Auto Insurance Quotes for a Kia Sedona in Toledo

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Insurance rates Kia Sedona in ToledoHow many years has it been since you compared low-cost car insurance rates in Toledo, OH? Toledo consumers have many options when looking for affordable Kia Sedona insurance. You can either waste hours calling around trying to get quotes or utilize the internet to get rate quotes.

There are more efficient ways to find car insurance online so you're going to learn the proper way to quote coverages for a Kia and obtain the cheapest rates from both online companies and Toledo agents.

A recent survey discovered that a large majority of car insurance policyholders in Ohio have remained with the same car insurance company for more than four years, and just short of a majority have never compared quotes from other companies. Drivers in the U.S. could save as much as $860 each year, but they just don't understand the large savings they would see if they replace their high priced policy.

Our goal in writing this article instruct you on how car insurance works and also save some money in the process If you have insurance now, you stand a good chance to be able to shop for the lowest rates using the following tips. Smart buyers only need an understanding of the least time-consuming way to compare rates instantly.

Getting low cost Kia Sedona insurance pricing can be surprisingly simple. The only thing you need to do is spend a few minutes comparing free Toledo auto insurance quotes provided by online insurance companies.

The companies in the list below provide price comparisons in Ohio. If multiple companies are listed, we suggest you visit two to three different companies to get the lowest price.

Kia Sedona insurance charts and tables

The price information displayed below covers estimates of coverage prices for Kia Sedona models. Having insight into how insurance prices are established is important for you to make informed decisions when shopping around for a new policy.

Kia Sedona Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $84 $130 $186 $10 $56 $466 $39
Sedona LX $84 $158 $186 $10 $56 $494 $41
Sedona EX $96 $158 $186 $10 $56 $506 $42
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can increase or decrease auto insurance rates substantially.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The rates shown below highlight the cost difference when you select higher and lower policy deductibles. The first data table uses a $100 deductible and the second data table uses a $1,000 deductible.

Kia Sedona insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $196 $290 $192 $12 $58 $773 $64
Sedona LX $196 $352 $192 $12 $58 $835 $70
Sedona EX $220 $352 $192 $12 $58 $859 $72
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Kia Sedona insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $108 $152 $192 $12 $58 $522 $44
Sedona LX $108 $186 $192 $12 $58 $556 $46
Sedona EX $122 $186 $192 $12 $58 $570 $48
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can affect price quotes noticeably.

Based on the above data, using a $100 deductible costs roughly $23 more each month or $276 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 39 months between claims, you would come out ahead by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $69
Average monthly premium for $1,000 deductibles (subtract): - $46
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

One thing to note is that a higher deductible means you will have to pay more out-of-pocket when you have a physical damage claim. You will want to have access to more funds in the event you need to pay the deductible.

Safe drivers pay cheaper rates

The example below shows how speeding tickets and at-fault collisions can drive up Kia Sedona insurance prices for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The information below illustrates the comparison of Kia Sedona insurance prices when comparing full coverage to state minimum liability only. The premiums are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied.

When to stop paying for full coverage

There is no clear-cut formula for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Kia Sedona replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after paying your policy deductible. If it's costing you more than $300 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Discounts can help lower premiums on Kia Sedona insurance in Toledo

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Some of these discounts will be visible at quote time, but once in a while a discount must be requested specifically before they will apply.Save money with discounts

  • Paperless Signup - Some companies give back up to $50 for signing up on the internet.
  • College Student - Any of your kids who are enrolled in higher education away from home and won't have access to an insured vehicle can receive lower rates.
  • Senior Discount - Drivers over the age of 55 may be able to get a small decrease in premiums.
  • Government Employee Discount - Employees or retirees of the government could qualify for a slight premium decrease with some auto insurance companies.
  • Safe Driver Discounts - Drivers who don't get into accidents could pay up to 40% less than drivers with accident claims.
  • Good Student Discount - A discount for being a good student may save as much as 25% on a Toledo auto insurance quote. This discount can apply up until you turn 25.

It's important to understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

The diagram below compares Kia Sedona car insurance rates with and without discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

A few popular companies and the discounts they provide are shown below.

