Discount Kia Sedona insuranceSick and tired of being strong-armed to buy insurance? You are no different than millions of other consumers.

Unfortunately, the vast majority of drivers renewed their policy with the same company for at least the last four years, and about 40% of consumers have never taken the time to shop around. With the average premium in Colorado being $1,813, drivers could pocket roughly $610 a year by just comparing quotes, but they don't want to spend time to find affordable insurance rates.

Big-name insurance companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.

If you have car insurance now, you will be able to shop for the lowest rates using these tips. Buying the cheapest car insurance in Fort Collins is much easier if you know where to start. But Colorado drivers can benefit from knowing how insurance companies set your policy premium because rates fluctuate considerably.

Auto insurance discounts help lower rates for Kia Sedona insurance in Fort Collins

Buying auto insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Many discounts should be triggered at the time of quoting, but some must be specially asked for prior to receiving the credit.

While discounts sound great, it's important to understand that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way.

A few popular companies and their possible discounts include:

When getting free Fort Collins auto insurance quotes, it's a good idea to all companies you are considering which discounts can lower your rates. A few discounts might not be offered on policies in your state.

It's important to know that comparing a wide range of rates helps improve the odds of finding a better price.

The companies shown below have been selected to offer free rate quotes in Colorado. If the list has multiple companies, we suggest you compare several of them to find the most competitive auto insurance rates.

Kia Sedona Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $260 $462 $338 $20 $102 $1,182 $99
Sedona LX $160 $326 $388 $22 $116 $1,012 $84
Sedona EX $340 $562 $404 $24 $120 $1,450 $121
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease coverage rates greatly.

Analysis of deductible levels

One common question asked by Fort Collins drivers is how high should the physical damage deductibles be. The figures shown below can help show the costs and benefits between low and high physical damage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Kia Sedona insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $302 $448 $298 $18 $90 $1,181 $98
Sedona LX $302 $546 $298 $18 $90 $1,279 $107
Sedona EX $342 $546 $298 $18 $90 $1,319 $110
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Kia Sedona insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $168 $236 $298 $18 $90 $810 $68
Sedona LX $168 $288 $298 $18 $90 $862 $72
Sedona EX $190 $288 $298 $18 $90 $884 $74
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in Fort Collins location which can impact rates considerably.

Based on the above data, using a $100 deductible will cost in the ballpark of $34 more each month or $408 for a full year than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 26 months between claim filings, you would probably be better off if you decide on a higher deductible. Here is an example of how this decision is made.

Average monthly premium for $100 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): - $71
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important issue to know is that raising deductibles to save money means you will have to pay more at claim time. You must have enough savings in the event you need to pay more to get your vehicle repaired.

Does full coverage make sense?

The chart below examines Kia Sedona auto insurance costs with full phyical damage coverage and with liability coverage only. The data is based on no claims or driving violations, $1,000 deductibles, single male driver, and no additional discounts are factored in.

When to stop buying full coverage

There is no exact rule for eliminating physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's say your Kia Sedona settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Auto insurance rates are higher with tickets and accidents

The example below highlights how speeding tickets and at-fault claims can raise Kia Sedona yearly insurance costs for each age group. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

How do Insurance Providers Determine Kia Sedona Insurance Premiums?

Many different elements are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent such as your credit history and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine the level of your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that can earn you big savings.

Policy add-ons can waste money - Policies have add-on coverages that you can get tricked into buying if you don't pay attention. Coverage for things like vanishing deductibles, high-cost glass coverage, and motor club memberships are some examples. The coverages may be enticing when discussing your needs, but now you might not need them so remove them and pocket the money.

Rate your vehicle for proper use - The more you drive your Kia in a year the more it will cost to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Autos that are left in the garage cost less to insure compared to those used for work or business. An incorrectly rated Sedona can result in significantly higher rates. Verify your car insurance declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money.

Driving citations hurt - Even one speeding ticket or other violation may increase your cost to the point where it's not affordable. Drivers with clean records get better rates compared to bad drivers. Drivers who get multiple tickets like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state in order to prevent their license from being revoked.

Your spouse saves you money - Being married actually saves money on your car insurance bill. Having a spouse is viewed as being more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.

