Are you looking for a better way to compare more competitive Kia Sedona insurance in Milwaukee? Shopping for lower priced Milwaukee Kia Sedona insurance quotes may seem to be challenging for consumers new to buying their car insurance on the web. With literally dozens of online companies available, how can anyone possibly compare them all to find cheaper car insurance prices?
Shockingly, over 70% of consumers have been with the same company for a minimum of four years, and virtually 40% of consumers have never shopped around. Drivers in Wisconsin could save as much as $370 a year just by shopping around, but most just don’t grasp the amount of savings they would get if they moved their coverage to a different company.
Locating the most cost-effective insurance policy in Milwaukee is really quite simple as long as you have a good starting point. If you have insurance now, you stand a good chance to be able to cut your premiums using the concepts you’re about to learn. But Wisconsin vehicle owners should learn how big insurance companies market insurance on the web because it varies considerably.
Save money with these discounts
Car insurance can cost a lot, but you might be missing out on some discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time you complete a quote, but some must be asked for before you will receive the discount.
- Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
- Anti-lock Brakes – Cars and trucks with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
- Military Discounts – Being on active deployment in the military may qualify for rate reductions.
- Cautious Driver Discount – Insureds who avoid accidents may save up to 50% more than less cautious drivers.
- Multiple Vehicles – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
- Early Signing – Some insurance companies give discounts for signing up before your current expiration date. This can save 10% or more.
- E-sign Discounts – A handful of insurance companies will discount your bill up to fifty bucks get Milwaukee car insurance on the internet.
- No Accidents – Insureds with no claims or accidents can save substantially as compared to drivers with a long claim history.
- Smart Student Discounts – A discount for being a good student may save as much as 25% on a Milwaukee car insurance quote. You can use this discount normally well after school through age 25.
- Telematics Discount – Drivers who elect to allow their insurance company to monitor where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
Please keep in mind that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.
If you would like to see a list of insurers offering insurance discounts in Wisconsin, click here to view.
It’s important to know that comparing more quotes increases the chance that you will find the best offered rates.
The companies in the list below are ready to provide price comparisons in Milwaukee, WI. If the list has multiple companies, it’s highly recommended you click on several of them to find the lowest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $192 | $288 | $200 | $12 | $60 | $752 | $63 |
| Sedona LX | $198 | $368 | $264 | $16 | $78 | $924 | $77 |
| Sedona EX | $180 | $298 | $264 | $16 | $78 | $836 | $70 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location which can raise or lower premium rates greatly.
Should you buy full coverage?
The diagram below illustrates the difference between Kia Sedona insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. The rate quotes are based on no claims, a clean driving record, $500 deductibles, single male driver, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Kia Sedona replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your deductible. If you are paying over $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
What Affects Kia Sedona Insurance Prices?
Multiple criteria are considered when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are more transparent such as your credit history or how financially stable you are. Consumers need to have an understanding of a few of the rating criteria that help determine insurance rates. When you know what positively or negatively determines premiums, this enables informed choices that could result in lower premium levels.
- What type of car do you drive? – The type of car or truck you need to insure makes a huge difference in how high your rates are. The lowest rates tend to be for low performance passenger cars, but the final cost of insurance is determined by many other factors. Because the Kia Sedona falls in the van and minivan class, insurance will be similar in price compared to average rates in Milwaukee.
- Drive less and get lower costs – The more you drive in a year the more it will cost to insure it. The majority of insurers apply a rate based upon how much you drive. Cars and trucks not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. Improper usage on your Sedona may be costing you. It’s a smart idea to ensure your insurance coverage states annual mileage, because it can save money.
- Are females or males drivers cheaper? – Statistics show females are less aggressive when driving. The data does not necessarily mean that women are BETTER drivers than men. They both are responsible for fender benders at a similar rate, but the males tend to have more serious accidents. Men also receive more costly citations such as reckless driving.
- Avoid unnecessary add-on coverages – Policies have optional add-on coverages that can waste your money if you aren’t diligent. Coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
- Your employer and insurance rates – Jobs like lawyers, architects and accountants generally have higher average rates due to job stress and long work hours. On the flip side, careers like farmers, engineers and retirees pay the least.
- Rural areas have lower premiums – Being located in less populated areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. Urban drivers regularly have congested traffic and a longer drive to work. More time on the road statistically corresponds to a higher accident and claim rate.
- Small claims can cost you – If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance companies in Wisconsin generally give lower rates to insureds that do not abuse their auto insurance. Insurance coverage is designed for the large, substantial claims.
- Insurance losses for a Kia Sedona – Insurers analyze claim trends for every vehicle in order to profitably underwrite each model. Vehicles that are shown to have higher prevalence or dollar amount of losses will have a higher cost to insure. The table below outlines the compiled insurance loss statistics for Kia Sedona vehicles.
For each insurance policy coverage type, the claim amount for all vehicles combined as an average is equal to 100. Values under 100 indicate better than average losses, while percentage values above 100 point to more claims or an increased likelihood of larger losses.
Insurance Loss Ratings for Kia Sedona Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Kia Sedona 102 64 96 116 Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I just need basic coverages?
When buying proper insurance coverage, there is no single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.
- When would I need rental car insurance?
- Should I buy additional glass protection?
- Can I cancel at any time?
- Does car insurance cover theft of personal property?
- Does my policy cover me if I wreck while driving under the influence?
- When should I drop full coverage on my Kia Sedona?
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
When to get advice from a local insurance agent
Some people still prefer to go talk to an agent and often times that is recommended An additional benefit of price shopping on the web is that you can find cheap insurance rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to insurance agents in Milwaukee who will gladly provide quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies due to the fact that quote results will go straight to your inbox. You’ll get the best rates without having to waste a lot of time. If you have a need to compare prices from a specific company, you just need to find their quoting web page and fill out their quote form.
Picking the best provider should depend on more than just a cheap price. Here are some questions to ask:
- How much can you save by raising your physical damage deductibles?
- How much training do they have in personal risk management?
- What insurance companies do they work with in Milwaukee?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they have designations such as AIC, CPCU, or CIC?
- What will you get paid if your car is a total loss? How is that amount determined?
Why you need insurance
Despite the fact that insurance is not cheap in Milwaukee, paying for insurance is required in Wisconsin but also provides important benefits.
First, almost all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability protection if you want to drive legally. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Sedona, most lenders will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Kia for a lot more money and make you pay the higher price.
Third, insurance protects both your Kia Sedona and your assets. Insurance will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage.
The benefits of having insurance outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer overpays more than $700 annually so you should quote rates once a year at a minimum to make sure the price is not too high.
Smart shoppers get results
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
We just showed you a lot of tips how to get a better price on Kia Sedona insurance in Milwaukee. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Kia Sedona insurance quotes. Drivers may even discover the lowest premium rates are with the smaller companies.
Insureds change insurance companies for any number of reasons including high rates after DUI convictions, unfair underwriting practices, not issuing a premium refund or poor customer service. It doesn’t matter what your reason, finding a new company can be pretty painless.
For more information, link through to the articles below:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Felons in Milwaukee? (FAQ)
- Who Has Cheap Car Insurance for Drivers Under 25 in Milwaukee? (FAQ)
- How Much is Milwaukee Auto Insurance for Police Officers? (FAQ)
- How Much are Car Insurance Quotes for a Toyota Camry in Milwaukee? (FAQ)
- Who Has Cheap Milwaukee Auto Insurance Rates for Veterans? (FAQ)
- Who Has the Cheapest Milwaukee Car Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Seniors in Milwaukee? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Active Military in Milwaukee? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- What does Personal Injury Protection (PIP) Cover? (Allstate)