How to Compare Denver Kia Sedona Insurance

Did a good deal turn out to be high-priced Kia Sedona insurance in Denver? Trust us, there are lots of Denver residents who feel the same.

Sadly, a large majority of car insurance policyholders in Colorado kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never compared car insurance rates at all. With the average premium in America being $1,847, drivers could save themselves $850 a year by just comparing rate quotes, but most undervalue the big savings they would realize if they switched to a more affordable policy.

Due to the abundance of companies to choose from that have cheap insurance for a Kia Sedona in Denver, it’s difficult to pick the lowest cost company.

Locating the best rates in Denver is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper auto insurance using the ideas you’re about to read. But Colorado car owners must comprehend how insurance companies determine premium rates because it varies considerably.

Save money with these six discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Some trigger automatically when you purchase, but a few need to be asked for before you will receive the discount. If you do not check that you are getting every discount available, you are not getting the best rate possible.

• Telematics Data – Insureds who allow driving data collection to look at where and when they drive by installing a telematics device such as State Farm’s In-Drive may see discounts as long as the data is positive.
• Discount for Good Grades – Being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Sign Early and Save – A few companies give discounts for signing up prior to your current Sedona insurance policy expiring. This can save 10% or more.
• Passive Restraints and Air Bags – Factory air bags can qualify for discounts as much as 30%.
• Denver Homeowners Pay Less – Owning your own home or condo can help you save on auto insurance since owning and maintaining a home demonstrates responsibility.
• Save over 55 – If you’re over the age of 55, you are able to get a discount up to 10%.

We need to note that some credits don’t apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it’s just not the way it works.

To view insurers who offer free Kia Sedona insurance quotes in Denver, follow this link.

The cheapest Denver Kia Sedona insurance

Just keep in mind that comparing all the rates in your area will improve the odds of getting more affordable rates. Not every company allows you to get online price quotes, so it’s important to also get price quotes on coverage from those companies, too.

The following companies provide quotes in Denver, CO. If multiple companies are listed, it’s a good idea that you click on several of them to get a more complete price comparison.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Denver location which can revise insurance rates considerably.

Deductible comparison

One common question asked by Denver drivers is what deductibles to buy. The premium rates below illustrate how much more you’ll pay when you select higher and lower coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can revise prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $25 more each month or $300 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 30 months between claims, you would come out ahead if you decide on a higher deductible. Below is a better example of how you can decide this on your own policy.

An important thing to remember is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a physical damage claim. You need to have enough disposable savings in the event you have to pay more to get your vehicle repaired.

What is the best car insurance coverage?

When quoting and choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different and your car insurance should unique, too. Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

• Do I need special coverage while pulling a rented trailer?
• Is there a penalty for late payment?
• Does having multiple vehicles earn me a discount?
• Are there companies who specialize in insuring high-risk drivers?
• Do all my vehicles need collision coverage?
• Is my Kia Sedona covered for smoke damage?
• Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

When to talk to an agent

Some people just prefer to get advice from a local agent and often times that is recommended A good thing about comparing insurance prices online is that drivers can save money and get lower car insurance rates and still have an agent to talk to.

Upon completion of this quick form, the quote information is transmitted to insurance agents in Denver who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own because prices are sent straight to your inbox. You can find the lowest rates AND an agent nearby. If you want to get a rate quote from one company in particular, you can always visit that company’s website and submit a quote form there.

Finding the right insurer requires more thought than just the premium amount. Any agent in Denver should have no problem answering these questions:

• Will you get a loaner vehicle if you car is being repaired?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• In the event of vehicle damage, can you pick the collision repair facility?
• Can glass repairs be made at your home?
• Are they in the agency full-time?
• Does the company have a local claim office in Denver?
• Which family members are covered?

If you prefer to buy insurance from a reliable insurance agency, you should know the types of insurance agents from which to choose. Insurance agents are either exclusive agents or independent agents.

Exclusive Insurance Agents

These agents generally can only insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They are unable to shop your coverage around so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.

Listed below are Denver exclusive agencies who can help you get rate quotes.

View more agents

Independent Agents (or Brokers)

Independent agents are normally appointed by many insurers and that is an advantage because they can write policies with a variety of different insurance companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally which makes it simple for you.

If you are comparing rate quotes, we highly recommend that you get several quotes from independent agents to ensure the widest selection of prices.

Listed below is a short list of independent insurance agents in Denver that can give you price quote information.

View more agents

Why you need Sedona insurance in Colorado

Despite the high cost of buying insurance for a Kia Sedona in Denver, paying for auto insurance is not optional due to several reasons.

• Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability protection if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your vehicle has a loan, it’s most likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Kia at a significantly higher premium and make you pay for it.
• Auto insurance preserves both your car and your assets. Insurance will pay for hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $820 a year so you should quote rates each time the policy renews to make sure the price is not too high.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, surgery, nursing services, X-ray expenses and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, a broken windshield, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sedona.

Because many people only purchase the least amount of liability that is required (which is 25/50/15), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

This pays for damage to your Sedona resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Sedona to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/15 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged property.

Liability coverage protects against claims like medical expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Colorado state law requires minimum liability limits of 25/50/15 but you should think about purchasing more liability than the minimum.

You can lower your auto insurance rates

A few companies may not offer rate quotes online and these regional insurance providers sell through independent insurance agents. Affordable Kia Sedona insurance in Denver can be bought online and with local Denver insurance agents, so you should compare both to get a complete price analysis.

While you’re price shopping online, never reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best possible price.

You just learned quite a bit of information on how to shop for Kia Sedona insurance online. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding inexpensive Denver auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Additional resources

• Comprehensive Coverage (Liberty Mutual)
• Who Has the Cheapest Denver Auto Insurance for Drivers Over Age 70? (FAQ)
• Electronic Stability Control FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)