Insurance quote for Kia Sedona in Colorado SpringsPaying for pricey Kia Sedona insurance in Colorado Springs can bleed your personal savings and make it hard to pay other bills. Doing a rate comparison is a great way to lower your bills every month.

Inconceivable but true, over 70% of consumers have been with the same company for at least the last four years, and almost 40% of drivers have never even compared rates from other companies. Colorado consumers could cut their rates by roughly 35% a year just by comparing rates, but they won't spend time to compare rates online.

Lots of auto insurance companies contend to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate possible on Kia Sedona insurance in Colorado Springs.

It's a great practice to get comparison quotes quite often because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate on Kia Sedona insurance in Colorado Springs a few years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you're going to get a crash course in one of the quickest ways to find lower rates on auto insurance.

Companies offering Kia Sedona insurance in Colorado

The following companies are ready to provide free quotes in Colorado. If the list has multiple companies, we suggest you visit as many as you can to find the cheapest car insurance rates.

Kia Sedona Insurance Costs in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $236 $382 $286 $16 $86 $1,006 $84
Sedona LX $190 $380 $338 $20 $102 $1,030 $86
Sedona EX $240 $416 $388 $22 $116 $1,182 $99
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location information which can revise insurance rates substantially.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The premium rates below can help you understand the rate difference when you select higher and lower policy deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Kia Sedona insurance prices 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 prices 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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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can alter premiums substantially.

Using the data above, we can ascertain that using a $250 deductible costs about $14 more each month or $168 a year than buying the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 18 months between claim filings, you would probably save some money if you choose a higher deductible. Here's how you can make your own decision.

Average monthly premium for $250 deductibles: $96
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that raising deductibles to save money means you will have to pay more of your own money at claim time. That will require some extra savings in the event you have to pay more for the deductible.

Irresponsible driving raises your rates

The information below illustrates how speeding tickets and at-fault collisions can affect Kia Sedona auto insurance rates for different age groups of insureds. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Informed Consumers Can Lower Their Insurance Premiums

Many factors are used in the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but others are less apparent like your continuous coverage or your financial responsibility. When buying car insurance it's important to understand some of the factors that go into determining the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can earn you lower premium levels.

Listed below are some of the most rate-impacting factors car insurance companies consider when setting your rate level.

Kia Sedona insurance discounts in Colorado Springs

Some insurance providers don't list every disount available in an easy-to-find place, so we researched a few of the more well known and also the lesser-known credits that may apply to you.Discount auto insurance

Remember that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn't stay in business. Any qualifying discounts should help lower your premiums.

A few of the larger companies and their offered discounts are:

If you are trying to find cheaper Colorado Springs auto insurance quotes, ask every company how you can save money. Savings might not be offered on policies in Colorado Springs.

Buying from auto insurance agents

Many people prefer to have an agent's advice and that is recommended in a lot of cases One of the great benefits of getting free rate quotes online is the fact that drivers can get lower rates and still have a local agent.

Insurance agency in Colorado SpringsTo help locate an agent, after submitting this short form, the quote information is instantly submitted to companies in Colorado Springs who will give you bids and help you find cheaper coverage. There is no reason to do any legwork because prices are sent to the email address you provide. It's the lowest rates AND an agent nearby. In the event you want to get a comparison quote from one company in particular, you can always go to their quote page to submit a rate quote request.

Selecting an company shouldn't rely on just the price. Here are some questions to ask:

If you are wanting to purchase car insurance from a local insurance agency, you need to know there are two different agency structures and how they differ in how they can insure your vehicles. Car insurance agents in Colorado Springs can either be exclusive agents or independent agents.

Exclusive Car Insurance Agents

Exclusive agencies generally can only insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on the products they sell which helps them compete with independent agents.

Shown below are exclusive insurance agents in Colorado Springs who may provide you with comparison quotes.

3918 Academy Blvd N - Colorado Springs, CO 80917 - (719) 632-3700 - View Map

1614 Academy Blvd N b - Colorado Springs, CO 80909 - (719) 596-1414 - View Map

1635 W Uintah St D - Colorado Springs, CO 80904 - (719) 329-1818 - View Map

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Independent Insurance Agents

Independent insurance agents are not employed by one company so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you don't have to switch agencies. When comparison shopping, you will definitely want to compare prices from multiple independent agents so that you can do a thorough price comparison.

Below is a short list of independent agents in Colorado Springs who can help you get rate quotes.

2525 W Pikes Peak Ave # C - Colorado Springs, CO 80904 - (719) 635-9720 - View Map

6455 N Union Blvd #104 - Colorado Springs, CO 80918 - (303) 974-7676 - View Map

4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map

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Upon receiving good responses to any questions you have as well as a price you're happy with, you may have found an insurance agent that meets the criteria to service your policy.

Can you really save if you switch?

Auto insurance providers like State Farm and Allstate consistently run ads on TV and radio. All the companies have a common claim that you'll save big if you move your coverage. It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.

Auto insurance companies look for specific characteristics for a prospective insured that will add to their bottom line. One example of a profitable customer could be married and over the age of 30, has no driving citations, and drives less than 7,500 miles a year. Any person that fits those parameters receives the best rates in Colorado Springs and therefore will save quite a bit of money when switching.

Consumers who cannot meet the requirements may be forced to pay higher premiums and this can result in the prospect going elsewhere. The trick companies use is to say "drivers who switch" but not "all drivers who get quotes" will save that much if they switch. This is how insurance companies can make those claims. That is why you should compare many company's car insurance rates. It's not possible to predict which insurance companies will provide you with the cheapest Kia Sedona insurance in Colorado Springs.

Quote. Compare. Save.

Some insurance companies do not offer rate quotes online and usually these small, regional companies prefer to sell through independent agencies. Affordable Kia Sedona insurance in Colorado Springs is definitely available both online in addition to many Colorado Springs insurance agents, so compare prices from both to get a complete price analysis.

We just covered a lot of information how to lower your Kia Sedona insurance prices in Colorado Springs. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

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