How to Save on Kia Sedona Insurance in Miami

Insurance for Kia SedonaIt’s shocking but most auto insurance customers have bought auto insurance from the same company for a minimum of four years, and nearly half have never even compared rates from other companies. Miami drivers can cut their rates by about $1,126 a year by just shopping around, but they don’t believe how much savings they would realize if they bought a different policy.

To save the most money, the best way to get the cheapest auto insurance rates is to regularly compare price quotes from companies who sell insurance in Miami. Drivers can shop around by following these guidelines.

  1. Take a little time to learn about how car insurance works and the factors you can control to prevent expensive coverage. Many factors that increase rates like at-fault accidents, speeding tickets, and a bad credit rating can be eliminated by making small lifestyle or driving habit changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple sources.
  3. Compare the new rates to your existing coverage to see if cheaper Sedona coverage is available in Miami. If you can save money, make sure coverage does not lapse between policies.

A good tip to remember is to try to use identical coverage information on each price quote and and to get rate quotes from as many auto insurance providers as possible. This guarantees a fair price comparison and a thorough price selection.

All major insurance companies such as Allstate, GEICO and Progressive make it easy to get coverage price quotes on the web. Getting Kia Sedona insurance prices online is quite easy as you just enter the coverage amounts you desire as detailed in the form. When complete, the system orders your driving record and credit report and provides a quote based on many factors. This simplifies rate comparisons, and it’s absolutely necessary to do this if you want to find the lowest payment.

To quickly use this form to compare rates, compare rates now from the companies shown below. If you have coverage now, it’s recommended you input deductibles and limits as shown on your current policy. Doing this assures you will be getting a fair comparison based on identical coverages.

The companies shown below can provide free quotes in Florida. To buy cheaper car insurance in FL, we recommend you compare several of them in order to get a fair rate comparison.

Rates and other information

The price information displayed next outlines detailed analysis of insurance costs for Kia Sedona models. Having a better idea how insurance prices are established can assist in making smart policy decisions.

Kia Sedona Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $410 $532 $464 $28 $140 $1,574 $131
Sedona LX $410 $648 $464 $28 $140 $1,690 $141
Sedona EX $462 $648 $464 $28 $140 $1,742 $145
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can influence rates noticeably.

Choosing deductibles

A question often asked by Miami drivers is how high should the physical damage deductibles be. The following insurance rates help summarize the differences in price of buying low and high deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Kia Sedona insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $322 $446 $354 $20 $106 $1,273 $106
Sedona LX $322 $544 $354 $20 $106 $1,371 $114
Sedona EX $364 $544 $354 $20 $106 $1,413 $118
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Kia Sedona insurance premium estimates 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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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in garaging location in Miami which can modify premium rates significantly.

We can estimate from the data above that using a $250 deductible costs approximately $16 more each month or $192 each year averaged for all Sedona models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 16 months between claim filings, you would more than likely save some money by selecting a higher deductible. The table below illustrates a better example of how we made this calculation.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): – $97
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The chart below demonstrates how deductible levels and can change Kia Sedona premium costs for different ages of insureds. The data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.

Protect more than your Kia Sedona

Even though it can be expensive, insuring your vehicle serves several important purposes.

The benefits of insuring your Sedona more than offset the price you pay, especially if you ever need it. According to a recent study, the average American driver overpays more than $830 a year so compare rate quotes every year to ensure rates are inline.

Auto insurance coverages

Knowing the specifics of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Kia Sedona.

Since a lot of drivers only purchase the least amount of liability that is required (10/20/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liability limits.

Coverage for collisions

This pays for damage to your Sedona caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, crashing into a building, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible on your Sedona to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, ambulance fees, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 10/20/10 that means you have a limit of $10,000 per injured person, a limit of $20,000 in injury protection per accident, and $10,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, medical expenses, loss of income, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing better liability coverage.

The next chart demonstrates why minimum state limits may not provide you with enough coverage.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, falling objects and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

What is the best car insurance company in Miami?

Choosing a good quality car insurance company is hard considering how many companies are available to choose from in Miami. The company information shown next may help you select which auto insurers you want to consider shopping your coverage with.

Top 10 Miami Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance