Cheap Insurance for a Kia Sedona in Lexington

Are you tired of sacrificing other expenses to buy car insurance? You are in the same boat as the majority of other drivers in Kentucky.

Discount Kia Sedona insuranceIt’s safe to conclude that car insurance companies don’t want you comparing rates. Drivers who compare rates annually are very likely to move their business because they have good chances of finding more affordable rates. A study discovered that consumers who faithfully checked for cheaper rates saved as much as $72 a month as compared to drivers who never shopped around for lower prices.

If finding the lowest price for Kia Sedona insurance in Lexington is your ultimate goal, then learning a little about how to find companies and compare coverage rates can make it simple to find affordable coverage.

Online insurance companies like GEICO, Progressive and Allstate all claim big savings with TV and radio ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

If you are already insured, you will surely be able to find better prices using these tips. Locating the best insurance company for you in Lexington is not that difficult. Nevertheless, Kentucky drivers can benefit by having an understanding of the way companies charge you for coverage because rates fluctuate considerably.

Many insurance companies make it easy to get insurance quotes direct online. Getting online quotes for Kia Sedona insurance in Lexington is very simple as you simply type in your required coverages into a form. Upon sending the form, their system requests credit information and your driving record and returns a price quote. Getting online rate quotes for Kia Sedona insurance in Lexington simplifies rate comparisons, and it’s very important to compare as many rates as possible if you want to find a lower rate.

To quickly compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you duplicate the limits and deductibles just like they are on your policy. This helps ensure you will have a rate comparison based on the exact same insurance coverage.

The providers in the list below provide comparison quotes in Kentucky. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Car insurance policy discounts you can’t miss

Not many people think insurance is cheap, but there could be significant discounts to help offset the cost. Some of these discounts will be visible at the time of quoting, but some must be manually applied before you will receive the discount.Car insurance discounts

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The diagram below visualizes the comparison of Kia Sedona car insurance rates with and without policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, full physical damage coverage, and $500 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, marriage, claim-free, and homeowner discounts applied.

Popular car insurance companies and their offered discounts are shown below.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings might not be available to policyholders everywhere. To choose providers that provide some of the discounts listed above in Lexington, click here to view.

Coverage analysis

The rate table shown below covers detailed analysis of rate quotes for Kia Sedona models. Understanding how policy premiums are formulated is important to be able to make informed decisions when comparing rates.

Kia Sedona Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $242 $408 $292 $18 $88 $1,048 $87
Sedona LX $242 $498 $292 $18 $88 $1,138 $95
Sedona EX $272 $498 $292 $18 $88 $1,168 $97
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in vehicle location which can increase or decrease coverage rates noticeably.

Deductible comparison

When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates shown below highlight the price difference when you select higher and lower insurance deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $500 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
Get Your Own Custom Quote Go

Kia Sedona insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $206 $282 $278 $16 $84 $866 $72
Sedona LX $206 $342 $278 $16 $84 $926 $77
Sedona EX $232 $342 $278 $16 $84 $952 $79
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in Lexington location which can alter rates greatly.

Based on this data, using a $250 deductible would cost the average driver about $13 more each month or $156 every year than quoting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 19 months between claims, you would save money if you choose a higher deductible.

The information below illustrates how your deductible choice and can change Kia Sedona insurance premiums for each different age category. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Does full coverage make sense?

The illustration below visualizes the comparison of Kia Sedona car insurance rates when comparing full coverage to state minimum liability only. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no set guideline to eliminate full coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Kia Sedona claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If it’s costing you more than $500 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are a few cases where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Informed Drivers Save More

Many factors are taken into consideration when you get a price on insurance. Some are obvious such as your driving record, although some other factors are not as apparent such as your credit history or your commute time. Smart consumers have a good feel for a few of the rating criteria that are used to determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find lower insurance prices.

Little extras can really add up – Insurance policies have a lot of add-on coverages that can add up if you aren’t diligent. Things like personal injury protection, accident forgiveness, and term life insurance are some examples. They may sound like good ideas when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.

Cheap prices for being claim-free – If you are a frequent claim filer, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies in Kentucky award lower rates to policyholders who file claims infrequently. Your car insurance is designed for claims that you cannot pay yourself.

Gender as a rate factor – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving.

The illustration below illustrates the difference between Kia Sedona insurance costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $100 deductibles, single status, and no additional discounts are factored in.

