Auto Insurance Quotes for a Kia Sedona in Lincoln

Anyone knows that car insurance companies don’t want policyholders to shop around. Drivers who compare rates at least once a year will, in all likelihood, switch to a new company because there is a high probability of finding coverage at a cheaper rate. A recent auto insurance study revealed that consumers who make a habit of shopping around saved $3,400 over four years compared to drivers who don’t regularly compare prices.

If finding discount rates on car insurance is your intention, understanding how to find and compare cheaper coverage can help make the process easier.

The most effective way to find cheaper prices for auto insurance rates is to start comparing rates regularly from insurers who provide auto insurance in Lincoln.

• First, it will benefit you to learn about auto insurance and the modifications you can make to keep rates in check. Many rating criteria that increase rates like speeding and an unfavorable credit rating can be eliminated by being financially responsible and driving safely. Read the full article for tips to help prevent expensive coverage and find overlooked discounts.
• Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. Find a Lincoln insurance agent
• Third, compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, give notification to your agent or company of your intention to cancel your current policy. Submit the required down payment along with the signed application for your new policy. Once received, put the certificate of insurance in a readily accessible location in your vehicle.

One piece of advice is to use identical deductibles and limits on every quote request and and to compare every company you can. This guarantees the most accurate price comparison and a better comparison of the market.

Reducing your Kia Sedona insurance rates is an easy way to save money. You just need to invest a little time to compare rate quotes to discover which company has cheaper Lincoln car insurance quotes.

The providers in the list below provide price comparisons in Lincoln, NE. If you wish to find cheap auto insurance in Lincoln, NE, we suggest you get rates from several of them in order to get a fair rate comparison.

Why you need to buy insurance

Even though Lincoln Sedona insurance rates can get expensive, paying for insurance is required in Nebraska but also provides important benefits.

• Just about all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability protection if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Kia Sedona has a loan, almost all lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Kia at a significantly higher premium and force you to reimburse them for it.
• Insurance protects both your Kia Sedona and your personal assets. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance definitely exceed the price paid, especially with large liability claims. According to a recent study, the average American driver overpays more than $700 annually so compare rates every year to save money.

Kia Sedona insurance statistics and information

The data table displayed next outlines a range of prices for Kia Sedona models. Having knowledge of how insurance quotes are determined can assist in making informed decisions when comparing rates.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in vehicle location which can revise coverage rates noticeably.

Where to set your deductibles

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The comparison tables below may aid in understanding the costs and benefits between low and high insurance deductibles. The first data set uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can raise or lower coverage rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $21 more each month or $252 annually than buying the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 36 months between claims, you would come out ahead going with the higher deductible. The table below illustrates the way this calculation is made.

One important caveat is that raising deductibles means you pay more out-of-pocket at claim time. That will require some available funds in order to pay the higher deductible in order to repair your vehicle.

Cost difference between full coverage and liability

The example below compares Kia Sedona auto insurance rates when comparing full coverage to state minimum liability only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

Should you pay for full coverage?

There is no definitive rule to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Kia Sedona replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying more than $400 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Affordable Lincoln auto insurance quotes with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not know about. Some discounts will apply at the time you complete a quote, but some discounts are required to be inquired about before being credited.

• Low Mileage Discounts – Fewer annual miles on your Kia can earn better auto insurance rates on cars that stay parked.
• Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates as compared to drivers with a long claim history.
• Bundled Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
• Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Lincoln without a vehicle on campus can be insured at a reduced rate.
• Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
• Cautious Driver Discount – Accident-free drivers may receive a discount up to 45% than their less cautious counterparts.
• Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.

We need to note that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck.

The illustration below illustrates the comparison of Kia Sedona insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims, a clean driving record, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

A few companies that may offer policyholders these discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need lower rates, check with all the companies which discounts you qualify for. Some credits may not apply to policyholders in every state.

Neighborhood insurance agents

A small number of people would rather buy from a local agent and that is OK! Good agents are trained risk managers and help file insurance claims. One of the best bonuses of getting free rate quotes online is the fact that you can find lower rates and still have an agent to talk to. Buying from and supporting local insurance agents is definitely important in Lincoln.

After completing this simple form, the quote information is emailed to insurance agents in Lincoln who want to provide quotes for your insurance coverage. You don’t have to drive around since rate quotes are delivered to your email. If you wish to get a rate quote for a specific company, you can always jump over to their website and submit a quote form there.

If you are wanting to find a local Lincoln insurance agent, there are two types of agencies and how they can write your policy. Insurance agencies in Lincoln can be classified as either exclusive agents or independent agents. Either one can write car insurance policies, but it’s important to point out why they differ because it can influence buying decisions.

Independent Agents

These type of agents are not locked into one company so as a result can place your coverage with lots of companies and find the cheapest rate. If you are not satisfied with one company, the business is moved internally and the insured can keep the same agent.

If you are trying to find cheaper rates, you will definitely want to get several quotes from at a minimum one independent agency to get the most accurate price comparison. Most also write with different regional companies that many times have cheaper rates.

Shown below is a small list of independent insurance agencies in Lincoln who may be able to give you free price quotes.

• Solid Ground Insurance LLC
  6000 South 58th Street Suite C – Lincoln, NE 68516 – (402) 420-7654 – View Map
• INSPRO Insurance
  4000 Pine Lake Rd – Lincoln, NE 68516 – (402) 483-4500 – View Map
• Midwest Regional Agency
  201 S 84th St – Lincoln, NE 68510 – (800) 873-9713 – View Map

View more Lincoln agents

Exclusive Agencies

Exclusive agents can only write with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to purchase coverage from exclusives mainly due to the brand legacy rather than low price.

The following are exclusive agencies in Lincoln willing to provide comparison quotes.

• Farmers Insurance
  916 N 70th St – Lincoln, NE 68505 – (402) 488-5277 – View Map
• Allstate Insurance: Mitchell Happ
  6100 S 58th St e – Lincoln, NE 68516 – (402) 420-5590 – View Map
• American Family Insurance – Douglas Kruce
  5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224 – View Map

View more Lincoln agents

Finding a good car insurance agent needs to be determined by more than just the quoted price. These questions are important to ask:

• What insurance company do they write the most business with?
• How are claims handled?
• Do they prorate repair cost based on vehicle mileage?
• Is there a local claims center in Lincoln?
• What insurance companies do they recommend if they are an independent agent?
• Do you qualify for any additional discounts?
• Will the company cover a rental car if your car is getting fixed?

Quote more to save more

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Budget-friendly car insurance in Lincoln is attainable on the web and also from your neighborhood Lincoln agents, so you need to quote Lincoln car insurance with both to have the best rate selection. A few companies do not offer online quoting and most of the time these smaller providers work with independent agents.

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, policy non-renewal and even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

To learn more, feel free to browse the resources below:

• Rollover Crash FAQ (iihs.org)
• Who Has Cheap Auto Insurance for Safe Drivers in Lincoln? (FAQ)
• What Auto Insurance is Cheapest for a Ford Focus in Lincoln? (FAQ)
• Who Has Cheap Lincoln Auto Insurance for High School Students? (FAQ)
• What Auto Insurance is Cheapest for Low Mileage Drivers in Lincoln? (FAQ)
• Help Your Teen Be a Better Driver (State Farm)
• Teen Driver Statistics (Insurance Information Institute)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)