Cheapest Quotes for Kia Sedona Insurance in Louisville

It’s a known fact that car insurance companies want to keep your business as long as possible. People who shop for lower rates will probably switch insurance companies because they have a good chance of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that people who routinely compared quotes saved about $3,450 over four years compared to people who never shopped around for cheaper prices.

If finding the best price on auto insurance is your ultimate objective, then having a grasp of the best way to shop and compare cheaper coverage can make it easier to shop your coverage around.

Insurance rates Kia Sedona in LouisvilleThe easiest way to get cheaper Kia Sedona insurance in Louisville is to start comparing prices regularly from providers that insure vehicles in Kentucky. You can shop around by following these guidelines.

An important part of this process is that you use the same coverage limits and deductibles on each quote request and and to get prices from as many different companies as possible. This provides a fair price comparison and a complete price analysis.

What Determines Kia Sedona Insurance Prices?

When buying insurance it’s important to understand the different types of things that play a part in calculating the price you pay for insurance. If you understand what determines premiums, this enables you to make decisions that could result in cheaper rates.

The itemized list below are a partial list of the pieces used by your company to calculate your premiums.

The providers in the list below are our best choices to provide price quotes in Kentucky. To locate cheap car insurance in KY, we recommend you visit two to three different companies in order to find the most competitive rates.

Insurance coverage analysis

The table shown next outlines a range of policy rates for Kia Sedona models. Having a good understanding how insurance policy premiums are determined helps drivers make smart choices when selecting a coverage provider.

Kia Sedona Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $280 $430 $374 $22 $112 $1,218 $102
Sedona LX $280 $524 $374 $22 $112 $1,312 $109
Sedona EX $316 $524 $374 $22 $112 $1,348 $112
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.

Choosing deductibles

When buying insurance, a common question is the level to set your comp and collision deductibles. The rates shown below may aid in understanding the price difference between high and low physical damage deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Kia Sedona insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $252 $350 $278 $16 $84 $1,005 $84
Sedona LX $252 $426 $278 $16 $84 $1,081 $90
Sedona EX $284 $426 $278 $16 $84 $1,113 $93
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Kia Sedona insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $156 $220 $278 $16 $84 $754 $63
Sedona LX $156 $268 $278 $16 $84 $802 $67
Sedona EX $176 $268 $278 $16 $84 $822 $69
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can influence rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $23 more each month or $276 every year averaged for all Sedona models than quoting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 33 months between claim filings, you would probably save some money if you choose the higher deductible.

The chart below demonstrates how deductible levels and can change Kia Sedona annual premium costs for different insured age categories. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.

How accidents and violations affect rates

The illustration below shows how violations and fender-benders impact Kia Sedona premium costs for different categories of driver ages. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The diagram below shows the comparison of Kia Sedona car insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no set guideline that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Kia Sedona replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after you pay the deductible. If it’s costing in excess of $600 annually for full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Here’s why auto insurance is not optional

Even though it’s not necessarily cheap to insure a Kia in Louisville, insurance is a good idea for several reasons.

The benefits of having auto insurance outweigh the cost, particularly when you have a large claim. An average driver in America is overpaying more than $800 each year so we recommend shopping around every year to ensure rates are competitive.

Discounts can help lower rates on Kia Sedona insurance in Louisville

Companies that sell car insurance don’t list all their discounts very well, so the list below contains some of the best known and the harder-to-find credits available to you.Save money with discounts

Don’t be surprised that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic.

The illustration below visualizes the comparison of Kia Sedona insurance rates with and without discounts applied to the rates. The premiums assume a male driver, no accidents or driving violations, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, marriage, and homeowner discounts applied.

To view providers that offer many of these discounts in Kentucky, follow this link.

Comparing quotes from local Louisville auto insurance agents

Many drivers prefer to go talk to an agent and that is a smart decision Professional insurance agents will help you protect your assets and help submit paperwork. One of the benefits of comparing car insurance online is that you can find the lowest rates and also buy local.

Insurance agency in LouisvilleFor easy comparison, once you complete this simple form, your insurance coverage information is emailed to agents in your area who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents since price quotes are sent to you directly. If you want to compare rates from a particular provider, feel free to jump over to their website and submit a quote form there.

Choosing the best company should include more criteria than just a cheap quote. Any agent in Louisville should have no problem answering these questions:

The different types of auto insurance agents

When searching for a local Louisville insurance agency, it’s important to understand the different types of agencies and how they differ in how they can insure your vehicles. Car insurance agents are either exclusive agents or independent agents. Both types can insure your vehicles properly, but we need to point out the difference in how they write coverage since it can affect your agent selection.

Exclusive Agents

Exclusive agencies can only place business with one company like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets.

Below are exclusive agents in Louisville who may provide you with price quotes.

8321 Preston HwyLouisville, KY 40219(502) 964-6288View Map

4016 Preston HwyLouisville, KY 40213(502) 361-2367View Map

7619 Dixie HwyLouisville, KY 40258(502) 937-5256View Map

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Independent Agents

These type of agents do not work for one specific company so they can quote policies through many companies and get you the best rates possible. If premiums increase, an independent agent can move your coverage and you don’t have to find a new agent.

If you are trying to find cheaper rates, we recommend you compare prices from at least one independent agent to get the most accurate price comparison.

The following are independent insurance agencies in Louisville who can help you get price quotes.

Schmidt Insurance Inc
7410 New La Grange RdLouisville, KY 40222(502) 429-0477View Map

2000 Envoy Cir # 2000Louisville, KY 40299(502) 736-7000View Map

10339 Linn Station RdLouisville, KY 40223(502) 423-1611View Map

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Cheap insurance premiums are possible

Cheap Kia Sedona insurance in Louisville is definitely available both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some companies may not provide rate quotes online and most of the time these regional carriers prefer to sell through local independent agents.

As you quote Louisville auto insurance, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

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