Do you want to stop overpaying and find lower-priced Kia Sedona insurance in Chandler? Have you finally had enough of trying to scrape together enough money to keep your car insured? You are no different than millions of other drivers.
It’s an obvious statement that auto insurance companies don’t want you shop around. Consumers who shop around for better prices will most likely switch car insurance companies because there is a high probability of finding a lower rate. A recent car insurance study revealed that people who make a habit of shopping around saved on average $850 each year compared to people who never shopped around for cheaper prices.
If finding the best price on Kia Sedona insurance in Chandler is your goal, then having a good understanding how to get price quotes and compare insurance premiums can make it simple to find affordable coverage.
How to find more affordable Kia Sedona insurance in Chandler
The most effective way to find affordable Kia Sedona insurance in Chandler is to begin comparing prices regularly from insurance carriers who can sell car insurance in Arizona.
- Read and learn about what coverages are included in your policy and the things you can control to prevent rate increases. Many rating criteria that result in higher rates such as tickets, at-fault accidents, and a poor credit score can be remedied by making minor driving habit or lifestyle changes.
- Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies. View insurance agents
- Compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
- Provide adequate notice to your current company to cancel your current car insurance policy and submit a completed application and payment to your new insurance company. As soon as you have the new policy, put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A crucial key to this process is to use the same liability limits and deductibles on every price quote and and to compare as many carriers as you can. This ensures a level playing field and a better comparison of the market.
Due to the abundance of online and local companies to choose from, it is very difficult to locate the lowest price insurance company.
You need to price shop coverage occasionally due to the fact that insurance prices are usually higher with each renewal. Just because you found the lowest price on Kia Sedona insurance in Chandler a year ago the chances are good that you can find a lower rate quote today. You can find a lot of information about Sedona insurance online, but in this article, you’re going to get some tested techniques to slash your car insurance rates in Chandler.
Finding and comparing more affordable insurance coverage in Chandler is easy if you know what you’re doing. If you are already insured or just want to save money, you will benefit by learning to find better prices and still get good coverage. Smart buyers only need to know the most efficient way to shop for insurance from many companies at once.
Finding a better price on car insurance is a great way to save money. The only thing you need to do is take a few minutes to compare rate quotes from online providers.
It’s so simple to compare car insurance price quotes online takes the place of having to drive around to all the different Chandler insurance agencies. The ability to get quotes online makes this process obsolete unless you want the trained advice that you can only get from talking to an agent. Drivers can price shop your coverage online but have your policy serviced through an agent.
The companies in the list below can provide quotes in Chandler, AZ. To buy cheap auto insurance in Chandler, AZ, we suggest you visit two to three different companies to get the best price comparison.
Why car insurance is not optional
Even though it’s not necessarily cheap to insure a Kia in Chandler, buying car insurance is required in Arizona but it also protects you in many ways.
First, most states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Sedona with a loan, it’s guaranteed your bank will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Kia for a much higher rate and require you to fork over a much higher amount than you were paying before.
Third, insurance protects your car and your assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying car insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in Arizona overpays more than $750 every year so it’s very important to do a rate comparison once a year at a minimum to save money.
Car insurance data for a Kia Sedona
The rate table shown next covers different policy rates for Kia Sedona models. Having a good understanding how auto insurance prices are figured can be valuable when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $200 | $314 | $268 | $16 | $80 | $878 | $73 |
| Sedona LX | $200 | $382 | $268 | $16 | $80 | $946 | $79 |
| Sedona EX | $224 | $382 | $268 | $16 | $80 | $970 | $81 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in zip code location which can revise coverage rates noticeably.
Physical damage deductibles: Should you raise them?
One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following tables sum up the rate fluctuation when you select higher and lower physical damage deductibles. The first data table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| 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 | |||||||
| 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific location information which can alter premiums considerably.
Based on this data, using a $250 deductible will cost you approximately $21 more each month or $252 annually than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 36 months between claim filings, you would save money if you choose the higher deductible. Here’s an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $82 |
| Average monthly premium for $1,000 deductibles (subtract): | – $61 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
One important caveat is that higher deductibles means you will have to pay more of your own money when you do file a claim. That will require some non-essential savings in the event you have to pay more for the deductible.
Chandler insurance discounts for a Kia Sedona
Insurance is expensive, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time you complete a quote, but some need to be specifically requested in order for you to get them. If you aren’t receiving every discount you deserve, you could be getting lower rates.
- First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
- New Car Discount – Buying insurance on a new vehicle can save you some money since newer models are generally safer.
- Driver Safety – Taking part in a course teaching safe driver skills could earn you a small percentage discount depending on where you live.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
- Discounts for Safe Drivers – Drivers without accidents may save up to 50% more as compared to drivers with claims.
- Accident Free – Good drivers with no accidents pay less when compared with policyholders that have many claims.
- Drive Less and Save – Driving less could be rewarded with cheaper rates.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will reduce the amount you pay for coverage.
The diagram below shows the comparison of Kia Sedona yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.
Some of the larger companies that have many of the previously listed discounts include:
Before you buy a policy, ask each company which credits you are entitled to. A few discounts may not apply to policies in your area.