Kia Sedona Insurance Quotes in Chula Vista

Feel like you have an expensive auto insurance policy? Trust us, there are lots of Chula Vista residents who feel the same.

Discount Kia Sedona insuranceIt’s well known that auto insurance companies don’t want you to compare rates. People who perform rate comparisons are likely to switch companies because there is a great chance of finding a lower-priced company. A recent auto insurance study discovered that drivers who regularly compared rates saved $860 a year as compared to drivers who never compared rates.

If finding the cheapest price for auto insurance is the reason you’re here, then having an understanding of how to get rate quotes and compare coverage rates can help simplify the task of finding more affordable coverage.

Steps to finding the cheapest rates for Kia Sedona insurance in Chula Vista

If you want to save money, the best way to save money on Kia Sedona insurance is to compare quotes annually from different companies who sell auto insurance in Chula Vista.

  1. Try to learn about the different coverages in a policy and the modifications you can make to prevent rate increases. Many rating factors that result in higher rates like traffic tickets, fender benders, and a poor credit rating can be eliminated by making minor changes to your lifestyle.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agents can give you price quotes for many different companies. Start a quote
  3. Compare the price quotes to the price on your current policy and determine if cheaper Sedona coverage is available in Chula Vista. If you can save some money, verify that coverage does not lapse between policies.
  4. Provide notification to your current company of your intention to cancel your existing policy and submit a completed policy application and payment for your new policy. As soon as coverage is bound, keep the new certificate of insurance in your glove compartment.

An essential thing to point out is to use the same level of coverage on each price quote and and to get quotes from as many auto insurance providers as possible. Doing this helps ensure a level playing field and a complete price analysis.

Insurance companies such as GEICO, Progressive and Allstate promote their brand names with advertising and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

It’s important to get comparison quotes at least once a year because prices go up and down regularly. Even if you got the lowest rates on Kia Sedona insurance in Chula Vista last year there is a good chance you can find better rate quotes now. There is lot of inaccurate information about Sedona insurance on the internet, but in this article, you’re going to get a lot of great tips on how to lower your auto insurance premiums.

All the larger car insurance companies such as State Farm and Allstate allow consumers to get prices directly from their websites. This process is quite easy because you just enter your personal and coverage information into a form. Once you submit the form, their rating system will order reports for credit and driving violations and generates a price. This makes comparing rates easy, and it’s absolutely necessary to compare as many rates as possible if you want to get the best rate.

To save time and compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate deductibles and limits identical to your current policy. This way, you will get a price comparison based on similar coverages.

The following companies are our best choices to provide free rate quotes in California. If you wish to find the best auto insurance in Chula Vista, we recommend you visit several of them to get a more complete price comparison.

Coverage information

The table shown below covers a range of insurance costs for Kia Sedona models. Being aware of how auto insurance premiums are determined helps drivers make smart choices when choosing a car insurance company.

Kia Sedona Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $164 $252 $360 $22 $108 $906 $76
Sedona LX $164 $308 $360 $22 $108 $962 $80
Sedona EX $186 $308 $360 $22 $108 $984 $82
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower insurance rates noticeably.

Where to set your deductibles

One common question asked by Chula Vista drivers is at what level do you set your deductibles. The comparisons below can help you understand the premium difference when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Kia Sedona insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $342 $472 $376 $22 $112 $1,349 $112
Sedona LX $342 $576 $376 $22 $112 $1,453 $121
Sedona EX $386 $576 $376 $22 $112 $1,497 $125
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Kia Sedona insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $210 $298 $376 $22 $112 $1,018 $85
Sedona LX $210 $362 $376 $22 $112 $1,082 $90
Sedona EX $238 $362 $376 $22 $112 $1,110 $93
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can impact coverage rates greatly.

Based on these figures, using a $250 deductible would cost the average driver about $30 more each month or $360 annually averaged for all Sedona models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 25 months between claim filings, you would probably save some money by going with a higher deductible.

The diagram below demonstrates how deductibles and can increase or decrease Kia Sedona premium costs for each different age group. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.

Safe drivers pay cheaper rates

The illustration below shows how violations and fender-benders can affect Kia Sedona premium costs for different insured age categories. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Decisions You Make Can Impact Your Insurance Costs

Many things are used when quoting car insurance. Some of the criteria are obvious such as your driving history, but other criteria are less obvious such as your marital status or how safe your car is.

Listed below are some of the most rate-impacting factors companies use to determine prices.

Is you job costing you more? – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as fire fighters, police officers, and medical professionals generally have the highest rates due to intense work requirements and incredibly demanding work hours. Other jobs such as professors, engineers and homemakers generally pay rates lower than average.

Always keep your auto insurance policy in force – Allowing your auto insurance policy to lapse can be a guaranteed way to increase your auto insurance rates. In addition to paying higher rates, getting caught without coverage could result in a hefty fine and possibly a revoked license.

What are your comp and collision deductibles? – Comprehensive and collision coverage deductibles represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. A few examples of covered claims would be collision with another vehicle, vandalism, and damage caused by road hazards. The more you’re willing to pay, the less your auto insurance will be.

Lower rates with a multi-policy discount – Most major insurers provide discounts for people who consolidate policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to shop around to confirm you are receiving the best rates possible.There is a good possibility that you can save even more by buying from different companies

Kia Sedona claim statistics – Auto insurance companies include the past claim trends for vehicles to determine a price that will be profitable for them. Vehicles that are shown to have increased claim numbers or amounts will cost more for specific coverages. The next table illustrates the actual insurance loss data for Kia Sedona vehicles.

For each coverage type, the claim amount for all vehicles, as a total average, equals 100. Values that are 100 or less indicate a favorable loss history, while percentage values above 100 point to more losses or a tendency for claims to be larger.

Kia Sedona Insurance Loss Statistics
Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Chula Vista, maintaining insurance is not optional due to several reasons.

The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $825 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Which car insurance company is best in Chula Vista?

Ending up with a highly-rated car insurance company can be a challenge considering how many choices there are in California. The information in the next section may help you choose which car insurance companies you want to consider shopping prices with.

Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family