High premiums for teen drivers - Beginning drivers in Colorado are proven to be inattentive when at the wheel of a vehicle so car insurance rates are higher. More mature drivers are shown to be more cautious, are lower risk to insure, and usually have better credit.

Cars with good safety ratings lower rates - Safer cars tend to have better insurance rates. Vehicles engineered for safety protect occupants better and fewer injuries translates directly to fewer claims and lower rates for you.

Lower car insurance rates with alarm systems - Buying a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.

Loss statistics for a Kia Sedona - Insurance companies take into consideration insurance loss statistics for every vehicle when they file their rates in each state. Vehicles that the statistics show to have high amounts or severity of claims will cost more for coverage.

The next table illustrates the historical loss data for Kia Sedona vehicles. For each coverage category, the statistical loss for all vehicles as a whole is a value of 100. Percentage numbers below 100 suggest a positive loss record, while percentages above 100 point to more frequent losses or statistically larger losses.

Auto Insurance Loss Data for Kia Sedona Models

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance is unique, just like you

Keep in mind that when it comes to choosing your policy, there is no one-size-fits-all type of policy. Every insured's situation is different and your auto insurance should unique, too. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Compare rate quotes but buy from a local neighborhood Fort Collins car insurance agent

Certain consumers just prefer to have an agent's advice and doing that can be a smart decision The biggest benefit of getting online price quotes is you may find cheap auto insurance quotes and still buy from a local agent. Buying from and supporting local insurance agencies is important especially in Fort Collins.

Insurance agency in Fort CollinsTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to insurance agents in Fort Collins that can give you free Fort Collins auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered to the email address you provide. You can find better rates without requiring a lot of work. In the event you want to compare prices from a specific insurance company, just search and find their rate quote page and submit a quote form there.

Pick the best car insurance agent in Fort Collins for you

If you need to find an insurance agent, it's helpful to know the types of insurance agents that you can select. Auto insurance agents are categorized either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies or Brokers

These agents are not required to write business for one company and that allows them to write policies with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house and you don't have to find a new agent. When comparing auto insurance prices, we recommend you contact independent agents in order to have the best price comparison.

Shown below is a list of independent agents in Fort Collins who can help you get free rate quotes.

Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

220 Smith St - Fort Collins, CO 80524 - (970) 484-2805 - View Map

More Fort Collins agents

Exclusive Insurance Agents

Exclusive agencies normally can only provide a single company's rates such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide rate quotes from other companies so keep that in mind. They are well schooled on their company's products and that can be a competitive advantage.

Listed below is a short list of exclusive insurance agents in Fort Collins that can give you price quotes.

Dave Lawser - State Farm Insurance Agent
4605 Ziegler Rd #1 - Fort Collins, CO 80528 - (970) 226-1306 - View Map

2700 S College Ave Ste 110 - Fort Collins, CO 80525 - (970) 223-7900 - View Map

19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map

More Fort Collins agents

Choosing an car insurance agent should depend on more than just the price. These are some questions your agent should answer.

After receiving acceptable answers to your questions as well as an affordable premium quote, it's a good possibility that you have found an insurance agent that is reputable and can adequately provide auto insurance. Keep in mind consumers can terminate coverage whenever you choose to so don't assume you are locked into your new company for the entire policy term.

Three reasons to insure your Kia Sedona

Despite the high insurance cost for a Kia Sedona in Fort Collins, insurance is a good idea for several reasons.

First, just about all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if your Sedona has a lienholder, almost every bank will require you to buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Kia at a significantly higher premium and require you to fork over for it.

Third, insurance protects both your assets and your Kia Sedona. It will also provide coverage for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having insurance more than cancel out the cost, especially for larger claims. But the average driver in Colorado is overpaying over $825 a year so smart consumers compare quotes every year to ensure rates are competitive.

Don't give up on cheap rates

You just read quite a bit of information on how to reduce Kia Sedona insurance prices online in Fort Collins. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the lowest prices come from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

While you're price shopping online, it's not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that they should have had better coverage. Your goal is to find the BEST coverage at the best possible price, but don't skip important coverages to save money.

Affordable Kia Sedona insurance in Fort Collins can be purchased online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide online price quotes and usually these regional insurance providers prefer to sell through independent agencies.

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