The preferred way to get more affordable Kia Sedona insurance in Bakersfield is to compare prices at least once a year from insurance carriers in California. Price quotes can be compared by following these guidelines.
- It will benefit you to learn about how companies price auto insurance and the measures you can take to prevent rate increases. Many rating criteria that result in higher rates like traffic tickets, fender benders, and poor credit rating can be rectified by making lifestyle changes or driving safer.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
- Compare the price quotes to your existing policy to see if cheaper Sedona coverage is available. If you find better rates, verify that coverage does not lapse between policies.
- Provide written notification to your current company to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. Be sure to place the new certificate of insurance in an easily accessible location.
The most important part of shopping around is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote request and and to get rate quotes from as many companies as possible. Doing this provides an accurate price comparison and a complete selection of prices.
It goes without saying that car insurance companies want to keep you from shopping around. Drivers who shop around for the cheapest price are highly likely to buy a new policy because there is a good chance of finding better rates. Remarkably, a study showed that consumers who made a habit of comparing rates saved as much as $3,500 over four years compared to people who never shopped around for better prices.
If finding the best price on Kia Sedona insurance in Bakersfield is the reason you’re reading this, then learning a little about how to get rate quotes and compare cheaper coverage can save money and time.
The quickest method to compare rates for Kia Sedona insurance in Bakersfield is to take advantage of the fact car insurance companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is provide details such as if the vehicle is leased, if it has an anti-theft system, if you are currently licensed, and daily mileage. The rating information is then submitted to many of the top insurers and you get price estimates immediately.
To compare lower-cost Kia Sedona insurance rates now, click here and find out if lower rates are available in Bakersfield.
The providers in the list below are our best choices to provide quotes in California. If the list has multiple companies, we suggest you get price quotes from several of them to get the best price comparison.
Kia Sedona insurance rates and statistics
The rate information below outlines estimates of insurance coverage prices for Kia Sedona models. Having a good understanding how prices are formulated can help guide drivers when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $434 | $564 | $492 | $30 | $148 | $1,668 | $139 |
| Sedona LX | $434 | $686 | $492 | $30 | $148 | $1,790 | $149 |
| Sedona EX | $490 | $686 | $492 | $30 | $148 | $1,846 | $154 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower rates considerably.
Comparison of policy deductibles
When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The rates shown below can help show the differences in premium rates when you select higher and lower insurance deductibles. The first pricing table uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Sedona LX | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Sedona EX | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Sedona LX | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Sedona EX | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in vehicle garaging location which can impact coverage rates noticeably.
Based on the data above, we can derive that using a $100 deductible costs an average of $28 more each month or $336 each year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would most likely save money if you opt for a higher deductible.
The illustration below shows how choosing a deductible and can increase or decrease Kia Sedona premium costs for different insured age categories. The prices are based on a married female driver, comp and collision included, and no other discounts are factored in.
Rate increases following a ticket or accident
The example below highlights how traffic violations and accidents can affect Kia Sedona yearly insurance costs for different age categories. The data is based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Liability only or full coverage
The diagram below compares Kia Sedona insurance prices with full coverage compared to only the California minimum liability coverage. The price estimates are based on no violations or accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no definitive formula to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Kia Sedona settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after you pay the deductible. If you are paying over $800 annually for full coverage, then it could be time to drop full coverage.
There are a few cases where removing full coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
It may be expensive, but it’s not optional
Despite the fact that insurance is not cheap in Bakersfield, buying insurance serves a purpose in several ways.
- Most states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Kia has a loan, most banks will require that you carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Kia at a much higher rate and force you to reimburse them the higher premium.
- Insurance preserves not only your Kia Sedona but also your assets. Insurance will pay for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. Unknowingly, the average driver overpays more than $800 each year so it’s recommended you shop around at every renewal to help ensure money is not being wasted.
Situations that may require an agent’s advice
Always keep in mind that when comparing coverage online or from an agent, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight if you might need professional guidance.
- Is my Kia Sedona covered if I use it for business?
- When does my teenage driver need to be added to my policy?
- Is my ex-spouse still covered by my policy?
- Do I need PIP coverage since I have good health insurance?
- I have health insurance so do I need medical payments coverage?
- Is extra glass coverage worth it?
- Why am I required to buy liability insurance?
- Do all my vehicles need collision coverage?
- Do I have coverage when making deliveries for my home business?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Auto insurance 101
Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive protection
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Kia Sedona.
Because many people only carry the minimum required liability limits (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Auto liability insurance
Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability can pay for claims such as funeral expenses, court costs and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but drivers should carry better liability coverage.
The illustration below demonstrates why low liability limits may not be adequate coverage.
Medical expense coverage
Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, ambulance fees and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Collision coverage
This pays for damage to your Sedona resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for things like hitting a parking meter, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible on your Sedona to bring the cost down.
Final considerations
Budget-conscious Kia Sedona insurance can be sourced from both online companies as well as from independent agents in Bakersfield, so get free Bakersfield auto insurance quotes from both of them in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and many times these smaller providers work with independent agents.
Drivers leave their current company for a number of reasons such as high prices, unfair underwriting practices, not issuing a premium refund and lack of trust in their agent. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
In this article, we presented quite a bit of information on how to get a better price on Kia Sedona insurance in Bakersfield. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with a smaller regional carrier.
To read more, link through to these articles:
- Senior Drivers (Insurance Information Institute)
- How Much are Car Insurance Rates for 17 Year Olds in Bakersfield? (FAQ)
- How Much is Bakersfield Auto Insurance for a GMC Sierra? (FAQ)
- How Much are Car Insurance Quotes for Retired Military in Bakersfield? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)