Cheap Kia Sedona Insurance in New Orleans

To save the most money, the best way to get low-cost Kia Sedona insurance in New Orleans is to regularly compare quotes from insurance carriers in Louisiana.

A key point to remember is to compare identical coverages on every price quote and and to analyze as many auto insurance providers as possible. Doing this enables the most accurate price comparison and a complete rate analysis.

Discount Kia Sedona insuranceUnbelievably, nearly 70% of drivers kept buying from the same company for well over three years, and just short of a majority have never compared rates to find lower-cost insurance. Many drivers in Louisiana could save themselves up to $900 a year by just comparing rate quotes, but they don’t believe the benefits if they swap their current policy for a cheaper one.

Pricing the lowest-priced protection in New Orleans is actually quite simple. Just about every person who wants cheaper auto insurance stands a good chance to be able to save money. Although Louisiana consumers must understand the way companies calculate their prices and take advantage of how the system works.

The best way we recommend to compare car insurance rates for Kia Sedona insurance in New Orleans is to know the trick most larger insurance companies will pay a fee to give rate comparisons. The one thing you need to do is provide information including whether your vehicle is owned or leased, if a SR-22 is required, your job, and driver ages. The data gets sent immediately to multiple companies and you will receive price estimates within a short period of time.

To check Kia Sedona insurance prices now, click here and complete the form.

The companies shown below can provide free rate quotes in New Orleans, LA. To buy the best car insurance in Louisiana, we suggest you get rate quotes from several of them to get a more complete price comparison.

Rates and other information

The table displayed next covers detailed analysis of coverage prices for Kia Sedona models. Having a good understanding how insurance premiums are formulated is important to be able to make decisions when shopping around.

Kia Sedona Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $344 $562 $514 $30 $154 $1,604 $134
Sedona LX $344 $684 $514 $30 $154 $1,726 $144
Sedona EX $388 $684 $514 $30 $154 $1,770 $148
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific location information which can modify rates significantly.

Deductible analysis

One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The rates below illustrate the cost difference of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Kia Sedona insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $358 $498 $394 $24 $118 $1,417 $118
Sedona LX $358 $604 $394 $24 $118 $1,523 $127
Sedona EX $406 $604 $394 $24 $118 $1,571 $131
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Kia Sedona insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $222 $312 $394 $24 $118 $1,070 $89
Sedona LX $222 $380 $394 $24 $118 $1,138 $95
Sedona EX $250 $380 $394 $24 $118 $1,166 $97
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in zip code location which can revise coverage rates considerably.

Based on these figures, using a $250 deductible costs an average of $31 more each month or $372 each year across all Kia Sedona models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 24 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

The chart below demonstrates how deductibles and can raise or lower Kia Sedona yearly insurance costs for different insured age categories. The data is based on a single female driver, full coverage, and no other discounts are factored in.

Impact of violations and accidents on rates

The information below highlights how speeding tickets and at-fault collisions can impact Kia Sedona premium costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The diagram below compares Kia Sedona car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Louisiana. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no clear-cut rule to delete physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Kia Sedona claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying the physical damage deductible. If you are paying more than $800 annually to have full coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Here’s why car insurance is not optional

Even though New Orleans Sedona insurance rates can get expensive, paying for car insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays as much as $850 per year so we recommend shopping around every year to ensure rates are inline.

What Determines Kia Sedona Insurance Costs?

Lots of things are considered when you get a price on insurance. Most are fairly basic like your driving record, but others are less apparent like your vehicle usage and annual miles driven. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that are used to determine your premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The itemized list below are some of the items utilized by car insurance companies to help set your rates.

Choose high safety ratings and save – Safer cars get lower rates. Highly rated vehicles reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If the Kia Sedona earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Which gender costs less? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Females and males tend to get into at-fault accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also statistically have more aggressive citations like driving under the influence (DUI). Young males are most likely to cause an accident and therefore are the most expensive to insure.

The information below shows the difference between Kia Sedona insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied.

Extra policy coverages that may not be needed – Policies have extra add-on coverages that may not really be needed if you aren’t careful. Coverages like replacement cost coverage, accidental death, and term life insurance are some examples. The coverages may be enticing initially, but if you don’t need them remove them from your policy.

Do thieves like your car? – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.

Drive lots and pay more – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Most insurance companies charge rates determined by how the vehicle is used. Cars used primarily for pleasure use cost less to insure compared to those used for work or business. A policy that improperly rates your Sedona is throwing money out the window. It’s always a good idea to double check that your insurance declarations sheet states the proper vehicle usage, because it can save money.

Youthful drivers pay higher prices – More mature drivers are viewed as being more responsible, file fewer claims, and receive fewer citations. Beginning drivers are proven to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Kia Sedona claim statistics – Companies include the past claim trends for vehicles to help calculate premium prices. Vehicles that the data shows to have higher claim frequency or loss amount will have a higher cost to insure. The next table shows the compiled insurance loss statistics for Kia Sedona vehicles.

For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, equals 100. Values under 100 indicate better than average losses, while values over 100 point to more frequent losses or tendency to have larger claims.

Kia Sedona Insurance Claim Statistics
Vehicle Make and 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need special coverages?

When it comes to proper insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.Safe vehicles cost less to insure

Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

What is the best car insurance company in Louisiana?

Finding a good quality car insurance provider can be rather challenging considering how many choices drivers have in New Orleans. The company rank data in the next section can help you analyze which car insurance companies to look at to insure your vehicles.

Best Car Insurance Companies in New Orleans
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Cheap insurance rates are out there

We just presented many ways to get a better price on Kia Sedona insurance in New Orleans. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable New Orleans car insurance quotes. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier.

Low-cost Kia Sedona insurance in New Orleans is available on the web and with local New Orleans insurance agents, so you should compare both to have the best selection. A few companies may not provide online quoting and many times these regional insurance providers provide coverage only through independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at a price you can afford while still protecting your assets.

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