How to Compare Columbus Kia Sedona Insurance

It’s a fact that car insurance companies don’t want policyholders to shop around. Consumers who shop around for the cheapest rate will probably switch to a new company because the odds are good of finding better rates. A recent survey revealed that drivers who compared rate quotes regularly saved about $865 a year as compared to drivers who don’t regularly compare prices.

If finding the lowest price on auto insurance in Columbus is the reason you’re reading this, knowing how to quote and compare insurance premiums can make it easier to shop your coverage around.

Insurance for Kia SedonaThe best way we recommend to get more affordable auto insurance rates in Columbus is to compare prices regularly from providers that insure vehicles in Ohio. Drivers can shop around by following these steps.

One piece of advice is to make sure you enter the same level of coverage on every price quote and and to get prices from as many different insurance providers as possible. This provides a level playing field and a complete selection of prices.

If you have coverage now, you will surely be able to reduce premiums using this strategy. The goal of this article is to introduce you to how insurance works and some tips to save money. But Ohio vehicle owners should learn how big insurance companies calculate their prices and use it to your advantage.

Informed Consumers Can Reduce Their Insurance Premiums

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. When consumers understand what impacts premium levels, this helps enable you to make changes that may result in cheaper rates. Many different elements are considered when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are not as apparent like your continuous coverage or how financially stable you are.

Shown below are just a few of the factors utilized by car insurance companies to help set rates.

Insurance statistics for a Kia Sedona

The coverage information shown next outlines detailed analysis of rate quotes for Kia Sedona models. Having a good grasp of how auto insurance policy rates are figured is important for making decisions on which insurance to purchase.

Kia Sedona Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $138 $192 $196 $12 $58 $596 $50
Sedona LX $138 $234 $196 $12 $58 $638 $53
Sedona EX $156 $234 $196 $12 $58 $656 $55
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates noticeably.

The illustration below shows how choosing a deductible and can change Kia Sedona insurance costs for each different age category. The price estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Reckless driving habits raise insurance rates

The information below demonstrates how speeding tickets and accident claims can impact Kia Sedona insurance prices for different categories of driver ages. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.

Insurance rates by age and gender

The information below shows the difference between Kia Sedona auto insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Kia Sedona liability-only versus full coverage

The illustration below illustrates the comparison of Kia Sedona insurance prices with full coverage compared to only the Ohio minimum liability coverage. The premium estimates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are applied.

Are you wasting money on full coverage?

There isn’t a written rule to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Kia Sedona settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Get lower-cost Kia Sedona insurance in Columbus with discounts

Car insurance is not cheap, but there are discounts available to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be specially asked for before being credited.Save money with discounts

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

The diagram below illustrates the difference between Kia Sedona insurance rates with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Ohio 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 marriage, multi-policy, safe-driver, multi-car, claim-free, and homeowner discounts applied.

Car insurance companies that possibly offer these discounts include:

Before you buy a policy, ask every insurance company to give you their best rates. Some discounts listed above might not apply in your area.

Do the work, save more money

While you’re price shopping online, never reduce needed coverages to save money. There are many occasions where an insured cut liability coverage limits only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

You just learned a lot of ways to lower your Kia Sedona insurance rates in Columbus. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.

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