Save Money on Kia Sedona Insurance in Philadelphia

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Kia Sedona

Insurance quote for Kia Sedona in PhiladelphiaAre you searching for cheaper Kia Sedona insurance in Philadelphia? Having to pay for expensive auto insurance in Philadelphia can deplete your savings account and force you to cut corners elsewhere. Comparison shopping is an excellent way to ensure you are getting the best deal.

It's an obvious conclusion that insurance companies don't want you quoting rates from other companies. Drivers who shop around for cheaper rates will presumably buy a different policy because there is a high probability of getting low-cost coverage. A study discovered that people who shopped around annually saved on average $865 annually as compared to drivers who never shopped around.

If finding low prices for car insurance is your intention, then learning about how to find companies and compare coverage rates can help make the process easier and more efficient.

Due to the large number of options for buying lower-cost insurance for a Kia Sedona in Philadelphia, it can be impossible to find the best insurance company.

It's a good idea to check auto insurance prices before your next renewal because rates tend to go up over time. Even if you think you had the best premium rates on Kia Sedona insurance in Philadelphia on your last policy you will most likely find a better price today. There are a lot of ways to save on Sedona insurance online but you can learn some good information on how to find cheap auto insurance in Philadelphia.

When quoting car insurance, remember that comparing more quotes helps improve the odds of finding better pricing. Some companies don't provide price estimates online, so it's important to compare quotes from those companies as well.

The companies shown below offer quotes in Philadelphia, PA. If several companies are displayed, we recommend you click on several of them in order to find the most competitive rates.

Get cheaper Kia Sedona insurance rates in Philadelphia

Car insurance is not inexpensive, but discounts can save money and there are some available that can drop the cost substantially. Many discounts should be triggered when you get a quote, but a few must be asked for before you will receive the discount.Cheaper car insurance with discounts

  • Telematics Data Discounts - Insureds who allow driving data collection to look at vehicle usage by using a telematics device such as Allstate's Drivewise and State Farm's In-Drive system could save a few bucks if they exhibit good driving behavior.
  • Philadelphia Homeowners Pay Less - Owning your own home or condo may trigger a policy discount on car insurance because it requires a higher level of personal finance.
  • Good Student - Excelling in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Auto/Home Discount - If you can combine your auto and homeowners policy and place coverage with the same company you may earn up to 20% and get you cheaper Sedona insurance.
  • Government Employee Discount - Simply working for the federal government can save as much as 8% with certain companies.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, you're out of luck. But any discount will positively reduce your policy premium.

The diagram below illustrates the difference between Kia Sedona insurance costs with and without some available policy discounts. The information is based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, multi-car, and claim-free discounts applied.

Some companies who may offer some of the above discounts include:

When comparing rates, check with every company which credits you are entitled to. Some discounts might not apply in your area.

Kia Sedona insurance analysis

The rate information shown below highlights a range of coverage prices for Kia Sedona models. Being able to understand how policy rates are established is important for drivers to make smart choices when purchasing an insurance policy.

Kia Sedona Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $136 $228 $316 $18 $94 $792 $66
Sedona LX $136 $278 $316 $18 $94 $842 $70
Sedona EX $152 $278 $316 $18 $94 $858 $72
Get Your Own Customized Quote Go

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can impact prices significantly.

Comparison of policy deductibles

One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The rates below determine the difference in cost of buying low and high insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Kia Sedona insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $254 $352 $280 $16 $84 $1,011 $84
Sedona LX $254 $428 $280 $16 $84 $1,087 $91
Sedona EX $288 $428 $280 $16 $84 $1,121 $93
Get Your Own Customized Quote Go
Kia Sedona insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $158 $222 $280 $16 $84 $760 $63
Sedona LX $158 $270 $280 $16 $84 $808 $67
Sedona EX $178 $270 $280 $16 $84 $828 $69
Get Your Own Customized Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in vehicle garaging location which can change prices noticeably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $23 more each month or $276 a year than requesting 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 tend to average at a minimum 33 months between claim filings, you would probably be better off if you elect the higher deductible.

