Car Insurance Rate Quotes for a Kia Sedona in Orlando

Having to pay for overpriced Kia Sedona insurance in Orlando can drain your accounts and make it hard to pay other bills. Comparing rate quotes can be a smart way to make ends meet.

It’s a fact that insurance companies want to prevent you from shopping around. People who get price quotes annually are highly likely to buy a different policy because they stand a good chance of finding lower rate quotes. A survey found that people who routinely shopped around saved over $850 each year compared to policyholders who never compared rates.

If finding the lowest price on auto insurance in Orlando is why you’re here, then understanding how to quote and compare insurance premiums can help you be more efficient.

Insurance companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

It’s smart to quote other rates once or twice a year because rates are adjusted regularly by insurance companies. Just because you had the lowest rate on Kia Sedona insurance in Orlando on your last policy there may be better deals available now. Don’t believe everything you read about Sedona insurance online, but you can learn some solid techniques on how to find affordable auto insurance in Orlando.

If you are insured now, you will be able to get lower rates using this information. Buying the cheapest car insurance in Orlando is actually not that difficult if you follow our advice. But Florida drivers need to have an understanding of how insurance companies sell online because it can help you find the best coverage.

Informed Consumers Save More

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other factors are less apparent such as your credit history or how safe your car is.

Listed below are some of the items used by insurance companies to determine premiums.

Gender matters – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into auto accidents at a similar rate, but males cause more damage. Not only that, but men also have more aggressive citations such as reckless driving.

The illustration below shows the difference between Kia Sedona insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Lower rates with a multi-policy discount – Most car insurance companies allow lower prices to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to check prices from other companies to make sure you are getting the best deal. Drivers may still save money by buying insurance from more than one company.

Advanced GPS tracking and theft deterrents – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.

High performance vehicles cost more to insure – The performance level of the car you are insuring makes a substantial difference in how high your rates are. Smaller low performance passenger models normally have pretty low rates, but your final cost has many other factors.

The following chart is based on a single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Kia Sedona rates compared to other vehicles that have a range of performance risks.

Reduce car insurance rates by staying claim free – Insurance companies in Florida give discounts to policyholders who only file infrequent claims. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended for claims that you cannot pay yourself.

Avoid unnecessary extra policy coverages – There are a ton of extra add-on coverages that sound like a good idea at the time on your car insurance policy. Insurance for things like replacement cost coverage, accidental death, and motor club memberships are some examples. The coverages may be enticing when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.

Save by driving safer cars – Vehicles with high crash test scores cost less to insure. Safer cars protect occupants better and reduced instances of injuries means less claims paid and cheaper rates on your policy. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Insurance loss probability for a Kia Sedona – Insurers include the past claim trends for vehicles as a tool for profitable underwriting. Vehicles that historically have higher claim frequency or loss amount will cost more for coverage.

The next table shows the compiled insurance loss statistics for Kia Sedona vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is set at 100. Percentages below 100 are indicative of better than average losses, while values that are above 100 point to more losses or an increased chance of a larger loss.

Compare Orlando Kia Sedona insurance price quotes

When shopping for affordable Orlando auto insurance quotes, there are a couple of ways to obtain and compare prices from different companies. The easiest way to find cheaper Kia Sedona rates is to use the internet to compare rates.

Comparing price quotes online is fast and free, and it makes it obsolete to waste gas driving to and from local Orlando insurance agencies. The ability to quote Kia Sedona insurance online eliminates the middleman unless you prefer the trained advice that can only be provided by a licensed insurance agent. Drivers can price shop online and have a local agent actually service the policy.

It’s important to know that comparing a large number of companies will improve the odds of getting more affordable insurance. Not every company provides Orlando Sedona insurance quotes online, so you also need to get price quotes from the smaller companies as well.

The companies in the list below have been selected to offer price comparisons in Orlando, FL. If your goal is to find the cheapest auto insurance in Orlando, FL, it’s highly recommended you visit as many as you can to get the most competitive price.

Premium rates and analysis

The rate table shown below outlines different insurance premium costs for Kia Sedona models. Being able to understand how rates are figured can be valuable when making smart choices when buying a car insurance policy.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in Orlando location which can affect prices considerably.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is which comprehensive and collision deductibles to buy. The rates shown below may help to illustrate the differences in price when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence rates considerably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $27 more each month or $324 every year than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at least 15 months between claims, you would probably be better off if you opt for a higher deductible. Here’s an example of how you can perform this determination yourself.

One thing to be aware of is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a claim. You will want to have some available funds in the event you have to pay the higher deductible.

Insuring your Sedona just makes sense

Even though Orlando Sedona insurance rates can get expensive, buying insurance may not be optional for several reasons.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Kia, almost all lenders will require you to have full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Kia at a much higher rate and require you to reimburse them for the much more expensive policy.
• Insurance protects both your Kia Sedona and your assets. Insurance will pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your Sedona more than cancel out the cost, especially when you need to use it. Despite what companies tell you, the average driver is currently overpaying as much as $830 a year so compare rate quotes each time the policy renews to ensure rates are competitive.

