Best Insurance for a Kia Sedona in Santa Ana

The easiest way to get cheaper Kia Sedona insurance in Santa Ana is to make a habit of comparing prices annually from different companies in California.

• First, try to understand the different coverages in a policy and the factors you can control to prevent rate increases. Many policy risk factors that result in higher prices such as speeding and a lousy credit rating can be improved by paying attention to minor details.
• Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers.
• Third, compare the quotes to your current policy premium to determine if switching companies saves money. If you find a better price, ensure coverage does not lapse between policies.
• Fourth, tell your current company to cancel your current policy. Submit any necessary down payment along with the completed application to your new insurance company. Be sure to safely store the certificate of insurance in an accessible location in your vehicle.

One key aspect of rate comparisons is that you'll want to compare the same liability limits and deductibles on every quote request and to quote with all possible companies. Doing this enables a fair rate comparison and a better comparison of the market.

It's shocking but most drivers have purchased from the same company for more than four years, and almost 40% of drivers have never compared rates from other carriers. California insurance shoppers could save about $470 a year just by comparing rates, but they don't know how much savings they would realize if they just switched companies.

Companies offering Kia Sedona insurance in California

The companies shown below offer quotes in California. If more than one company is shown, we suggest you visit several of them to get the most competitive price.

Kia Sedona coverage statistics

The table below highlights a range of insurance policy prices for Kia Sedona models. Learning how rates are formulated can be valuable when making informed purchases.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can alter rates considerably.

Higher deductibles lower rates

One common question asked by Santa Ana drivers is the level to set your comp and collision deductibles. The following insurance rates approximate the difference in cost when you choose different comp and collision deductibles. The first rate quote example uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific garaging location which can change premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $28 more each month or $336 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 14 months between claim filings, you would save more money by going with a higher deductible. Here is the way you can make this decision for your own policy.

One important issue to know is that raising deductibles means you will have to pay more of your own money at claim time. That will require some non-essential savings in order to pay the deductible to have repairs made.

The diagram below demonstrates how choosing different deductibles and can impact Kia Sedona insurance prices for each different age group. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Drive safe and save

The example below shows how speeding tickets and fender-benders can increase Kia Sedona car insurance rates for each age group. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Car insurance rates by gender and age in Santa Ana

The diagram below illustrates the comparison of Kia Sedona yearly insurance costs for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.

Kia Sedona full coverage rates compared to liability only

The chart below compares Kia Sedona insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.

Should you be buying full coverage?

There is no exact rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's pretend your Kia Sedona claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $8,000 after paying the physical damage deductible. If it's costing in excess of $800 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Auto insurance discounts are available to lower rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some must be asked about in order for you to get them.

• Save over 55 - If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
• Santa Ana Homeowners Discount - Being a homeowner may earn you a small savings because it requires a higher level of personal finance.
• Military Rewards - Being deployed with a military unit may qualify for rate reductions.
• Multi-line Discount - Select companies reward you with better rates if you take out some life insurance in addition to your auto policy.
• Memberships - Affiliation with a qualifying organization could earn you a nice discount on your bill.
• Telematics Devices - Santa Ana drivers who agree to allow their auto insurance company to study driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if they have good driving habits.
• Anti-theft System - Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your Santa Ana car insurance quote.
• Accident-Free Discounts - Drivers with accident-free driving histories pay less in comparison with policyholders that have many claims.
• Multiple Vehicles - Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you aren't that lucky. But any discount will definitely reduce your overall bill.

The example below compares Kia Sedona insurance prices with and without discounts applied to the policy rates. The information is based on a female 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-policy, marriage, safe-driver, homeowner, multi-car, and claim-free discounts applied.

The best auto insurance companies and some of the discounts are shown below.