Careless drivers pay higher rates

The diagram below highlights how traffic violations and at-fault collisions can impact Kia Sedona car insurance costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Can't I compare rates from local Philadelphia car insurance agents?

Many drivers just want to visit with an insurance agent and that is a smart decision The best thing about comparing rates online is that you can find cheap rate quotes and still choose a local agent.

Insurance agents in PhiladelphiaBy using this simple form, your insurance data is instantly submitted to insurance agents in Philadelphia who will give you quotes for your business. You won't even need to contact any insurance agencies due to the fact that quote results will go to you instantly. You can find the lowest rates and work with a local agent. If you wish to get a rate quote from a specific insurance company, don't hesitate to go to their quote page and fill out their quote form.

Finding a good insurer is decision based upon more than just a cheap price quote. Here are some questions you should ask.

  • If your car is in the repair shop, do you have coverage for a rental car?
  • How are claims handled?
  • How would your car be valued if totaled?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Do they receive special compensation for putting your coverage with one company over another?

When should I discuss my situation with an agent?

When it comes to insurance from an agent or online for your personal vehicles, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else's.Higher deductibles save money

Here are some questions about coverages that may help you determine if your situation might need an agent's assistance.

  • Do I benefit by insuring my home with the same company?
  • Is other people's property covered if stolen from my vehicle?
  • What if I total my Kia Sedona and owe more than it's worth?
  • What is the difference between personal and commercial auto insurance policies?
  • Is my babysitter covered when using my vehicle?
  • Can I still get insurance after a DUI?
  • What states are considered no-fault?
  • Can I drive in Mexico and have coverage?

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Informed Drivers Can Lower Insurance Rates

Many factors are considered when you get a price on insurance. Some factors are common sense like your driving record, although some other factors are more transparent such as whether you are married or your vehicle rating. A large part of saving on car insurance is knowing the rating factors that help calculate your car insurance rates. If you understand what impacts premium levels, this empowers consumers to make smart changes that could result in cheaper rates.

  • Little extras can really add up - Policies have extra bells and whistles that may not really be needed but may not be useful. Coverages like roadside assistance, towing, and extra equipment coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Fast cars cost more to insure - The make and model of the car, truck or SUV you are insuring makes a significant difference in your premium level. The cheapest rates are usually found on smaller low performance passenger cars, but that's not the only thing that factors into the final price.

    The data below uses these variables: married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Kia Sedona insurance premiums compared to other makes and models that have different performances.

  • Deter theft and pay less - Buying a car with an alarm system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
  • What are your deductibles? - Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Kia. Some examples of covered claims are a broken side mirror, flood damage, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if the claim is covered. The more money you pay before a claim is paid (deductible), the lower your rates will be.
  • Kia Sedona insurance loss data - Insurers include the past claim history for a vehicle to help calculate a profitable premium rate. Vehicles that are shown to have higher frequency or amount of claims will have a higher cost to insure.

    The data below shows the compiled insurance loss statistics for Kia Sedona vehicles. For each policy coverage, the statistical loss for all vehicles, without regard to make or model, equals 100. Percentages below 100 indicate better than average losses, while numbers above 100 point to more claims or a tendency for losses to be larger than average.

    Car Insurance Loss Data for Kia Sedona Models
    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

Why you need quality insurance for your Sedona

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

  • Just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your Sedona, most lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may insure your Kia at a much higher premium rate and make you pay much more than you were paying before.
  • Insurance preserves both your assets and your Kia Sedona. It will also cover all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Kia gets damaged, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.

Persistence is the key to affordable rates

Affordable Kia Sedona insurance in Philadelphia is possible on the web and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies do not provide rates over the internet and most of the time these small, regional companies only sell through local independent agencies.

In this article, we covered a lot of ways to find affordable Kia Sedona insurance in Philadelphia. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the best price on car insurance is with a company that doesn't do a lot of advertising.

Drivers switch companies for any number of reasons including unfair underwriting practices, delays in responding to claim requests, policy cancellation or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

To read more, take a look at the resources below: