Insurance quote for Kia Sedona in EvansvilleIf you're shopping for lower-cost insurance on the web, do you get frustrated by the crazy number of car insurance choices available to you? You're not alone. There are so many options that it is a burden to find a cheaper company. Evansville is a great place to live, but high car insurance premiums can make it hard to afford.

Astonishing but true according to a recent study, a large majority of consumers have remained with the same car insurance company for over three years, and virtually 40% of consumers have never shopped around. Most drivers in Indiana could pocket about 55% a year by just shopping around, but most just don't grasp how much savings they would realize if they replace their high priced policy.

Comparing quotes for the most affordable car insurance in Evansville is simple if you know the tricks. In a nutshell, every car owner who is required to buy car insurance will more than likely find a lower-cost policy. Nevertheless, Indiana drivers do need to know the way insurance companies compete online and use it to find better rates.

The Kia Sedona Insurance Cost Equation

The best way to find cheaper auto insurance is to take a look at some of the factors that help calculate the level of your policy premiums. If you understand what determines base rates, this allows you to make good choices that could result in better auto insurance rates. Lots of factors are used when pricing auto insurance. Most are fairly basic such as your driving record, but other factors are less apparent such as your marital status and annual miles driven.

Poor credit decisions can cost you - A driver's credit score will be a significant factor in calculating your premium rate. If your credit rating is not that good, you could potentially save money when insuring your Kia Sedona by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.

Don't cut corners with liability protection - Liability coverage will provide protection when you are determined to be liable for causing damage or personal injury in an accident. This coverage provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Poor driving leads to higher prices - Drivers who don't get tickets tend to pay less for car insurance as compared to careless drivers. Getting just one citation can increase the cost of insurance substantially. Drivers who have received severe violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state's department of motor vehicles in order to keep their license.

Five star NHTSA crash test rating saves money - Cars with five star safety ratings cost less to insure. Safer cars reduce injuries and lower injury rates translates directly to fewer claims which can result in lower premiums. If your Kia Sedona has at least four stars on Safercar.gov you may qualify for a discount.

Lower coverage deductibles cost more - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Kia. Some instances where coverage would apply would be collision with another vehicle, hitting a deer, or theft. Your deductibles represent how much money you are willing to pay before your auto insurance pays a claim. The higher the amount the insured is willing to pay, the bigger discount you will receive.

Stay claim-free and save money - Auto insurance companies in Indiana provide lower rates to people who file claims infrequently. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of claims that pose a financial burden.

Insurance losses for a Kia Sedona - Insurance companies study historical loss data to help determine the rate you pay. Vehicles that statistically have higher frequency or amount of claims will cost more to insure. The data below shows the historical insurance loss data for Kia Sedona vehicles.

For each policy coverage, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate more frequent claims or an increased chance of a larger loss.

Insurance Loss Ratings for Kia Sedona Vehicles

Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116
BETTER
AVERAGE
WORSE

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

Just remember that comparing more rates from different companies gives you a better chance of getting a lower rate.

The companies shown below are our best choices to provide price quotes in Indiana. If multiple providers are shown, it's highly recommended you visit as many as you can to find the most competitive auto insurance rates.

Kia Sedona Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $132 $218 $288 $18 $86 $742 $62
Sedona LX $186 $362 $224 $14 $68 $854 $71
Sedona EX $240 $420 $288 $18 $86 $1,052 $88
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can impact prices substantially.

Drive responsibly or pay higher rates

The chart below highlights how speeding tickets and at-fault collisions raise Kia Sedona annual premium costs for different insured age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The chart below illustrates the comparison of Kia Sedona premium costs with full coverage compared to only the Indiana minimum liability coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, married male driver, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no exact formula for phasing out full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's pretend your Kia Sedona claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after you pay the deductible. If you are paying over $800 annually for your policy with full coverage, then it might be time to buy liability only.

There are a few situations where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Raise deductibles and save

When comparing car insurance rates, the most common question is which deductibles should you choose. The comparison tables below illustrate the differences in premium rates of buying low and high coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Kia Sedona insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $242 $358 $238 $14 $72 $949 $79
Sedona LX $242 $436 $238 $14 $72 $1,027 $86
Sedona EX $272 $436 $238 $14 $72 $1,057 $88
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Kia Sedona insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $134 $188 $238 $14 $72 $646 $54
Sedona LX $134 $230 $238 $14 $72 $688 $57
Sedona EX $152 $230 $238 $14 $72 $706 $59
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific garaging location which can change rates substantially.

We can derive from the above data that using a $100 deductible costs about $27 more each month or $324 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 33 months between claim filings, you would save money if you opt for a higher deductible.

Insurance protects more than just your car

Even though it can be expensive, insuring your vehicle is mandatory in Indiana but it also protects more than you think.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. But the average driver in Indiana is wasting up to $865 each year so it's recommended you shop around at least once a year to be sure current rates are still competitive.

Slash rates with these rate reducing discounts

Some companies don't list every disount available very clearly, so the next list breaks down a few of the more well known as well as some of the hidden credits available to you.Car insurance discounts

Don't be surprised that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

Larger car insurance companies and some of the premium reductions they offer are shown below.

Double check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your area.

Auto insurance agents are professional risk managers

A small number of people just want to have an agent's advice and that is just fine! One of the benefits of comparing insurance prices online is the fact that drivers can get cheap auto insurance rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in Evansville.

Find insurance agent in EvansvilleAfter filling out this short form, the quote information gets sent to insurance agents in Evansville who will give you quotes for your auto insurance coverage. You never need to even leave your home because prices are sent instantly to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. In the event you want to quote rates from a specific auto insurance provider, feel free to go to their quote page to submit a rate quote request.

Below is a list of car insurance companies in Evansville that may be willing to give price quote information for Kia Sedona insurance in Evansville.

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Picking an insurance company is decision based upon more than just a cheap price. Some important questions to ask are:

Affordable car insurance rates are available

Insureds change insurance companies for a variety of reasons including questionable increases in premium, being labeled a high risk driver, poor customer service and policy non-renewal. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

Some insurance providers do not provide the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agents. Budget-friendly car insurance in Evansville can be sourced from both online companies and also from your neighborhood Evansville agents, so you need to compare both to have the best rate selection.

When buying insurance coverage, it's a bad idea to buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional detailed information can be read at these sites: