Compare Kia Sedona Insurance Quotes in Seattle

Discount Kia Sedona insuranceWould you like to buy cheaper Kia Sedona insurance in Seattle? Pricey Kia Sedona insurance in Seattle can bleed your budget and make it tough to pay other bills. Getting a rate comparison is a smart way to lower your monthly bill.

Unbelievably, the vast majority of consumers in Washington kept their coverage with the same auto insurance company for a minimum of four years, and approximately 38% of consumers have never shopped around. With the average premium in the U.S. being $1,847, drivers can save hundreds of dollars each year by just shopping around, but they underestimate the amount of savings they would get if they changed companies. Since you have so many options when it comes to auto insurance, it can be challenging to find the right insurance company.

Finding and comparing the best-priced protection in Seattle is quite easy. If you have a current auto insurance policy or just want to save money, you can use these tips to cut your premiums and possibly find even better coverage. Consumers only have to learn the fastest way to compare price quotes online.

How to Lower Your Insurance Premiums

Many factors are used when you get a price on insurance. Most are fairly basic like an MVR report, but other factors are less obvious like where you live and annual miles driven.

Prevent theft and save – Purchasing a vehicle with an alarm system can save you a little every year. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

Being married can lower premiums – Getting married may save some money compared to being single. Having a significant other demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Do you have enough liability? – Your policy’s liability coverage will afford coverage if a jury decides you are liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage to defend your case. It is affordable coverage as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

The type of vehicle you drive affects your rates – The make and model of the vehicle you are insuring makes a big difference in determining your rates. The cheapest rates are usually found on economy passenger models, but other factors influence the final cost greatly. Since the Kia Sedona is classified as a van and minivan, insuring your vehicle will cost similar in price as compared to the average rate in Seattle.

Raise physical damage deductibles and save – Physical damage deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, damage from fire, or theft of your vehicle. The more you are required to pay out-of-pocket, the lower your rates will be.

Miles impacts costs – The more you drive your Kia each year the higher your rates will be. A lot of insurance companies calculate prices based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Sedona may be costing you higher rates. Make sure your policy properly reflects the correct driver usage.

Insurance loss data for Kia Sedona vehicles – Companies use historical loss data when setting rates for each model. Vehicles that are shown to have a trend towards higher claims will have a higher cost to insure. The table below shows the actual insurance loss data for Kia Sedona vehicles.

For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, equals 100. Numbers under 100 indicate a favorable loss history, while percentage numbers above 100 indicate frequent claims or tendency to have higher losses.

Car Insurance Loss Data for Kia Sedona Models

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116

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

The fastest way that we advise to get rate comparisons for Kia Sedona insurance in Seattle takes advantage of the fact almost all companies provide online access to compare their rates. To start a quote, the only thing you need to do is provide the companies a bit of rating information including whether your vehicle is owned or leased, whether you have decent credit, the make and model of your vehicles, and your occupation. That rating data is then sent to multiple insurance providers and they return quotes very quickly.

To start a quote now, click here and enter your zip code.

The companies shown below provide quotes in Washington. If multiple companies are shown, it’s highly recommended you visit several of them to get the lowest price.

Kia Sedona Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $122 $204 $284 $16 $84 $710 $59
Sedona LX $110 $206 $240 $14 $72 $642 $54
Sedona EX $220 $380 $236 $14 $70 $920 $77
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in Seattle location which can lower or raise premium rates significantly.

Should you raise deductibles?

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The rates below can help illustrate the premium difference when you choose different insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Kia Sedona insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $228 $316 $250 $14 $76 $909 $76
Sedona LX $228 $384 $250 $14 $76 $977 $81
Sedona EX $258 $384 $250 $14 $76 $1,007 $84
Get Your Own Custom Quote Go

Kia Sedona insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $140 $198 $250 $14 $76 $678 $57
Sedona LX $140 $242 $250 $14 $76 $722 $60
Sedona EX $158 $242 $250 $14 $76 $740 $62
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific zip code location which can impact coverage rates noticeably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $20 more each month or $240 every year than selecting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 38 months between claim filings, you would probably come out ahead by going with a higher deductible. The table below illustrates an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $80
Average monthly premium for $1,000 deductibles (subtract): – $60
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

It may be expensive, but it’s not optional

Despite the fact that auto insurance is not cheap in Seattle, buying auto insurance may be required and benefits you in several ways.

First, most states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Kia Sedona has a lien holder, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Kia at a much higher premium rate and require you to reimburse them for the much more expensive policy.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver is overpaying over $850 per year so shop around every year to be sure current rates are still competitive.

Get affordable rates by taking advantage of discounts

Companies do not list every policy discount in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known discounts that you can inquire about if you buy Seattle auto insurance online.Discount car insurance

You should keep in mind that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies that offer multiple discounts in Seattle, follow this link.

Local Seattle auto insurance agents

Some people still prefer to get advice from a local agent and that is a personal choice. Good agents can answer important questions and help file insurance claims. One of the benefits of getting free rate quotes online is that drivers can save money and get cheaper premium rates and still have an agent to talk to. Putting coverage with small agencies is still important in Seattle.

Insurance agents in SeattleTo make it easy to find an agent, after completing this simple form, your insurance data is sent to local insurance agents in Seattle who will give you quotes for your car insurance coverage. You never need to even leave your home since price quotes are sent to you. If you need to get a price quote from a specific insurance company, you can always search and find their rate quote page and submit a quote form there.

Below are agents in Seattle that may be able to provide price quote information for Kia Sedona insurance in Seattle.

9627 Aurora Ave NSeattle, WA 98103(206) 527-0888View Map

9776 Holman Rd NW #107Seattle, WA 98117(206) 788-4640View Map

6951 Martin Luther King Jr Way S #224Seattle, WA 98118(206) 243-3041View Map

320 NE 97th St cSeattle, WA 98115(206) 529-2700View Map

More insurance agents

Finding the right company should include more criteria than just a low price. Agents should be asked these questions:

After receiving satisfactory answers to any questions you have as well as offering an affordable quote, you’ve probably found an provider that is reputable and can provide car insurance coverage. But keep in mind you are entitled to cancel your policy whenever you wish so don’t think that you’re stuck with any particular company for the entire policy term.

When in doubt talk to an agent

When quoting and comparing the best insurance coverage, there isn’t really a one-size-fits-all type of policy. Your needs are not the same as everyone else’s and your policy should reflect that.Higher deductibles save money
These are some specific questions might help in determining whether or not you will benefit from professional help.

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Compare. Compare. Compare.

You just read many ways to save on Kia Sedona insurance in Seattle. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the best prices are with the least-expected company. Smaller companies may often insure only within specific states and give better rates compared to the large companies like GEICO and State Farm.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an insured cut collision coverage only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

A few companies may not provide online price quotes and usually these regional carriers prefer to sell through independent agents. Lower-priced Kia Sedona insurance in Seattle is definitely available from both online companies and also from your neighborhood Seattle agents, and you need to price shop both to get a complete price analysis.

Much more information about insurance in Washington can be read on the following sites: