How to Compare Baltimore Kia Sedona Insurance

The recommended way to get affordable Kia Sedona insurance is to begin comparing prices regularly from providers that insure vehicles in Baltimore. Price quotes can be compared by completing these steps.

Step 1: Read about car insurance and the measures you can control to lower rates. Many rating criteria that drive up the price such as traffic violations, accidents, and your credit history can be eliminated by making minor driving habit or lifestyle changes. Continue reading for tips to help reduce premium rates and find missing discounts.

Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple companies. Click to view companies

Step 3: Compare the price quotes to your existing coverage and see if you can save money. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.

Step 4: Tell your current agent or company of your intent to cancel your current auto insurance policy. Submit a down payment along with a completed application to the new insurer. As soon as you receive it, keep the new certificate verifying coverage along with the vehicle’s registration papers.

A key point to remember is that you’ll want to compare identical deductibles and limits on each quote request and and to get price estimates from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price quote selection.

It’s hard to believe, but most drivers kept their coverage with the same car insurance company for at least four years, and just under half have never compared rates to find cheap insurance. Drivers in Maryland could save nearly $750 every year, but they underestimate how much they could save if they bought a different policy.

Finding Kia Sedona insurance in Baltimore, MD

Most of the larger companies allow you to get coverage prices online. Doing online price comparisons for Kia Sedona insurance in Baltimore is possible for anyone as you just enter your coverage information into the quote form. Once entered, their rating system collects credit information and your driving record and returns pricing information determined by many factors. Getting online rates for Kia Sedona insurance in Baltimore makes it simple to compare prices and it is important to have as many quotes as possible in order to get the cheapest possible prices on auto insurance.

To compare rates using this form now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. This makes sure you will have a rate comparison for similar coverage.

The companies in the list below are ready to provide free rate quotes in Maryland. If you want the best car insurance in Baltimore, MD, we suggest you get rates from several of them in order to get a fair rate comparison.

Earn discounts on Baltimore car insurance

The price of auto insurance can be rather high, but there’s a good chance there are discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of quoting, but occasionally some discounts must be asked about in order for you to get them. If you’re not getting every credit available, you are throwing money away.

• Bundled Policy Discount – When you have multiple policies and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
• Telematics Data – Drivers who elect to allow companies to study driving manner remotely like Allstate’s Drivewise might see lower rates as long as the data is positive.
• Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
• No Claim Discounts – Insureds who avoid accidents and claims pay less in comparison to policyholders that have many claims.
• New Car Discount – Buying a new car instead of a used Sedona is cheaper because newer vehicles keep occupants safer.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Good Students Pay Less – Excelling in school may save as much as 25% on a Baltimore car insurance quote. Earning this discount can benefit you until age 25.
• College Student Discount – College-age children living away from Baltimore attending college and won’t have access to an insured vehicle could get you a discount.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can earn lower prices on the low mileage vehicles.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

The diagram below compares Kia Sedona insurance prices with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A partial list of companies that may offer policyholders most of the discounts above include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before buying, ask each company or agent which discounts you may be entitled to. Savings might not be available to policyholders in your state. To see insurers offering car insurance discounts in Maryland, follow this link.

Analysis of Kia Sedona rates

The rate information displayed next showcases a range of prices for Kia Sedona models. Having insight into how insurance prices are established can aid in making informed decisions when comparing rates.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific location which can revise coverage prices greatly.

Insurance deductibles

When buying insurance, a common question is at what level do you set your deductibles. The rates below summarize the differences in price of buying low and high coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices significantly.

We can derive from the above data that using a $100 deductible costs roughly $39 more each month or $468 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 23 months between claims, you would more than likely save some money if you choose the higher deductible.

Rate comparison of full coverage and liability-only

The information below shows the difference between Kia Sedona insurance premiums when comparing full coverage to state minimum liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, single status, and no discounts are applied.

When to stop buying physical damage coverage

There is no definitive formula of when to drop comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Kia Sedona replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying the physical damage deductible. If premiums are more than $800 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Why Your Insurance Rates might be higher

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that aid in calculating car insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that can earn you better car insurance rates. Many factors are considered when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but some are not as apparent like your continuous coverage or your financial responsibility.

