy with the same company for over three years, and 38% of drivers have never compared rates with other companies. South Carolina insurance shoppers can cut their rates by about 55% a year just by comparing rates, but most undervalue how much they could save if they swap their current policy for a cheaper one.
Quoting and comparing rates for more affordable car insurance in Columbia is quite easy. If you have a current car insurance policy or are just looking to switch companies, you can use these tips to save money and possibly find even better coverage. Shoppers just need to know the most effective way to compare insurance rates instantly.
Best companies for Kia Sedona insurance
The companies shown below can provide comparison quotes in South Carolina. If more than one company is shown, we suggest you get price quotes from several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in your specific Columbia location which can revise coverage rates considerably.
Raise deductibles and save
The illustration below illustrates how choosing a deductible and can increase or decrease Kia Sedona premium costs for different age groups. The prices are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Insurance policy discounts for Kia Sedona insurance in Columbia
Car insurance companies don't necessarily list all their discounts very clearly, so the next list breaks down a few of the more common and the more hidden credits that may apply to you.
- Discounts for Federal Employees - Simply working for the federal government can save as much as 8% with some insurance companies.
- Driver Safety - Successfully completing a course teaching safe driver skills can save you 5% or more if you qualify.
- Memberships - Belonging to a professional or civic organization is a simple method to lower premiums on your next insurance statement.
- Seat Belt Discounts - Drivers who require all vehicle occupants to use a seat belt could cut 10% or more off PIP or medical payments premium.
- Discount for Good Grades - A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
Just know that many deductions do not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won't be that lucky.
Insurance companies who may offer these discounts include:
If you are trying to find affordable Kia Sedona insurance quotes, ask each company or agent which discounts you may be entitled to. Savings might not be offered in your state. To view companies that offer the discounts shown above in Columbia, click here to view.
Quote Kia Sedona Insurance Cheaper
When buying insurance it's important to understand the different types of things that go into determining your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with better insurance rates. Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like your driving record, but some are more obscure like where you live or your financial responsibility.
Do you really need roadside assistance? - There are quite a few optional add-on coverages that may not really be needed if you don't pay attention. Insurance for things like coverage for rental cars, death and dismemberment, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
Improve your credit rating and save - A driver's credit history factor in determining what you pay for insurance. Insureds that have excellent credit scores tend to file fewer claims than drivers with lower credit ratings. If your credit rating could use some work, you could save money insuring your Kia Sedona by improving your rating.
Allowing your coverage to lapse raises insurance rates - Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance may earn you fines or a revoked license.
High physical damage deductibles save money - Comp and collision deductibles are how much you are required to pay before your insurance pays a claim. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more expense you have to pay, the less your insurance will be.
Gals tend to take less risk - Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have auto accidents at about the same rate, but the men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers cause the most accidents and are penalized with high insurance rates.
How much liability do you need? - The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
Don't abuse claims - If you're an insured who likes to file claims you should expect either higher rates or even cancellation. Insurance companies in South Carolina provide better rates to insureds who are not frequent claim filers. Your car insurance is designed for the large, substantial claims.
Insurance loss data for Kia Sedona vehicles - Insurers factor in historical loss data to help calculate a profitable premium price. Models that the data shows to have higher frequency or amount of claims will have increased rates. The table shown below demonstrates the actual insurance loss data for Kia Sedona vehicles.
For each coverage category, the loss probability for all vehicles combined as an average is a value of 100. Percentage values below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate more frequent losses or larger claims.
Kia Sedona Insurance Claim Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Everyone needs different auto insurance coverages
Keep in mind that when it comes to choosing coverage, there really is no "perfect" insurance plan. Your financial needs are unique and your policy should reflect that. For example, these questions could help you determine whether or not you might need an agent's assistance.
- Should I bundle my homeowners policy with my auto?
- Do I have coverage for damage caused while driving under the influence?
- Is business property covered if stolen from my car?
- Can I afford to buy a different vehicle if my Kia Sedona is totaled?
- What is the difference between comprehensive and collision coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I need roadside assistance coverage?
- Am I covered when driving on a suspended license?
- Is upholstery damage covered by car insurance?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.
Independent and exclusive car insurance agents
Some people still like to talk to a local agent and that can be a smart move Professional insurance agents can help determine the best coverages and will help you if you have claims. A nice benefit of getting free rate quotes online is the fact that drivers can get cheap rate quotes and still choose a local agent. Buying from and supporting neighborhood agents is important especially in Columbia.
After completing this short form, the coverage information is submitted to local insurance agents in Columbia who will return price quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to even leave your home as quotes are delivered directly to you. If you need to get a price quote from a specific insurance company, you would need to search and find their rate quote page and fill out their quote form.
Listed below is a short list of insurance companies in Columbia who can help you get price quotes for Kia Sedona insurance in Columbia.
- Claxton Insurance Agency
7008 Shakespeare Rd - Columbia, SC 29223 - (803) 400-1911 - View Map
- Midland Agency
22 Office Park Ct - Columbia, SC 29223 - (803) 788-1312 - View Map
- Irmo Insurance Agency, Inc.
1345 Lake Murray Blvd - Irmo, SC 29063 - (803) 781-4700 - View Map
- Gregory Nicholas - State Farm Insurance Agent
8006 E Garners Ferry Rd - Columbia, SC 29209 - (803) 695-7070 - View Map
Finding a good company requires more thought than just the premium amount. Any agent in Columbia should be forthright in answering these questions:
- Where would your vehicle be repaired?
- What insurance companies do they recommend if they are an independent agent?
- Does the company have a local claim office in Columbia?
- Is there a 24/7 contact number?
- How are claims handled?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they in the agency full-time?
- Is the agent CPCU or CIC certified?
Affordable coverage is out there
Throughout this article, we presented some good ideas how to save on Kia Sedona insurance in Columbia. It's most important to understand that the more quotes you get, the better your chances of lowering your prices. You may even find the best premium rates are with the smaller companies. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.
When searching for cheaper Columbia car insurance quotes, you should never skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and discovered at claim time they didn't purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
More tips and info about insurance is available by following these links:
- How do I File a Claim? (Insurance Information Institute)
- Who Has Affordable Car Insurance for a Dodge Journey in South Carolina? (FAQ)
- How Much is Auto Insurance for Used Cars in South Carolina? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Good Credit in South Carolina? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Credit Scores in South Carolina? (FAQ)
- Who Has the Cheapest Car Insurance for Welfare Recipients in South Carolina? (FAQ)
- Which Company has the Cheapest Auto Insurance in Spartanburg, SC? (FAQ)
- Who Has the Cheapest Auto Insurance for Retired Military in South Carolina? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)