• GEICO offers discounts for multi-vehicle, air bags, five-year accident-free, federal employee, good student, driver training, and anti-lock brakes.
• Travelers includes discounts for good student, save driver, home ownership, multi-policy, multi-car, continuous insurance, and IntelliDrive.
• Farm Bureau may have discounts that include driver training, 55 and retired, renewal discount, safe driver, youthful driver, multi-vehicle, and multi-policy.
• Liberty Mutual discounts include newly married, multi-policy, newly retired, preferred payment discount, and good student.
• American Family may include discounts for bundled insurance, TimeAway discount, accident-free, good driver, and multi-vehicle.
• Progressive offers premium reductions for online quote discount, homeowner, good student, multi-vehicle, continuous coverage, and multi-policy.

Before purchasing a policy, check with all the companies how you can save money. Some of the discounts discussed earlier may not be available in Santa Ana.

When in doubt talk to an agent

Always remember that when buying the best auto insurance coverage, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

• Where can I find high-risk insurance?
• Am I covered by my employer's commercial auto policy when driving my personal car for business?
• What are the financial responsibility laws in my state?
• When should I remove my kid from my policy?
• How much liability insurance is required?
• Does liability extend to a camper or trailer?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is GAP insurance?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Local Santa Ana auto insurance agents

Certain consumers still like to go talk to an agent and doing that can be a smart decision A nice benefit of comparing car insurance online is that you can obtain the best rates but also keep your business local. And supporting neighborhood agents is still important in Santa Ana.

To find an agent, once you fill out this form (opens in new window), the coverage information gets sent to companies in Santa Ana that can provide free Santa Ana car insurance quotes for your insurance coverage. It's much easier because you don't need to contact any insurance agencies since rate quotes are delivered immediately to you. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to compare prices from one company in particular, you just need to search and find their rate quote page and submit a quote form there.

Two types of Santa Ana auto insurance agents

If you are wanting to find a reliable insurance agency, it's important to understand the different types of agencies and how they function. Car insurance agents can be categorized as either independent agents or exclusive agents.

Independent Agents

These agents are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When comparing car insurance prices, it's a good idea to get insurance quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

Featured below is a partial list of independent insurance agencies in Santa Ana who may provide free car insurance rate quotes.

More insurance agents

Exclusive Car Insurance Agencies

These agents can usually just insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well trained on their products and sales techniques which helps overcome the inability to quote other rates.

Listed below is a list of exclusive insurance agents in Santa Ana who can help you get price quote information.

More insurance agents

Selecting an car insurance agent should include more criteria than just a cheap quote. These are some valid questions you should ask.

• Do they regularly work with personal auto policies in Santa Ana?
• Do they reduce claim amounts on high mileage vehicles?
• If your car is totaled, how to they determine the replacement cost?
• Where are claims handled?
• Who is covered by the car insurance policy?
• Can they provide you with a list of referrals?
• Does the agent have a valid license to sell insurance in California?
• How experienced are they in personal risk management?

Car insurance policy specifics

Having a good grasp of a car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects you against other people's claims. Liability doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/5 which means $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, funeral expenses, structural damage, repair bills for other people's vehicles and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

The next chart demonstrates why the minimum limit may not be enough coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Kia Sedona.

Because many people only purchase the least amount of liability that is required (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, falling objects and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Sedona caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Sedona to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for hospital visits, ambulance fees, pain medications and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More quotes mean more insurance savings

We just showed you many ways to compare Kia Sedona insurance car insurance rates in Santa Ana. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the best price on insurance is with a small mutual company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

Budget-conscious Kia Sedona insurance can be bought both online and also from your neighborhood Santa Ana agents, so get free Santa Ana car insurance quotes from both of them to have the best rate selection. Some companies don't offer internet price quotes and usually these regional insurance providers provide coverage only through independent insurance agents.

For more information, take a look at the following helpful articles:

• Teen Driver Licensing Information (iihs.org)
• Who Has the Cheapest Auto Insurance Rates for a Nissan Rogue in Santa Ana? (FAQ)
• What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance Quotes for a Nissan Versa? (FAQ)
• What Auto Insurance is Cheapest for Used Cars in Santa Ana? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Jeep Wrangler in Santa Ana? (FAQ)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)