Kia Sedona Insurance Quotes in Plano

If you want to find the absolute lowest rates, then the best way to get discount car insurance rates in Plano is to compare quotes annually from different companies in Texas.

  1. Try to understand auto insurance and the measures you can control to keep rates in check. Many rating factors that cause high rates like inattentive driving and poor credit history can be eliminated by making minor changes in your lifestyle.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies.
  3. Compare the new rates to your current policy premium and see if you can save money. If you find a better price, verify that coverage does not lapse between policies.

The most important part of shopping around is to try to use identical coverages on each quote request and and to get quotes from as many companies as possible. This ensures a fair price comparison and a good representation of prices.

Insurance quote for Kia Sedona in PlanoIt’s well known that auto insurance companies don’t want you quoting rates from other companies. Drivers who get price quotes annually will presumably buy a new policy because there is a great chance of finding coverage at a cheaper rate. A study showed that drivers who compared price quotes annually saved approximately $3,400 over four years compared to those who never compared rates.

If finding the best rates on Kia Sedona insurance is your target objective, knowing how to quote and compare insurance can save time and money.

The following companies are ready to provide comparison quotes in Texas. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

You may qualify for discounts for Kia Sedona insurance in Plano

Not many people think insurance is cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but some need to be requested specifically prior to receiving the credit.Cheaper car insurance with discounts

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

The information below illustrates the difference between Kia Sedona car insurance rates with and without policy discounts. The premiums assume a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.

To view insurers with the best Kia Sedona insurance discounts in Plano in Texas, click this link.

Kia Sedona insurance analysis

The coverage table shown below outlines estimates of insurance premium costs for Kia Sedona models. Having a good understanding how rate quotes are formulated can help you make informed purchases.

Kia Sedona Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $364 $598 $438 $26 $130 $1,556 $130
Sedona LX $364 $728 $438 $26 $130 $1,686 $141
Sedona EX $410 $728 $438 $26 $130 $1,732 $144
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase prices substantially.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Kia Sedona insurance prices with full physical damage coverage compared to only buying liability only. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

When to stop paying for full coverage

There is no set guideline of when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Kia Sedona replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Why Smart Buyers Pay Less for Kia Sedona Insurance

Many things are used when pricing auto insurance. Some are pretty understandable such as your driving record, although some other factors are not as apparent such as whether you are married and annual miles driven.

Buying insurance from Plano insurance agencies

Many drivers would prefer to visit with an insurance agent and often times that is recommended Professional insurance agents can help you choose the best coverages and help you file claims. A nice benefit of comparing rates online is that drivers can save money and get cheap rate quotes and still buy from a local agent.

By using this short form, the quote information is sent to participating agents in Plano that can give you free Plano auto insurance quotes for your insurance coverage. You won’t need to find an agent due to the fact that quote results will go straight to your inbox. If you have a need to compare prices from a specific insurance provider, you would need to search and find their rate quote page to submit a rate quote request.

Finding the right insurance company should include more criteria than just a low price. Agents should be asked these questions:

What type of Plano car insurance agent is right for you?

If you prefer to buy insurance from a good Plano insurance agent, you need to know there are two different types of agents and how they differ in how they quote coverages. Agents can either be independent agents or exclusive agents. Either one can properly insure your vehicles, but it’s worth learning the difference in how they write coverage since it can impact the selection process.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point.

Listed below is a list of exclusive insurance agencies in Plano willing to provide price quotes.

3020 Legacy Dr #190Plano, TX 75023(972) 208-3705View Map

10185 Custer Rd #100Plano, TX 75025(972) 517-8859View Map

1301 Custer Rd #340Plano, TX 75075(972) 309-0009View Map

View more Plano agents

Independent Agencies or Brokers

Independent agents are not locked into one company so as a result can place your coverage with any number of different companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company and you can keep the same agent. When comparing insurance rates, we recommend you get several quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below are independent insurance agents in Plano who can help you get price quote information.

2817 Regal Rd # 101Plano, TX 75075(972) 596-5866View Map

6305 Preston Rd Suite 1000Plano, TX 75024(972) 473-4813View Map

2770 Main St #104Frisco, TX 75033(972) 380-6677View Map

View more Plano agents

Cheap insurance rates are possible

We just presented a lot of information how to save on Kia Sedona insurance in Plano. The most important thing to understand is the more times you quote, the better likelihood of getting affordable Kia Sedona insurance quotes. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Discount Kia Sedona insurance in Plano is available from both online companies as well as from insurance agents, so get free Plano auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not have online quoting and usually these small, regional companies only sell through local independent agencies.

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