Save money by applying discounts

Auto insurance companies do not list every discount available in a way that’s easy to find, so the next list breaks down some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Orlando auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• Discount for New Cars – Putting insurance on a new Sedona can save up to 30% since new vehicles are generally safer.
• Good Student Discount – Performing well in school can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Paper-free Discount – Many insurance companies will provide an incentive get Orlando auto insurance over the internet.
• Telematics Data Discounts – Insureds that choose to allow their insurance company to spy on where and when they drive by using a telematic data system such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
• Cautious Driver Discount – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
• Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save up to 5%.

It’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way.

The example below visualizes the comparison of Kia Sedona insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

Companies and some of their more popular discounts are included below.

• State Farm may have discounts that include multiple policy, safe vehicle, driver’s education, accident-free, good driver, student away at school, and multiple autos.
• Farmers Insurance may offer discounts for good student, switch companies, bundle discounts, distant student, teen driver, and mature driver.
• Progressive discounts include continuous coverage, multi-vehicle, multi-policy, good student, and online quote discount.
• GEICO includes discounts for defensive driver, five-year accident-free, seat belt use, multi-policy, multi-vehicle, air bags, and military active duty.
• Auto-Owners Insurance offers discounts for mature driver, anti-lock brakes, anti-theft, good student, group or association, and company car.
• The Hartford offers discounts including anti-theft, vehicle fuel type, air bag, defensive driver, and good student.
• Farm Bureau may include discounts for good student, renewal discount, safe driver, multi-policy, and 55 and retired.
• USAA offers premium reductions for annual mileage, military installation, loyalty savings, safe driver, driver training, new vehicle, and multi-policy.

When comparing rates, check with all the companies which discounts you may be entitled to. Some discounts might not be offered in Orlando. For a list of insurance companies with discount auto insurance rates in Florida, click here to view.

Neighborhood Orlando auto insurance agents

Certain consumers still like to talk to an insurance agent and there is nothing wrong with that. One of the great benefits of comparing rate quotes online is that you can obtain cheaper premium rates and still buy from a local agent. Buying from neighborhood agents is especially important in Orlando.

Once you complete this form (opens in new window), your insurance coverage information is sent to participating agents in Orlando that can provide free Orlando auto insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go immediately to your email address. Get lower rates without requiring a lot of work. If for some reason you want to get a rate quote for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Multiple types of car insurance agents in Orlando

If you prefer to buy auto insurance from a reliable insurance agent, it’s helpful to know the different agency structures and how they can write your policy. Orlando agents can be described as either exclusive agents or independent agents.

Independent Auto Insurance Agents

These agents do not write with just one company so they can insure your vehicles with lots of companies and get the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

If you need lower rates, you will want to check rates from at least one independent agent so that you can do a thorough price comparison.

Featured below is a list of independent agents in Orlando that can give you price quote information.

View more Orlando agents

Exclusive Agencies

Exclusive insurance agents have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are usually well trained on what they offer which aids in selling service over price.

Shown below is a list of exclusive insurance agents in Orlando who can help you get rate quotes.

View more Orlando agents

Picking the best insurance agency requires you to look at more than just the quoted price. The answers to these questions are important, too.

• Does the quote include credit and driving reports?
• What are their preferred companies if they are an independent agency?
• Does the agent help file claims?
• What company do they have the most business with?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do they have cheaper tiers of coverage?
• Is there a 24/7 contact number?

Insurance agents can help

Always keep in mind that when comparing insurance from an agent or online, there really isn’t a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• Will my Kia Sedona be repaired with OEM or aftermarket parts?
• If my Kia Sedona is totaled, can I afford another vehicle?
• What states are considered no-fault?
• Do I have newly-acquired coverage?
• Am I covered when using my vehicle for business?
• Am I missing any policy discounts?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

You can lower your auto insurance rates

You just learned quite a bit of information on how to lower your Kia Sedona insurance car insurance rates in Orlando. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small mutual company.

As you shop your coverage around, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

Drivers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, not issuing a premium refund or delays in paying claims. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

How to find low-cost Kia Sedona insurance in Orlando

It takes a few minutes, but the best way to find cheaper Kia Sedona insurance in Orlando is to start comparing rates regularly from providers in Florida. Prices can be compared by completing these steps.

1. Take a few minutes and learn about what is in your policy and the steps you can take to keep rates in check. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and a negative credit history can be amended by improving your driving habits or financial responsibility.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple insurance companies. Click to view companies
3. Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and switch companies, make sure there is no lapse in coverage.
4. Provide written notification to your current company of your decision to cancel your current coverage and submit the completed application along with a down payment for the new policy. When you receive it, keep the new certificate verifying proof of insurance in your glove compartment.

An important note is to try to compare identical coverage information on every quote and and to get rates from as many companies as you can. This ensures a fair price comparison and many rates to choose from.

Additional learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Who Has Affordable Auto Insurance Rates for a Honda Accord in Orlando? (FAQ)
• Who Has Cheap Auto Insurance for Good Drivers in Orlando? (FAQ)
• Who Has Affordable Auto Insurance for a Toyota Tacoma in Orlando? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Dodge Grand Caravan in Orlando? (FAQ)
• Who Has Cheap Car Insurance Rates for a GMC Sierra in Orlando? (FAQ)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• What is Covered by GAP Insurance? (Allstate)