  • Farm Bureau may offer discounts for renewal discount, driver training, safe driver, multi-vehicle, good student, 55 and retired, and multi-policy.
  • Liberty Mutual offers discounts including hybrid vehicle, multi-policy, newly married, teen driver discount, safety features, new vehicle discount, and newly retired.
  • State Farm offers premium reductions for defensive driving training, good driver, multiple policy, anti-theft, and multiple autos.
  • Auto-Owners Insurance has discounts for good student, company car, safe driver, multiple vehicles, teen driver, and anti-lock brakes.
  • GEICO discounts include anti-lock brakes, federal employee, driver training, air bags, and membership and employees.
  • SAFECO includes discounts for anti-theft, homeowner, multi-car, teen safe driver, anti-lock brakes, accident prevention training, and teen safety rewards.

Before buying, ask every prospective company what discounts are available to you. Some discounts listed above may not apply to policies in Toledo. To see insurance companies offering auto insurance discounts in Ohio, click this link.

Buying the right Kia vehicle insurance in Ohio is an important decision

Despite the high cost of buying insurance for a Kia Sedona in Toledo, buying car insurance may be mandatory for several reasons.

First, the majority of states have minimum liability requirements which means you are required to carry specific limits of liability in order to drive the car. In Ohio 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.

Second, if you have a loan on your Kia Sedona, it's guaranteed your bank will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Kia at a much higher premium rate and require you to pay for the expensive policy.

Third, car insurance protects both your car and your personal assets. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is currently overpaying as much as $820 a year so it's important to compare rates each time the policy renews to save money.

How to know if you need help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different.Higher deductibles save money

Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is covered by UM/UIM coverage?
  • What is the premium to book value ratio for dropping full coverage?
  • What discounts do I qualify for?
  • What policy terms are available?
  • Do I have any recourse if my insurance company denies a claim?
  • Does coverage extend to Mexico or Canada?
  • When does my teenage driver need to be added to my policy?
  • Is upholstery damage covered by car insurance?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and may give you better protection.

Do I need an agent?

Certain consumers still like to get advice from a local agent and that is OK! Insurance agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing rates online is the fact that drivers can get cheap rate quotes and still buy from a local agent. And supporting local insurance agencies is especially important in Toledo.

Once you complete this simple form, your insurance coverage information is sent to insurance agents in Toledo that give free quotes for your auto insurance coverage. There is no need to even leave your home because prices are sent to the email address you provide. If you wish to compare rates for a specific company, don't hesitate to find their quoting web page and fill out their quote form.

If you want to use a reliable insurance agent, it can be helpful to understand the types of insurance agents and how they work. Agents in Toledo are categorized either independent (non-exclusive) or exclusive. Either one can provide auto insurance policies, but it's worth learning the difference between them since it can impact buying decisions.

Independent Agents (or Brokers)

Agents that choose to be independent are not locked into one company and that gives them the ability to insure with many different companies and get you the best rates possible. If your agent finds better pricing, an independent agent can move your coverage and you don't have to find a new agent.

When comparing rates, you will definitely want to get rate quotes from at least one independent agent to have the most options to choose from. Many can place coverage with smaller companies that may have much lower rates than larger companies.

Featured below are independent agencies in Toledo that may be able to provide free price quotes.

View more Toledo agents

Exclusive Agencies

Agents in the exclusive channel can usually just insure with one company like Allstate, State Farm and Farmers Insurance. They are unable to compare other company's rates so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. Drivers often choose to use an exclusive agent mostly because of the brand and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agents in Toledo that can give you comparison quotes.

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Picking the best auto insurance agent shouldn't rely on just the price. Here are some questions you might want to ask.

  • Do they have designations such as AIC, CPCU, or CIC?
  • Is their price quote a firm figure or are their hidden costs?
  • Are aftermarket or OEM parts used to repair vehicles?
  • If they are an independent agency in Toledo, which companies do they recommend?
  • What company holds the largest book of business for them?
  • Do they specialize in personal lines auto insurance in Toledo?
  • Can they provide you with a list of referrals?

If you get good answers to any questions you have and locked in a price quote, it's possible that you found a car insurance agent that will properly service your auto insurance policy.