Kia Sedona Insurance Rates in San Jose

If you want to save money, the best way to find more affordable Kia Sedona insurance is to compare prices regularly from providers who provide auto insurance in San Jose.

1. Try to understand individual coverages and the things you can change to drop your rates. Many rating criteria that are responsible for high rates such as your driving record and a negative credit rating can be rectified by making lifestyle changes or driving safer.
2. Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of companies.
3. Compare the new quotes to the price on your current policy to see if a cheaper rate is available in San Jose. If you find better rates and switch companies, make sure there is no coverage gap between policies.

One thing to point out is to try to use the same coverage limits and deductibles on each quote request and and to get price quotes from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and a thorough price selection.

Smart shoppers know that insurance companies want to prevent you from shopping around. Insureds who compare rates at least once a year will presumably switch companies because there is a good chance of finding more affordable rates. A study discovered that drivers who made a habit of comparing rate quotes saved approximately $860 a year compared to policyholders who don’t make a habit of comparing rates.

If finding budget-friendly rates on Kia Sedona insurance in San Jose is your objective, then learning a little about how to quote prices and compare auto insurance can save money and time.

Best Kia Sedona insurance prices in California

The companies shown below provide price comparisons in San Jose, CA. If multiple companies are shown, it’s a good idea that you get prices from several of them to get the cheapest price.

Facts and figures for Kia Sedona insurance

The table shown below showcases estimates of insurance policy prices for Kia Sedona models. Being more informed about how insurance quotes are determined can be of help when making decisions on which coverage to buy.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can influence prices greatly.

Analysis of deductible levels

A question often asked by San Jose drivers is which deductible level should you buy. The following tables can help you understand the rate differences when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in San Jose which can impact prices noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $28 more each month or $336 for a full year averaged for all Sedona models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 14 months between claims, you would come out ahead going with the higher deductible.

The information below highlights how deductible choice and can influence Kia Sedona yearly insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Discounts for cheaper car insurance quotes

Car insurance is expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Most are applied at the time of quoting, but less common discounts must be specifically requested before they will apply.

• Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save up to 5%.
• Homeowners Savings – Just being a homeowner can get you a discount since owning and maintaining a home shows financial diligence.
• Memberships – Being a member of certain professional organizations may earn a discount when shopping for car insurance.
• Claim-Free Discount – Insureds with no claims or accidents get the best car insurance rates when compared to bad drivers.
• Senior Citizens – Mature drivers can possibly qualify for a small decrease in premiums.
• Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote San Jose car insurance with a few car insurance companies.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company you could save as much as 10 to 15 percent.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
• Resident Student – Kids who are attending college and do not take a car to college may qualify for this discount.

Discounts save money, but please remember that some credits don’t apply to the whole policy. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky. But any discount will definitely reduce the cost of your policy.

The chart below compares Kia Sedona auto insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, marriage, and multi-policy discounts applied.

The best car insurance companies and a partial list of their discounts can be read below.

• GEICO has discounts for anti-lock brakes, federal employee, multi-vehicle, defensive driver, good student, air bags, and military active duty.
• Travelers offers premium reductions for multi-car, continuous insurance, save driver, IntelliDrive, and hybrid/electric vehicle.
• Farm Bureau may offer discounts for multi-policy, 55 and retired, safe driver, youthful driver, driver training, and multi-vehicle.
• Liberty Mutual policyholders can earn discounts including new graduate, good student, new move discount, teen driver discount, exclusive group savings, and new vehicle discount.
• American Family may include discounts for Steer into Savings, defensive driver, good student, multi-vehicle, early bird, accident-free, and air bags.
• Progressive may have discounts that include homeowner, good student, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.

If you want affordable San Jose car insurance quotes, ask each company to apply every possible discount. Some discounts listed above might not be offered in San Jose. For a list of providers that offer many of these discounts in San Jose, click here to view.

Don’t I need to talk to a local insurance agent?

Certain consumers just prefer to have an agent’s advice and that is not a bad decision The biggest benefit of comparing rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Putting coverage with local agents is still important in San Jose.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to companies in San Jose that provide free San Jose car insurance quotes for your coverage. You won’t need to contact an agency due to the fact that quote results will go straight to your inbox. You can find better rates without a big time investment. If you want to compare rates from a particular provider, you just need to jump over to their website and complete a quote there.

If you prefer to buy insurance from a reliable insurance agency, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies can either be exclusive or independent (non-exclusive).

Independent Agents

These agents are not employed by one company so as a result can place your coverage with a variety of different insurance companies and get the cheapest rates. If your agent finds better pricing, they can switch companies in-house and you stay with the same agent.

When searching for an agent, we recommend you include price quotes from a few independent agents to have the most options to choose from.

The following is a short list of independent agents in San Jose that may be able to give competitive price quotes.

View more San Jose agents

Exclusive Agents

Exclusive insurance agents can only provide pricing for a single company and examples are AAA, Allstate, and State Farm. They are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies receive extensive training on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive insurance agents in San Jose willing to provide comparison quotes.

View more San Jose agents

Choosing an auto insurance agent needs to be determined by more than just the quoted price. Agents should be asked these questions:

• Does the agent have a valid license to sell insurance in California?
• Which companies do they recommend if they are an independent agency?
• How much training do they have in personal risk management?
• Will they give you a referral list?
• How is replacement cost determined on your vehicle?

After receiving positive responses and a low price estimate, it’s a good possibility that you have found an insurance agent that is reliable enough to adequately provide insurance. Just be aware that you have the power to cancel your coverage whenever you want so never assume that you are obligated to your new company for the full term.

Affordable coverage is out there

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

We covered many ideas to shop for Kia Sedona insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive or GEICO.

Additional detailed information can be read by following these links:

• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Who Has Cheap San Jose Car Insurance Quotes for Drivers Over Age 70? (FAQ)
• Who Has Affordable San Jose Auto Insurance Quotes for Postal Workers? (FAQ)
• How Much is Auto Insurance for Uninsured Drivers in San Jose? (FAQ)
• Who Has Affordable Car Insurance for Teenage Females in San Jose? (FAQ)
• What Insurance is Cheapest for 17 Year Olds in San Jose? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Frontal Crash Tests (iihs.org)