It’s a fact that auto insurance companies don’t want you shop around. Consumers who shop for lower rates are likely to switch to a new company because there is a high probability of finding a more affordable policy premium. A study showed that drivers who compared rates annually saved approximately $3,500 over four years compared to people who didn’t regularly shop around.
If finding the lowest price on insurance in Jacksonville is your objective, learning how to get price quotes and compare coverages can make it simple to find affordable coverage.
If saving the most money is your goal, then the best way to get affordable Kia Sedona insurance is to do a yearly price comparison from different companies that insure vehicles in Jacksonville.
- Step 1: Learn about how insurance works and the changes you can make to keep rates low. Many policy risk factors that drive up the price such as at-fault accidents and your credit history can be eliminated by making minor changes in your lifestyle.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies.
- Step 3: Compare the quotes to the price on your current policy and see if you can save money. If you find better rates, verify that coverage does not lapse between policies.
A crucial key to this process is that you use the same coverage limits and deductibles on every quote and and to get price quotes from every company you can. Doing this guarantees the most accurate price comparison and a better comparison of the market.
Companies offering cheap Kia Sedona price quotes in Jacksonville, FL
The companies shown below are ready to provide comparison quotes in Jacksonville, FL. If multiple providers are shown, we suggest you visit several of them in order to find the most competitive rates.
Auto insurance statistics and figures
The information displayed next outlines different insurance rates for Kia Sedona models. Having a good grasp of how policy rates are calculated can help guide drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $276 | $442 | $334 | $20 | $100 | $1,172 | $98 |
| Sedona LX | $276 | $538 | $334 | $20 | $100 | $1,268 | $106 |
| Sedona EX | $312 | $538 | $334 | $20 | $100 | $1,304 | $109 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can affect premiums greatly.
Deductible comparison
One common question asked by Jacksonville drivers is where should you set your physical damage deductibles. The rates shown below determine how much more rates are when you buy lower versus higher deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $358 | $532 | $354 | $20 | $106 | $1,395 | $116 |
| Sedona LX | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Sedona EX | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $262 | $360 | $354 | $20 | $106 | $1,102 | $92 |
| Sedona LX | $262 | $438 | $354 | $20 | $106 | $1,180 | $98 |
| Sedona EX | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can revise rates significantly.
Based on this data, using a $100 deductible costs an average of $27 more each month or $324 every year than selecting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 15 months between claims, you would probably save some money if you opt for a higher deductible.
Does it make sense to buy full coverage?
The illustration below shows the comparison of Kia Sedona car insurance rates with and without full coverage. The data assumes no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no set guideline for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Kia Sedona claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.
These discounts can lower your auto insurance rates
Car insurance is not cheap, but you can get discounts that can help lower your rates. A few discounts will be applied when you complete an application, but a few must be specifically requested before they will apply.
- Discount for Good Grades – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Organization Discounts – Being in a qualifying organization could earn you a nice discount when getting a Jacksonville auto insurance quote.
- Discounts for New Vehicles – Buying a new car instead of a used Sedona can get you a discount due to better safety requirements for new vehicles.
- No Claims – Jacksonville drivers who stay claim-free pay less in comparison to frequent claim filers.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you lower rates if you buy life insurance from them.
You should keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.
The example below visualizes the comparison of Kia Sedona annual premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.
A few popular companies and some of the discounts include:
- 21st Century has discounts for early bird, homeowners, automatic seat belts, defensive driver, teen driver, and air bags.
- State Farm offers premium reductions for good student, student away at school, defensive driving training, safe vehicle, passive restraint, Steer Clear safe driver discount, and accident-free.
- AAA includes discounts for good driver, education and occupation, anti-theft, multi-car, and multi-policy.
- Liberty Mutual may have discounts that include multi-car, teen driver discount, preferred payment discount, safety features, and new move discount.
- Progressive discounts include online quote discount, multi-policy, continuous coverage, homeowner, and multi-vehicle.
When quoting, ask each company how you can save money. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of insurance companies with discount rates in Jacksonville, click this link.
Informed Consumers Know How to Buy Insurance at a Discount
It’s important that you understand some of the factors that aid in calculating the rates you pay for insurance. If you know what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.
The following are some of the most common factors used by your company to calculate premiums.
