Affordable Insurance for a Kia Sedona in Scottsdale

Would you prefer to buy the cheapest Kia Sedona insurance in Scottsdale? Finding cheaper rates for Kia Sedona insurance in Scottsdale might be a challenge for drivers who are new to quoting and comparing prices online. People have so many options that it can be a challenge to find more affordable rates on Kia Sedona insurance.

It’s shocking but a large majority of drivers have purchased from the same company for over three years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. The average driver in Scottsdale could save nearly 50% each year by just shopping around, but they just don’t understand how easy it is to find lower-cost rates by getting comparison quotes.

You should take the time to do rate comparisons before your next renewal because prices change regularly. Even if you think you had the best price on Kia Sedona insurance in Scottsdale on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to properly buy coverages and cut your premium.

When shopping for Kia Sedona insurance in Scottsdale there are multiple ways of comparing rate quotes from many available auto insurance companies in Arizona. The recommended way to do a complete rate comparison consists of shopping online.

When price shopping your coverage, more quotes provides better odds of finding more affordable rates. Not every company provides online Scottsdale Sedona insurance quotes, so it’s necessary to compare rates from them, too.

The providers in the list below are our best choices to provide comparison quotes in Scottsdale, AZ. In order to find the best car insurance in Scottsdale, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Kia Sedona coverage analysis

The rate table shown next covers estimates of insurance premium costs for Kia Sedona models. Learning more about how insurance prices are established can help you make decisions when shopping your coverage around.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage rates substantially.

Choosing deductibles

One frequently asked question is which deductible level should you buy. The data tables below show the differences in premium rates of buying low and high policy deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can alter auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $12 more each month or $144 a year across all Kia Sedona models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 21 months between claim filings, you would save more money if you elect the higher deductible.

The example below highlights how deductible selection and can affect Kia Sedona insurance prices for different insured age categories. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Gender-based car insurance premiums in Scottsdale

The information below illustrates the comparison of Kia Sedona insurance prices for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Cut Insurance Costs with These Tips

Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other factors are more obscure such as whether you are married or your financial responsibility.

• Car and home together may be cheaper – Most insurance companies will award lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Discounts can be 10 percent or more. Even with this discount applied, consumers should still shop around to ensure the best deal. You may still be able to find lower rates by buying auto insurance from a different company.

• Premiums increase with driving tickets – Having just one ticket may increase your cost substantially. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have multiple violations such as reckless driving, hit and run or driving under the influence may need to prove financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.

  The example below shows how violations and at-fault fender-benders can influence Kia Sedona auto insurance rates for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

• Married people drive safer – Your spouse actually saves money on your auto insurance policy. It translates into being more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Rates and your address – Residing in less populated areas is a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have much more traffic and much longer commute distances. Fewer drivers on the road means fewer accidents and a lower car theft rate.
• High credit equals lower rates – An insured’s credit history can be a huge factor in calculating your auto insurance rates. People that have very high credit ratings tend to be better risks to insure than those with bad credit. So if your credit history is not that good, you could potentially save money when insuring your Kia Sedona by spending a little time repairing your credit.
• Safeguard your assets with liability protection – Your policy’s liability coverage kicks in if you are responsible for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
• Cut rates and deter theft – Buying a car with a theft deterrent system can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
• Do you know your coverage deductibles? – The deductibles you choose are the amount of money the insured will be required to pay in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims would be colliding with a stationary object, animal collisions, or theft of your vehicle. The more money you have to pay, the less your auto insurance will be.

• Loss probability for a Kia Sedona – Auto insurance companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that are shown to have higher loss trends will cost more for specific coverages. The table shown below demonstrates the insurance loss data for Kia Sedona vehicles.

  For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values under 100 represent a good loss history, while values that are above 100 indicate higher probability of having a loss or a tendency for claims to be larger.

  
  

  Kia Sedona Insurance Loss Statistics

  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
  Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance is an important decision

Despite the high cost, maintaining insurance is required in Arizona but it also protects you in many ways.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Sedona, it’s most likely the lender will make it mandatory that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Kia at a more expensive rate and force you to pay much more than you were paying before.
• Auto insurance protects both your assets and your car. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your Kia gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance definitely exceed the price paid, especially for larger claims. According to a 2015 survey, the average American driver overpays more than $820 a year so compare rates at every renewal to ensure rates are competitive.