• Insurance companies don’t like frequent policy claims – Companies in Maryland generally give the best rates to insureds who file claims infrequently. If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Your car insurance is intended to be relied upon for the large, substantial claims.

• Good drivers pay less – Good drivers tend to pay less for car insurance compared to bad drivers. Even one citation could increase your next policy renewal twenty percent or more. Drivers who have received severe violations like DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.

  The illustration below highlights how speeding tickets and at-fault accidents influence Kia Sedona car insurance rates for different categories of driver ages. The information is based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

• Drive less and get lower costs – The higher the mileage driven each year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how much you drive. Autos not used for work or commuting can get a lower rate than those used for commuting. Make sure your declarations sheet is rated on the correct usage for each vehicle. Incorrect rating for your Sedona can cost quite a bit.
• Car plus home equals more savings – Many car insurance companies give a discount to people who buy several policies from them in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, consumers should still check prices from other companies to help guarantee you have the best rates.
• Safer cars mean better prices – Cars with five star safety ratings tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
• Lower rates with continuous car insurance coverage – Driving with no insurance can get you a ticket and you will pay a penalty because you let your coverage lapse. Not only will you pay higher rates, getting caught without coverage might get you a fine, jail time, or a revoked license.
• Premiums may be lower depending on your employer – Careers such as fire fighters, airline pilots, and accountants generally have higher rates than the rest of us attributed to high stress levels and long work days. On the other hand, occupations such as scientists, historians and the unemployed pay the least.

• Kia Sedona claim statistics – Car insurance companies factor in historical loss data when setting rates for each model. Models that historically have a trend towards higher claims will have a higher cost to insure. The table below shows the compiled insurance loss statistics for Kia Sedona vehicles.

  For each type of coverage, the claim probability for all vehicles, regardless of make or model, is a value of 100. Numbers that are below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate more frequent claims or tendency to have higher losses.

  
  

  Insurance Loss Ratings for Kia Sedona Vehicles

  Make and 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
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Can’t I compare prices from local Baltimore insurance agents?

Certain consumers would prefer to buy from a local agent and that is a personal choice. Professional insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is you may find cheap insurance rates but also keep your business local.

To find an agent, once you fill out this quick form, your insurance coverage information is instantly submitted to local insurance agents that can give you free Baltimore car insurance quotes to get your business. You won’t even need to contact an agency as quotes are delivered to the email address you provide. If for some reason you want to compare rates from one company in particular, you just need to visit that company’s website and complete a quote there.

Deciding on an company shouldn’t rely on just a cheap quote. The answers to these questions are important, too.

• How long have they worked with personal auto insurance coverage?
• Does the agent have a valid license to sell insurance in Maryland?
• What insurance companies do they work with in Baltimore?
• Do they have 24-hour customer assistance?
• Is auto insurance their primary focus in Baltimore?
• Are they actively involved in the community?
• What is the agency’s Better Business Bureau rating?
• Does the company use OEM repair parts?

The following is a short list of insurance companies in Baltimore willing to provide price quote information for Kia Sedona insurance in Baltimore.

More insurance agents

When should I discuss my situation with an agent?

When quoting and choosing insurance from an agent or online, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my babysitter covered when using my vehicle?
• Should I waive the damage coverage when renting a car?
• Am I covered if I hit a deer?
• Am I covered when driving someone else’s vehicle?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

You can lower your car insurance rates

Cheaper Kia Sedona insurance in Baltimore is definitely available both online as well as from independent agents in Baltimore, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online quoting and many times these smaller companies only sell through independent agents.

In this article, we presented a lot of techniques to lower your Kia Sedona insurance auto insurance rates in Baltimore. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for any number of reasons including denial of a claim, delays in paying claims, lack of trust in their agent and even poor customer service. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

More detailed car insurance information can be read at these sites:

• A Tree Fell on Your Car: Now What? (Allstate)
• Who Has Affordable Auto Insurance for Drivers with Accidents in Baltimore? (FAQ)
• Who Has the Cheapest Baltimore Auto Insurance for Single Moms? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)