Drive fewer miles and save – The more miles you rack up on your Kia in a year’s time the more it will cost to insure it. Almost all companies calculate rates based on their usage. Vehicles that sit idle most of the time can get a lower rate than those used for commuting. Ask your agent if your vehicle rating reflects the proper vehicle usage. Having an incorrect usage rating on your Sedona can cost quite a bit.

Lower rates come with age – Inexperience drivers are statistically shown to get distracted easily when behind the wheel therefore insurance rates are much higher. Parents adding a teen driver to your insurance policy can be very expensive. Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.

The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Kia Sedona insurance loss data – Insurers use claims history to calculate a price that will offset losses. Vehicles that the data shows to have a trend towards higher claims will be charged more to insure.

The table shown below demonstrates the insurance loss data used by companies for Kia Sedona vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is set at 100. Numbers shown that are under 100 represent a good loss history, while numbers above 100 indicate more frequent losses or statistically larger claims.

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

Insurance agent or online?

Many people still prefer to sit down with an agent and we recommend doing that A nice benefit of comparing rate quotes online is you can get cheaper premium rates and still choose a local agent. And buying from local insurance agencies is definitely important in Lexington.

Insurance agents in LexingtonOnce you complete this simple form, your insurance coverage information is immediately sent to agents in your area that provide free Lexington car insurance quotes and help you find cheaper coverage. There is no reason to even leave your home as quotes are delivered directly to you. It’s the lowest rates without requiring a lot of work. If you want to quote rates for a specific company, you can always visit that company’s website and fill out their quote form.

Multiple types of car insurance agents in Lexington

If you’re trying to find a reliable insurance agency, it’s helpful to know the types of insurance agents and how they work. Insurance policy providers are either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Independent agencies are not restricted to one company and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If your agent finds better pricing, they simply switch companies in-house and you don’t have to find a new agent. If you need lower rates, you will definitely want to get some free quotes from at least one independent agent to ensure the widest selection of prices.

Below is a list of independent agencies in Lexington who can help you get price quotes.

3320 Clays Mill Rd #211Lexington, KY 40503(859) 219-0972View Map

989 Governors LnLexington, KY 40513(859) 277-8877View Map

2220 Executive Dr #203Lexington, KY 40505(859) 286-7094View Map

More Lexington agents

Exclusive Agencies

Agents of this type are contracted to one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company’s products which aids in selling service over price.

Listed below is a list of exclusive insurance agents in Lexington that can give you comparison quotes.

340 E New Cir Rd #120Lexington, KY 40505(859) 543-0300View Map

3101 Clays Mill Rd Suite 402Lexington, KY 40503(859) 278-8415View Map

3101 Richmond Rd #311aLexington, KY 40509(859) 488-2531View Map

More Lexington agents

Picking the best insurance agent requires you to look at more than just the premium amount. These are some questions you should get answers to.

Situations that may require an agent’s advice

When choosing your policy, there really is no “perfect” insurance plan. Your needs are unique to you.Car insurance savings

For instance, these questions may help you determine if you would benefit from an agent’s advice.

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

In the end, you can save money

In this article, we presented many ideas to shop for Kia Sedona insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the best premium rates are with an unexpected company.

Discount Kia Sedona insurance in Lexington is attainable both online in addition to local insurance agencies, so you need to shop Lexington car insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer rate quotes online and these smaller providers only sell through independent agencies.

Insureds leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers or even questionable increases in premium. No matter why you want to switch, switching insurance companies is actually quite simple.

Steps to finding lower priced Kia Sedona insurance in Lexington

It takes a little time, but the best way to get low-cost Kia Sedona insurance in Lexington is to start comparing prices yearly from different companies who sell auto insurance in Kentucky. Rate comparisons can be done by completing these steps.

First, read and learn about car insurance and the measures you can control to lower rates. Many things that cause rate increases such as traffic tickets, fender benders, and your credit history can be eliminated by making small lifestyle or driving habit changes.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote rates from many different companies. Compare rates now

Third, compare the price quotes to your current policy premium to determine if switching companies saves money. If you find a lower rate and change companies, make sure coverage does not lapse between policies.

Fourth, give notification to your agent or company of your intention to cancel the current policy. Submit the application along with any required down payment for the new policy. As soon as you have the new policy, keep the new certificate verifying coverage with the vehicle registration.

An essential thing to point out is to use the same physical damage deductibles and liability limits on each quote and and to get rate quotes from every company you can. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.

More detailed insurance information is located by following these links: