Save Money on Kia Sedona Insurance in Arlington

Discount Kia Sedona insuranceWould you like to save money by finding low-cost Kia Sedona insurance in Arlington? Feel like you’re a prisoner to an expensive car insurance policy? Believe me, many Arlington consumers are in the same pinch.

It goes without saying that auto insurance companies don’t want their customers to go rate shopping. People who shop around for cheaper price quotes will probably buy a different policy because they stand a good chance of finding a more affordable policy. A recent survey revealed that people who make a habit of shopping around saved an average of $860 a year compared to other drivers who never compared other company’s rates.

If saving the most money on auto insurance in Arlington is the reason you’re here, then knowing how to find companies and compare insurance can make it easier to find better rates. Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

If you have a current insurance policy or just want cheaper rates, you can use these tips to save money and still get good coverage. Locating the most cost-effective insurance policy in Arlington is much easier if you know where to start. You just need to use the most efficient way to get comparison quotes from many different companies.

The best way we recommend to compare car insurance rates for Kia Sedona insurance in Arlington is to know the trick almost all companies participate in a system to provide you with free rate quotes. To begin a comparison, all you need to do is provide a little information like driver ages, distance driven, if you have an active license, and whether you are married. Your rating data is then sent to many of the top insurers and they return rate quotes quickly.

To check car insurance prices now, click here and enter your zip code.

The providers in the list below are ready to provide price quotes in Texas. If multiple companies are listed, we recommend you click on several of them in order to find the most competitive rates.

Kia Sedona detailed coverage information

The information shown next showcases detailed analysis of insurance policy prices for Kia Sedona models. Learning as much as possible about how policy rates are formulated can be of help when making smart choices when selecting a policy.

Kia Sedona Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $322 $560 $392 $24 $118 $1,416 $118
Sedona LX $322 $682 $392 $24 $118 $1,538 $128
Sedona EX $362 $682 $392 $24 $118 $1,578 $132
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in Arlington location which can affect premium rates noticeably.

Policy deductible comparison

The hardest decision when buying coverage is how high should your deductibles be. The following insurance rates illustrate the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Kia Sedona insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $328 $486 $324 $20 $96 $1,279 $107
Sedona LX $328 $592 $324 $20 $96 $1,385 $115
Sedona EX $370 $592 $324 $20 $96 $1,427 $119
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Kia Sedona insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $182 $256 $324 $20 $96 $878 $73
Sedona LX $182 $312 $324 $20 $96 $934 $78
Sedona EX $206 $312 $324 $20 $96 $958 $80
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific location which can alter premium rates considerably.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $37 more each month or $444 for a full year across all Kia Sedona models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claims, you would save more money by selecting a higher deductible. Here is a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): – $77
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important note is that raising deductibles means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You need to have access to more funds in order to pay the deductible to have repairs made.

The example below shows how choosing a deductible and can raise or lower Kia Sedona insurance rates for different age groups of insureds. The information is based on a single female driver, comp and collision included, and no discounts are factored in.

Full coverage versus liability only rates

The information below compares Kia Sedona auto insurance rates with and without physical damage coverage. The premiums assume no violations or accidents, $500 deductibles, single status, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no set guideline to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Kia Sedona replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the deductible is paid. If premium cost is more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

There’s no such thing as the perfect car insurance policy

When quoting and choosing insurance from an agent or online for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.Drive safe and save

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Shop online but buy locally

A lot of people prefer to get advice from a local agent and doing that can be a smart decision Professional insurance agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting free rate quotes online is that you can find the lowest rates and still choose a local agent. Buying from local agents is important especially in Arlington.

After completing this simple form, the quote information gets sent to local insurance agents that give free quotes for your car insurance coverage. You don’t have to drive around since price quotes are sent directly to you. In the event you want to get a price quote from a specific car insurance provider, you just need to find their quoting web page to submit a rate quote request.

Below are Arlington car insurance companies who can help you get price quotes for Kia Sedona insurance in Arlington.

700 Highlander Blvd #350Arlington, TX 76015(817) 275-2626View Map

5800 S Collins St #124Arlington, TX 76018(817) 609-8051View Map

1900 E Abram StArlington, TX 76010(817) 635-0375View Map

820 E Park Row DrArlington, TX 76010(817) 461-2907View Map

More insurance agents

Selecting an company should depend on more than just a cheap price quote. The questions below may impact your decision as well.