Compare Kia Sedona Insurance Rates in Riverside

It’s shocking but a large majority of insurance policyholders have remained with the same insurance company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. Riverside drivers can save approximately 35% each year just by getting comparison quotes, but they don’t know how much they could save if they switched to a cheaper policy.

Insurance quote for Kia Sedona in RiversideThe best way to get cheaper auto insurance rates is to start comparing rates regularly from insurers in Riverside. Rates can be compared by following these guidelines.

A good piece of advice is that you use similar limits and deductibles on every quote request and to quote with as many different insurance providers as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.

Locating the best insurance company for you in Riverside can be much easier if you know how to start. If you are insured now, you will definitely be able to find better prices using these techniques. Comparison shoppers just have to know the proper methods to get comparison rates from many different companies.

The quickest method we recommend to get rate comparisons for Kia Sedona insurance in Riverside is to take advantage of the fact all the major auto insurance companies will pay a fee to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details including how much you drive, whether your vehicle is owned or leased, how much school you completed, and level of coverage desired. The data is then submitted to insurance companies and they provide comparison quotes within a short period of time.

To get price quotes for your Kia Sedona now, click here and complete the quick form.

The companies shown below are ready to provide comparison quotes in Riverside, CA. If more than one company is shown, it’s highly recommended you visit as many as you can in order to find the most competitive rates.

Car insurance data for a Kia Sedona

The table below outlines a range of insurance costs for Kia Sedona models. Learning more about how auto insurance premiums are established is important for you to make decisions on which coverage to buy.

Kia Sedona Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $206 $342 $454 $26 $136 $1,164 $97
Sedona LX $206 $416 $454 $26 $136 $1,238 $103
Sedona EX $234 $416 $454 $26 $136 $1,266 $106
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific Riverside garaging location which can lower or raise coverage prices significantly.

The diagram below demonstrates how choosing different deductibles and can affect Kia Sedona insurance rates for each different age category. The costs are based on a single male driver, full coverage, and no additional discounts are factored in.

Car insurance prices based on gender

The example below shows the difference between Kia Sedona yearly insurance costs for male and female drivers. The data assumes no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.

Do you need full coverage?

The chart below visualizes the comparison of Kia Sedona insurance rates with full coverage compared to only the California minimum liability coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no clear-cut formula to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Kia Sedona claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your deductible. If premium cost is more than $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Car insurance does more than just protect your car

Despite the high insurance cost for a Kia Sedona in Riverside, insurance may be required and benefits you in several ways.

The benefits of having car insurance are definitely more than the cost, especially with large liability claims. On average, a vehicle owner in Riverside is overpaying more than $855 a year so compare rates once a year at a minimum to make sure the price is not too high.

Quote Kia Sedona Insurance Cheaper

Lots of factors are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other criteria are less apparent like your vehicle usage or how financially stable you are.

Shown below are a few of the things used by insurance companies to determine prices.

Cheap insurance rates are possible

We covered some good ideas how to reduce Kia Sedona insurance premium rates online in Riverside. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with a small mutual company. Smaller companies may often insure only within specific states and give better rates compared to the large companies like Allstate and Progressive.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to regret they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

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