Best Rates for Kia Sedona Insurance in Atlanta

Insurance rates Kia Sedona in AtlantaTrying to find low-cost Kia Sedona insurance in Atlanta? Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of Atlanta residents who feel the same.

It’s hard to fathom, but most car insurance customers kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Georgia consumers could save approximately 60% a year by just shopping around, but they don’t believe the actual amount they would save if they switched to a more affordable policy. Because you have many different company options, it is hard for the average consumer to find the lowest price insurance company.

You should make it a habit to do price comparisons every six months because insurance prices are variable and change quite frequently. Just because you found the lowest rates on Kia Sedona insurance in Atlanta last year you may be paying too much now. Block out anything you think you know about car insurance because you’re about to find out the best methods to get good coverage on Kia Sedona insurance in Atlanta at a lower rate.

How Your Sedona Insurance Prices are Determined

Many factors are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are not quite as obvious such as your credit history or your financial responsibility. When buying insurance it’s important to understand some of the elements that play a part in calculating insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in better insurance rates.

The fastest way that we advise to compare rate quotes for Kia Sedona insurance in Atlanta takes advantage of the fact most insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give them rating details like your job, coverage limits, if you are currently licensed, and any included safety features. That rating information gets sent immediately to multiple top-rated companies and they provide comparison quotes within a short period of time.

If you would like to compare rates now, click here and complete the quick form.

The companies in the list below are ready to provide price quotes in Atlanta, GA. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Kia Sedona Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $188 $264 $334 $20 $100 $906 $76
Sedona LX $238 $466 $434 $26 $130 $1,294 $108
Sedona EX $332 $502 $342 $20 $102 $1,298 $108
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific location which can affect coverage prices noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below illustrate the differences in price between low and high deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Kia Sedona insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $338 $502 $334 $20 $100 $1,319 $110
Sedona LX $338 $612 $334 $20 $100 $1,429 $119
Sedona EX $382 $612 $334 $20 $100 $1,473 $123
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Kia Sedona insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $248 $340 $334 $20 $100 $1,042 $87
Sedona LX $248 $414 $334 $20 $100 $1,116 $93
Sedona EX $278 $414 $334 $20 $100 $1,146 $96
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates considerably.

We can estimate from the data above that using a $100 deductible will cost you about $25 more each month or $300 for a full year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claims, you would probably come out ahead if you opt for a higher deductible. The table below illustrates how this decision is made.

Average monthly premium for $100 deductibles: $117
Average monthly premium for $500 deductibles (subtract): – $92
Monthly savings from raising deductible: $25
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you file a claim. You need to have a higher level of savings in the event you have to pay more for the deductible.

Safe drivers pay less for car insurance

The illustration below highlights how speeding tickets and at-fault claims can drive up Kia Sedona auto insurance costs for each different age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

An analysis of deductible level

The information below shows how choosing a deductible and can increase or decrease Kia Sedona yearly insurance costs for each age group. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.

Why you need to buy car insurance

Despite the fact that car insurance is not cheap in Atlanta, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance are definitely more than the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $810 a year so compare rates at least once a year to ensure rates are competitive.

Affordable Atlanta auto insurance quotes with discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.Save money with discounts

It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Car insurance companies that may offer some of the above discounts include:

If you need lower rates, check with each company or agent which discounts you may be entitled to. A few discounts might not apply in your state. If you would like to see a list of insurers with the best Kia Sedona insurance discounts in Georgia, click here to view.

Are insurance agencies of importance?

Some consumers just want to talk to a local agent and doing that can be a smart decision Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent.

Atlanta insurance agentsTo help locate an agent, after submitting this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Atlanta who will return price quotes and help you find cheaper coverage. You don’t have to leave your house as quotes are delivered immediately to your email address. In the event you want to get a comparison quote from one company in particular, just navigate to their website and fill out their quote form.

Picking the best provider shouldn’t rely on just the premium amount. Before buying a policy in Atlanta, get answers to these questions.

If you are wanting to find a reputable agency, you must know there are a couple different agency structures and how they operate. Auto insurance agents can either be independent agents or exclusive agents depending on their employer. Either one can write policy coverage, but we need to point out the difference in how they write coverage because it can factor into the type of agent you choose.

Exclusive Agencies

Exclusive agencies generally can only insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Below are exclusive agents in Atlanta who can help you get price quote information.

1442 Dresden Dr NE #253Atlanta, GA 30319(404) 812-9951View Map

3041 N E ExpyAtlanta, GA 30341(770) 452-1485View Map

3680 Cascade Rd cAtlanta, GA 30331(404) 472-9003View Map

View more Atlanta agents

Independent Auto Insurance Agents

Agents of this type can quote rates with many companies and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, we recommend you include price quotes from independent agents to get the best comparison.

The following is a short list of independent insurance agents in Atlanta that can give you price quotes.

Cascade Heights Insurance Agency
833 Cascade Ave SW eAtlanta, GA 30311(404) 758-7811View Map

Access General Agency Inc
1627 Peachtree St NEAtlanta, GA 30309(404) 817-9744View Map

191 Peachtree St NE Suite 3300Atlanta, GA 30303(678) 526-7979View Map

View more Atlanta agents

Cheaper insurance premiums are out there

In this article, we covered a lot of information how to shop for Kia Sedona insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best premium rates are with a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut full coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Additional insurance information is located at the links below