Best Rates for Kia Sedona Insurance in Atlanta

Trying to find low-cost Kia Sedona insurance in Atlanta? Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of Atlanta residents who feel the same.

It’s hard to fathom, but most car insurance customers kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Georgia consumers could save approximately 60% a year by just shopping around, but they don’t believe the actual amount they would save if they switched to a more affordable policy. Because you have many different company options, it is hard for the average consumer to find the lowest price insurance company.

You should make it a habit to do price comparisons every six months because insurance prices are variable and change quite frequently. Just because you found the lowest rates on Kia Sedona insurance in Atlanta last year you may be paying too much now. Block out anything you think you know about car insurance because you’re about to find out the best methods to get good coverage on Kia Sedona insurance in Atlanta at a lower rate.

How Your Sedona Insurance Prices are Determined

Many factors are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are not quite as obvious such as your credit history or your financial responsibility. When buying insurance it’s important to understand some of the elements that play a part in calculating insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in better insurance rates.

• Avoid coverage lapses – Having a lapse in insurance coverage is a guaranteed way to pay more for insurance. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines or a revoked license.
• High performance equals high costs – The performance level of the vehicle you are insuring makes a significant difference in how high your rates are. The lowest premiums are generally reserved for low performance passenger cars, but there are many factors that impact the final cost. Due to the fact that the Kia Sedona is a van and minivan, insurance will be similar in price as compared to the average rate in Atlanta.
• Safer cars save money – Vehicles with good safety scores cost less to insure. Safer cars reduce injuries and better occupant protection means less claims paid and thus lower rates.
• Save miles and save money – Driving a lot of miles in a year the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can be on a lower rate level than vehicles that have high annual mileage. Double check that your vehicle rating states annual mileage. Incorrect rating for your Sedona is throwing money out the window.
• Lower rates come with age – Teenage drivers in Georgia are statistically proven to be more careless behind the wheel so they pay higher insurance rates. Having to add a teen driver onto your insurance will cause a huge premium hike. Older drivers tend to be more responsible, statistically cause fewer accidents, and usually have better credit.
• Insurance losses for a Kia Sedona – Insurance companies analyze historical claim data in order to profitably underwrite each model. Models that statistically have higher number or severity of losses will have a higher premium rate. The data below shows the insurance loss data used by companies for Kia Sedona vehicles.

  For each coverage category, the loss probability for all vehicles, as a total average, is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 point to more losses or an increased likelihood of larger losses.

  Kia Sedona Insurance Claim Statistics

  Vehicle 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
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The fastest way that we advise to compare rate quotes for Kia Sedona insurance in Atlanta takes advantage of the fact most insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give them rating details like your job, coverage limits, if you are currently licensed, and any included safety features. That rating information gets sent immediately to multiple top-rated companies and they provide comparison quotes within a short period of time.

If you would like to compare rates now, click here and complete the quick form.

The companies in the list below are ready to provide price quotes in Atlanta, GA. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific location which can affect coverage prices noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below illustrate the differences in price between low and high deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates considerably.

We can estimate from the data above that using a $100 deductible will cost you about $25 more each month or $300 for a full year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claims, you would probably come out ahead if you opt for a higher deductible. The table below illustrates how this decision is made.

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you file a claim. You need to have a higher level of savings in the event you have to pay more for the deductible.

Safe drivers pay less for car insurance

The illustration below highlights how speeding tickets and at-fault claims can drive up Kia Sedona auto insurance costs for each different age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

An analysis of deductible level

The information below shows how choosing a deductible and can increase or decrease Kia Sedona yearly insurance costs for each age group. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.

Why you need to buy car insurance

Despite the fact that car insurance is not cheap in Atlanta, insuring your vehicle is most likely required but also gives you several important benefits.

• The majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability if you want to drive legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Kia has a lien holder, almost all lenders will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Kia at a much higher premium rate and require you to reimburse them much more than you were paying before.
• Insurance safeguards both your vehicle and your personal assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance are definitely more than the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $810 a year so compare rates at least once a year to ensure rates are competitive.

Affordable Atlanta auto insurance quotes with discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

• Multi-policy Discount – When you have multiple policies and place coverage with the same company you may save up to 20% off your total Sedona insurance premium.
• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
• Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education in school.
• Military Discounts – Being deployed with a military unit could qualify you for better premium rates.
• Telematics Data – People who choose to allow their auto insurance company to monitor their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they are good drivers.
• No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison to drivers with a long claim history.
• Own a Home – Owning a home in Atlanta can save you money because maintaining a house is proof that your finances are in order.

It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Car insurance companies that may offer some of the above discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

If you need lower rates, check with each company or agent which discounts you may be entitled to. A few discounts might not apply in your state. If you would like to see a list of insurers with the best Kia Sedona insurance discounts in Georgia, click here to view.

Are insurance agencies of importance?

Some consumers just want to talk to a local agent and doing that can be a smart decision Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Atlanta who will return price quotes and help you find cheaper coverage. You don’t have to leave your house as quotes are delivered immediately to your email address. In the event you want to get a comparison quote from one company in particular, just navigate to their website and fill out their quote form.

Picking the best provider shouldn’t rely on just the premium amount. Before buying a policy in Atlanta, get answers to these questions.

• What insurance companies do they recommend if they are an independent agent?
• Do they have designations such as AIC, CPCU, or CIC?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Can they give you a list of client referrals?
• By raising physical damage deductibles, how much would you save?

If you are wanting to find a reputable agency, you must know there are a couple different agency structures and how they operate. Auto insurance agents can either be independent agents or exclusive agents depending on their employer. Either one can write policy coverage, but we need to point out the difference in how they write coverage because it can factor into the type of agent you choose.

Exclusive Agencies

Exclusive agencies generally can only insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Below are exclusive agents in Atlanta who can help you get price quote information.

View more Atlanta agents

Independent Auto Insurance Agents

Agents of this type can quote rates with many companies and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, we recommend you include price quotes from independent agents to get the best comparison.

The following is a short list of independent insurance agents in Atlanta that can give you price quotes.

View more Atlanta agents

Cheaper insurance premiums are out there

In this article, we covered a lot of information how to shop for Kia Sedona insurance online. 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. You may even be surprised to find that the best premium rates are with a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut full coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Additional insurance information is located at the links below

• Where can I buy Insurance? (Insurance Information Institute)
• What Auto Insurance is Cheapest for Low Credit Scores in Atlanta? (FAQ)
• What Insurance is Cheapest for 4×4 Vehicles in Atlanta? (FAQ)
• Who Has Affordable Car Insurance for Active Military in Atlanta? (FAQ)
• What is Gap Insurance? (Insurance Information Institute)
• Safe Vehicles for Teens (iihs.org)
• Understanding Limits and Deductibles (Allstate)