Kia Sedona Insurance Quotes in Omaha

Discount Kia Sedona insuranceIf saving the most money is your goal, then the best way to find cheaper quotes for Kia Sedona insurance is to start comparing prices regularly from different companies in Omaha. You can shop around by following these steps.

First, try to comprehend individual coverages and the things you can change to drop your rates. Many policy risk factors that result in higher prices like at-fault accidents, careless driving, and a less-than-favorable credit score can be eliminated by improving your driving habits or financial responsibility.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies.

Third, compare the new rate quotes to your current policy and determine if cheaper Sedona coverage is available in Omaha. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

An essential thing to point out is to make sure you enter the same deductibles and limits on each quote and and to get price quotes from as many companies as you can. Doing this guarantees a level playing field and the best price selection.

It’s hard to fathom, but the vast majority of insurance customers have purchased from the same company for a minimum of four years, and almost 40% of drivers have never even shopped around for cheap coverage. Nebraska drivers can save roughly 30% each year by just comparing quotes, but they don’t believe the big savings they would realize if they switch to a new company.

Best Kia Sedona insurance rates in Nebraska

The auto insurance companies shown below provide quotes in Nebraska. To locate cheap car insurance in Omaha, NE, it’s a good idea that you get rates from several of them to find the cheapest auto insurance rates.

Auto insurance statistics for a Kia Sedona

The premium information displayed next showcases estimates of insurance policy prices for Kia Sedona models. Learning more about how insurance premiums are established is important for making smart buying decisions.

Kia Sedona Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $124 $198 $288 $18 $86 $714 $60
Sedona LX $124 $240 $288 $18 $86 $756 $63
Sedona EX $138 $240 $288 $18 $86 $770 $64
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific location which can alter rates noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high or low should comp and collision deductibles be. The rates below lay out the rate difference when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Kia Sedona insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $232 $320 $254 $16 $76 $923 $77
Sedona LX $232 $390 $254 $16 $76 $993 $83
Sedona EX $262 $390 $254 $16 $76 $1,023 $85
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Kia Sedona insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $144 $202 $254 $16 $76 $692 $58
Sedona LX $144 $246 $254 $16 $76 $736 $61
Sedona EX $162 $246 $254 $16 $76 $754 $63
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in Omaha location which can modify rates significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $21 more each month or $252 a year across all Kia Sedona models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 36 months between claims, you would most likely save money going with the higher deductible.

The information below highlights how deductible selection and can affect Kia Sedona insurance costs for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

How accidents and violations affect rates

The chart below shows how violations and at-fault accidents influence Kia Sedona auto insurance costs for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Lower-cost Omaha auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but some need to be manually applied before you get the savings.Save money with discounts

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

The chart below shows the comparison of Kia Sedona insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Nebraska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

A partial list of companies that may offer quotes with most of the discounts above include:

Double check with each company to give you their best rates. All car insurance discounts may not be offered in your state. To view companies who offer auto insurance discounts in Omaha, click this link.

Local Omaha insurance agents

A small number of people just want to get professional advice from a licensed agent and we recommend doing that The best thing about getting free rate quotes online is the fact that you can find cheap rate quotes and still choose a local agent.

Insurance agents in OmahaTo help locate an agent, after submitting this short form, your coverage information gets sent to participating agents in Omaha that give free quotes for your insurance coverage. There is no need to contact any insurance agencies since rate quotes are delivered to you instantly. You’ll get the best rates and a licensed agent to talk to. If you need to quote rates from a particular provider, you just need to search and find their rate quote page and submit a quote form there.

Finding a good insurance company requires you to look at more than just a cheap price quote. Any agent in Omaha should be willing to answer these questions.

Below is a list of insurers in Omaha who can help you get price quote information for Kia Sedona insurance in Omaha.

Best Insurance Agency
7300 F StOmaha, NE 68127(402) 331-1515View Map

9785 Q St Ste #4Omaha, NE 68127(402) 593-1899View Map

11909 P St #203Omaha, NE 68137(402) 691-8118View Map

11929 Elm St Suite 11Omaha, NE 68144(402) 552-8700View Map

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Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims like medical expenses, structural damage, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Nebraska requires minimum liability limits of 25/50/25 but you should consider buying higher limits.

The next chart shows why buying minimum limits may not be adequate coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sedona.

Since many Nebraska drivers only carry the minimum required liability limits (25/50/25 in Nebraska), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, EMT expenses, hospital visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, damage from flooding, falling objects, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Sedona caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, backing into a parked car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible on your Sedona to bring the cost down.

How to find a good Nebraska car insurance company

Ending up with a highly-rated car insurance company can be rather challenging considering how many companies there are to choose from in Nebraska. The information below can help you select which companies to look at when comparing rate quotes.

Top Car Insurance Companies in Nebraska
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Final considerations

You just read some good ideas how you can get a better price on Kia Sedona insurance in Omaha. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Omaha auto insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a small mutual company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Cost effective Kia Sedona insurance can be purchased from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide rates over the internet and many times these regional insurance providers sell through local independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The goal is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

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