Compare Kia Sedona Insurance Quotes in Jacksonville

It’s a fact that auto insurance companies don’t want you shop around. Consumers who shop for lower rates are likely to switch to a new company because there is a high probability of finding a more affordable policy premium. A study showed that drivers who compared rates annually saved approximately $3,500 over four years compared to people who didn’t regularly shop around.

If finding the lowest price on insurance in Jacksonville is your objective, learning how to get price quotes and compare coverages can make it simple to find affordable coverage.

Insurance quote for Kia Sedona in JacksonvilleIf saving the most money is your goal, then the best way to get affordable Kia Sedona insurance is to do a yearly price comparison from different companies that insure vehicles in Jacksonville.

A crucial key to this process is that you use the same coverage limits and deductibles on every quote and and to get price quotes from every company you can. Doing this guarantees the most accurate price comparison and a better comparison of the market.

Companies offering cheap Kia Sedona price quotes in Jacksonville, FL

The companies shown below are ready to provide comparison quotes in Jacksonville, FL. If multiple providers are shown, we suggest you visit several of them in order to find the most competitive rates.

Auto insurance statistics and figures

The information displayed next outlines different insurance rates for Kia Sedona models. Having a good grasp of how policy rates are calculated can help guide drivers when making decisions when shopping around.

Kia Sedona Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $276 $442 $334 $20 $100 $1,172 $98
Sedona LX $276 $538 $334 $20 $100 $1,268 $106
Sedona EX $312 $538 $334 $20 $100 $1,304 $109
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can affect premiums greatly.

Deductible comparison

One common question asked by Jacksonville drivers is where should you set your physical damage deductibles. The rates shown below determine how much more rates are when you buy lower versus higher deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

Kia Sedona insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $358 $532 $354 $20 $106 $1,395 $116
Sedona LX $358 $648 $354 $20 $106 $1,511 $126
Sedona EX $406 $648 $354 $20 $106 $1,559 $130
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Kia Sedona insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $262 $360 $354 $20 $106 $1,102 $92
Sedona LX $262 $438 $354 $20 $106 $1,180 $98
Sedona EX $296 $438 $354 $20 $106 $1,214 $101
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can revise rates significantly.

Based on this data, using a $100 deductible costs an average of $27 more each month or $324 every year than selecting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 15 months between claims, you would probably save some money if you opt for a higher deductible.

Does it make sense to buy full coverage?

The illustration below shows the comparison of Kia Sedona car insurance rates with and without full coverage. The data assumes no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no set guideline for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Kia Sedona claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.

These discounts can lower your auto insurance rates

Car insurance is not cheap, but you can get discounts that can help lower your rates. A few discounts will be applied when you complete an application, but a few must be specifically requested before they will apply.Cheaper auto insurance with discounts

You should keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

The example below visualizes the comparison of Kia Sedona annual premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.

A few popular companies and some of the discounts include:

When quoting, ask each company how you can save money. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of insurance companies with discount rates in Jacksonville, click this link.

Informed Consumers Know How to Buy Insurance at a Discount

It’s important that you understand some of the factors that aid in calculating the rates you pay for insurance. If you know what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are some of the most common factors used by your company to calculate premiums.

Independent versus exclusive insurance agents

Some consumers just prefer to buy from a licensed agent and that is a personal choice. One of the benefits of comparing insurance online is the fact that you can find the best rates but still work with a licensed agent.

Insurance agency in JacksonvilleFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to participating agents in Jacksonville that can provide free Jacksonville auto insurance quotes to get your business. You won’t even need to leave your house because prices are sent to the email address you provide. You can find lower rates and an insurance agent to talk to. If you wish to get a rate quote for a specific company, you would need to go to their quote page and complete a quote there.

Picking an insurance company requires more thought than just the price. Here are some questions to ask:

When looking for an insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Insurance agents in Jacksonville may be either exclusive or independent.

Exclusive Insurance Agents

These agents generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide other company’s prices so they really need to provide good service. Exclusive agents are well trained on sales techniques which aids in selling service over price. Consumers frequently choose to use a exclusive agent primarily because of the brand and solid financial strength.

Listed below are Jacksonville exclusive agents that are able to give price quotes.

View more Jacksonville agents

Independent Insurance Agents

These agents can sell policies from many different companies and that gives them the ability to insure amongst many companies and get you the best rates possible. To move your coverage to a new company, your agent can just switch to a different company which makes it simple for you. If you are trying to find cheaper rates, you will definitely want to contact at least one independent agent to maximize your price options. Most can insure with smaller regional carriers which can be an advantage.

The following are Jacksonville independent agencies willing to provide comparison quotes.

View more Jacksonville agents

A conclusion for your car insurance search

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

Consumers who switch companies do it for any number of reasons including policy non-renewal, lack of trust in their agent, extreme rates for teen drivers or delays in paying claims. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Budget-conscious Kia Sedona insurance is possible on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and many times these small, regional companies work with independent insurance agencies.

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