- Adjust deductibles and save – Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered could be rear-ending another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount you choose to pay out-of-pocket, the bigger discount you will receive.
- Get hitched and pay less – Your spouse can actually save you money on insurance. Marriage demonstrates that you tend to be less irresponsible and statistics show married couples file fewer claims.
- Your location is a factor – Living in less populated areas of the country is a positive aspect when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. Urban drivers have to deal with traffic congestion and a longer drive to work. Longer commute distances means higher likelihood of an accident.
- Bundle policies and save – Most major insurance companies apply a discount to policyholders who buy several policies from them in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to help guarantee you have the best rates. Consumers may save more without the discount even if you insure with multiple companies
- Car insurance liability insurance limits – Liability insurance is the protection if ever you are found liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
-
Better drivers pay less – Good drivers pay less for auto insurance as compared to careless drivers. Only having one speeding ticket can increase rates by as much as twenty percent. Drivers who have gotten license-revoking tickets like DUI or reckless driving may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to legally drive.
The diagram below shows how traffic citations and fender-benders impact Kia Sedona insurance prices for different age groups. The data is based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
- Never let your coverage expire – Allowing your insurance policy to lapse is a sure-fire way to increase your renewal premiums. And not only will your rates increase, the inability to provide proof of insurance might get you a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with the Florida motor vehicle department.
- Better insurance rates on safer vehicles – Cars with high safety ratings tend to have lower insurance rates. Safer cars result in less severe injuries and any reduction in injury severity translates directly to fewer claims which can result in lower premiums. If your Kia Sedona scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
-
Kia Sedona insurance loss probability – Insurance companies analyze historical claim data to determine a price that will be profitable for them. Models that tend to have increased losses will have higher rates for specific coverages. The next table shows the loss history for Kia Sedona vehicles.
For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage values below 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent losses or statistically larger losses.
Kia Sedona Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Kia Sedona 102 64 96 116 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Independent versus exclusive insurance agents
Some consumers just prefer to buy from a licensed agent and that is a personal choice. One of the benefits of comparing insurance online is the fact that you can find the best rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), the quote information is emailed to participating agents in Jacksonville that can provide free Jacksonville auto insurance quotes to get your business. You won’t even need to leave your house because prices are sent to the email address you provide. You can find lower rates and an insurance agent to talk to. If you wish to get a rate quote for a specific company, you would need to go to their quote page and complete a quote there.
Picking an insurance company requires more thought than just the price. Here are some questions to ask:
- How long has the business existed?
- Does the agency provide any after hours assistance?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will one accident increase rates?
- If they are an independent agency in Jacksonville, which companies do they recommend?
- Do they review policy coverages at every renewal?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which family members are covered?
When looking for an insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Insurance agents in Jacksonville may be either exclusive or independent.
Exclusive Insurance Agents
These agents generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide other company’s prices so they really need to provide good service. Exclusive agents are well trained on sales techniques which aids in selling service over price. Consumers frequently choose to use a exclusive agent primarily because of the brand and solid financial strength.
Listed below are Jacksonville exclusive agents that are able to give price quotes.
- Edie Williams – State Farm Insurance Agent
2325 Park St – Jacksonville, FL 32204 – (904) 425-4054 – View Map - Allstate Insurance, John Crowell Agency
9700 Philips Hwy #109 – Jacksonville, FL 32256 – (904) 538-9440 – View Map - Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 – View Map
Independent Insurance Agents
These agents can sell policies from many different companies and that gives them the ability to insure amongst many companies and get you the best rates possible. To move your coverage to a new company, your agent can just switch to a different company which makes it simple for you. If you are trying to find cheaper rates, you will definitely want to contact at least one independent agent to maximize your price options. Most can insure with smaller regional carriers which can be an advantage.
The following are Jacksonville independent agencies willing to provide comparison quotes.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map - Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map - State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map
A conclusion for your car insurance search
When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.
Consumers who switch companies do it for any number of reasons including policy non-renewal, lack of trust in their agent, extreme rates for teen drivers or delays in paying claims. Whatever your reason, finding a great new company can be easy and end up saving you some money.
Budget-conscious Kia Sedona insurance is possible on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and many times these small, regional companies work with independent insurance agencies.
To read more, feel free to browse the articles below: