Insurance for Kia SedonaHow long has it been since you shopped around for cheaper Kia Sedona insurance in Aurora? Finding the cheapest insurance for your Kia Sedona in Colorado can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find insurance online and we'll show you the proper way to price shop coverage for a Kia and find the cheapest rates either online or from Aurora insurance agents.

If you have coverage now or need a new policy, use these cost-cutting techniques to find the best rates without having to cut coverage. Comparing quotes for the most affordable insurance coverage in Aurora can be fairly easy. Vehicle owners just need to learn the least time-consuming way to compare rates using one simple form.

Reducing your insurance rates is actually quite simple. The only requirement is to invest a few minutes getting comparison quotes from online providers.

The companies shown below are ready to provide price comparisons in Colorado. If multiple companies are shown, we recommend you compare several of them to get the most competitive price.

Kia Sedona Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $260 $462 $338 $20 $102 $1,182 $99
Sedona LX $162 $282 $304 $18 $92 $858 $72
Sedona EX $244 $424 $362 $22 $108 $1,160 $97
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in your specific Aurora location which can revise coverage prices noticeably.

Auto insurance rates by age and gender

The example below illustrates the comparison of Kia Sedona insurance prices for male and female drivers. The rates are based on no violations or claims, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

Where to set your deductibles

The hardest decision when buying coverage is how low should you set your deductibles. The following insurance rates can help you understand the price difference between high and low coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Kia Sedona insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $272 $376 $298 $18 $90 $1,079 $90
Sedona LX $272 $458 $298 $18 $90 $1,161 $97
Sedona EX $306 $458 $298 $18 $90 $1,195 $100
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Kia Sedona insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $220 $304 $298 $18 $90 $930 $78
Sedona LX $220 $368 $298 $18 $90 $994 $83
Sedona EX $250 $368 $298 $18 $90 $1,024 $85
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can alter prices considerably.

Based on this data, using a $250 deductible costs about $14 more each month or $168 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claim filings, you would save money if you choose a higher deductible.

Deductible comparison

The example below illustrates how your deductible choice and can increase or decrease Kia Sedona yearly insurance costs for different age groups. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Save money with these discounts

Insurance is easily one of your largest bills, but you may qualify for discounts that many consumers don't even know exist. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount.Insurance discounts

Please keep in mind that most of the big mark downs will not be given to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, insurance companies wouldn't stay in business. But any discount will definitely reduce your overall bill.

A list of companies and their possible discounts can be read below.

If you need cheaper Aurora car insurance quotes, ask each company the best way to save money. Discounts might not be available to policyholders in Aurora. To see a list of insurance companies that provide some of the discounts listed above in Aurora, click here.

Components of Your Kia Sedona Insurance Costs

Many factors are used when premium rates are determined. Some are pretty understandable such as your driving history, but some are not quite as obvious such as your marital status or your commute time.

Single drivers take more risk - Having a significant other may save some money compared to being single. Having a significant other means you're more mature and responsible and it's statistically proven that drivers who are married are more cautious.

Rates go up with performance - The performance level of the vehicle you need insurance for makes a big difference in your premium level. Since the Kia Sedona is considered a van and minivan, insuring your vehicle will cost similar in price as compared to the average rate in Aurora. Smaller low performance passenger cars usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

Drive less and pay lower prices - The more you drive every year the more you will pay for auto insurance. A lot of companies charge rates based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your policy properly reflects how each vehicle is driven. Having the wrong rating on your Sedona can result in significantly higher rates.

Your address can affect price - Being located in a small town is a positive aspect when trying to find low car insurance rates. Less people translates into fewer accidents in addition to fewer liability claims. Drivers who live in large Colorado cities have much more traffic and longer commutes to work. The longer drive time means a statistically higher chance of an accident.

Insurance losses for a Kia Sedona - Companies analyze past claim statistics to help calculate a profitable premium price. Vehicles that the data determines to have a trend towards higher claims will have increased rates. The next table illustrates the actual insurance loss data for Kia Sedona vehicles.

For each policy coverage type, the statistical loss for all vehicles compiled together equals 100. Values that are under 100 suggest a better than average loss history, while values that are above 100 point to more claims or tendency to have higher losses.

Kia Sedona Insurance Loss Statistics

Specific Kia 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 from IIHS.org for 2013-2015 Model Years

Can't I compare prices from local Aurora car insurance agents?

A lot of people just prefer to have an agent's advice and doing so can bring peace of mind Good insurance agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing rate quotes online is that drivers can save money and get the best rates but also keep your business local.

Find insurance agent in AuroraTo find an agent, once you fill out this quick form, your information is instantly submitted to agents in your area who will give you bids for your business. You never need to drive around as quotes are delivered directly to you. If for some reason you want to get a comparison quote from a specific auto insurance provider, feel free to search and find their rate quote page and complete a quote there.

Finding the right provider requires you to look at more than just the quoted price. These are some valid questions you should ask.

Types of car insurance agents in Aurora

If you are searching for a good Aurora insurance agent, it's important to understand the different types of agencies and how they operate. Auto insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Both can provide auto insurance policies, but it's good to learn the differences because it can factor into the selection process.

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with like Allstate, State Farm and Farm Bureau. They usually cannot place coverage with different providers so keep that in mind. These agents are well schooled on their products and sales techniques which can be an advantage. Some insured continue to choose to use a exclusive agent partially due to loyalty to the company and the convenience of having all coverages with one company.

Below is a short list of exclusive agencies in Aurora that are able to give price quote information.

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Independent Auto Insurance Agencies

Independent agents do not work for one specific company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If they find a lower price, they simply move the coverage in-house and you don't have to switch agencies. When searching for an agent, we recommend you get rate quotes from multiple independent agents in order to compare the most rates. Most also write with lesser-known insurance companies which may have better rates.

Shown below are independent insurance agents in Aurora who can help you get price quote information.

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But they said I'd save $452 a year!

Colorado drivers constantly see and hear ads that promise big savings from companies such as State Farm, GEICO and Progressive. They all convey the message that drivers can save some big amount if you get a free Aurora car insurance quote and switch to them.

How is it plausible that every one can offer you a better deal on Kia Sedona insurance in Aurora? This is how they do it.

All companies give the cheapest rates for the driver that will add to their bottom line. For instance, a desirable insured might be between 25 and 40, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" will get a cheap rate quote in Aurora and most likely will save money with a new company.

Insureds who don't meet those criteria will see higher premiums with the end result being the customer buying from someone else. The wording the ads use say "customers who switch" not "everyone who quotes" can get the lowest rates when switching. That's the way companies can truthfully make those statements. Each company has different criteria, so you really need to get as many free Aurora car insurance quotes as possible. Because you cannot predict which company will give you the biggest savings.

Cheap auto insurance is out there

Consumers change insurance companies for many reasons like policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers and even poor customer service. Whatever your reason, switching companies is not as hard as you think.

Cost effective Kia Sedona insurance can be purchased both online in addition to many Aurora insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies don't offer rates over the internet and usually these smaller companies prefer to sell through independent insurance agencies.

You just learned many ideas to compare Kia Sedona insurance premium rates in Aurora. The key concept to understand is the more providers you compare, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with some of the smallest insurance companies.

Additional auto insurance information can be read below: