Cheap Insurance for a Kia Sedona in Virginia Beach

Insurance quote for Kia Sedona in Virginia BeachAnyone knows that car insurance companies don’t want you to look for a cheaper policy. People who shop around once a year will most likely buy a new policy because there is a good chance of finding more affordable rates. A recent survey discovered that people who shopped around annually saved about $70 a month compared to people who didn’t regularly shop around.

If saving the most money on insurance in Virginia Beach is your ultimate objective, learning how to choose a company and compare auto insurance can make it simple to find affordable coverage.

To save the most money, the best way to get the cheapest auto insurance rates in Virginia Beach is to do an annual price comparison from providers in Virginia.

  1. It will benefit you to learn about the coverage provided by your policy and the changes you can make to prevent rate increases. Many things that increase rates like at-fault accidents, careless driving, and a negative credit score can be rectified by being financially responsible and driving safely. Keep reading for more details to get better rates and get bigger discounts that may have been overlooked.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from many different companies.
  3. Compare the quotes to your existing coverage and see if you can save money. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

One piece of advice is that you use the same amount of coverage on each price quote and and to get prices from as many carriers as you can. This helps ensure the most accurate price comparison and plenty of rates choose from.

If you have a current car insurance policy, you stand a good chance to be able to reduce premiums using these techniques. Locating the most cost-effective car insurance policy in Virginia Beach can initially seem challenging. Although Virginia vehicle owners should learn the way insurance companies determine prices because it varies considerably.

Auto insurance providers offering cheap rates in Virginia

The providers in the list below are ready to provide free rate quotes in Virginia. If multiple companies are listed, we suggest you click on several of them to find the most competitive auto insurance rates.

Kia Sedona insurance rates and statistics

The premium information displayed below covers different policy rates for Kia Sedona models. Being more informed about how insurance quotes are determined can help drivers make informed decisions when comparing rate quotes.

Kia Sedona Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $122 $174 $218 $12 $66 $592 $49
Sedona LX $122 $210 $218 $12 $66 $628 $52
Sedona EX $138 $210 $218 $12 $66 $644 $54
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can modify prices significantly.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The rates below lay out how much more you’ll pay between high and low deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Kia Sedona insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $222 $328 $218 $12 $66 $871 $73
Sedona LX $222 $400 $218 $12 $66 $943 $79
Sedona EX $250 $400 $218 $12 $66 $971 $81
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Kia Sedona insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $162 $222 $218 $12 $66 $680 $57
Sedona LX $162 $270 $218 $12 $66 $728 $61
Sedona EX $182 $270 $218 $12 $66 $748 $62
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $18 more each month or $216 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 22 months between claims, you would save more money if you choose a higher deductible.

Male drivers compared to female drivers in Virginia Beach

The chart below illustrates the comparison of Kia Sedona insurance prices for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

How Your Sedona Insurance Premiums are Determined

Consumers need to have an understanding of the factors that help determine your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that can help you get better auto insurance rates. Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage and annual miles driven.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

Tickets cost more than a fine – Having a clean driving record has a huge affect on how much you pay. Only having one speeding ticket can increase rates substantially. Careful drivers get better prices than their less careful counterparts. Drivers who have received careless violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.

The information below illustrates how violations and fender-benders can influence Kia Sedona insurance costs for different ages of insureds. The data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Save money by having multiple policies – Most companies afford better rates to people who have multiple policies with them in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, you still need to get quotes from other companies to guarantee you are still saving the most. It’s possible to still find lower rates by buying auto insurance from a different company.

When should you not file claims? – Car insurance companies in Virginia award better rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of more catastrophic claims.

Vehicle risk impacts prices – The type of vehicle you need to insure makes a big difference in your auto insurance rates. The most favorable rates are usually for small economy passenger cars, but the cost you end up paying is determined by many additional factors.

The following data uses these assumptions: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Kia Sedona rates compared to other makes and models that have different performances.

No coverage gaps is important – Driving with no insurance is a big no-no and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will your rates increase, getting caught without coverage can result in fines and jail time.

Kia Sedona statistical loss data – Car insurance companies take into consideration historical loss data for every vehicle to determine a price that will be profitable for them. Models that historically have higher number or severity of losses will have a higher premium rate. The next table illustrates the historical insurance loss data for Kia Sedona vehicles.

For each insurance policy coverage type, the claim amount for all vehicles as a whole equals 100. Percentage numbers below 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Kia Sedona Vehicles
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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Affordable Kia Sedona insurance in Virginia Beach

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known savings tricks you should be using when you buy Virginia Beach car insurance online.Cheaper car insurance with discounts

As a footnote on discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

The illustration below visualizes the comparison of Kia Sedona car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving citations, Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, homeowner, and multi-car discounts applied.

Companies and a selection of discounts are:

Before purchasing a policy, check with every company the best way to save money. Some of the earlier mentioned discounts may not apply to policies everywhere. If you would like to choose from a list of insurers who offer cheap Kia Sedona insurance quotes in Virginia, follow this link.

Local Virginia Beach car insurance agents

Certain consumers prefer to visit with an insurance agent and that is a personal choice. A good thing about price shopping on the web is that drivers can save money and get lower rates and still choose a local agent.

To find an agent, once you fill out this quick form, your insurance coverage information gets sent to insurance agents in Virginia Beach that give free quotes for your coverage. There is no need to visit any agencies as quotes are delivered to you instantly. You can find lower rates without a big time investment. In the event you want to compare rates from a specific company, feel free to jump over to their website and complete a quote there.

Finding a good insurer requires you to look at more than just a low price. These are some valid questions you should ask.

If you are searching for a local Virginia Beach insurance agency, it helps to know the two types of agencies and how they work. Agents in Virginia Beach are classified as either independent or exclusive.

Exclusive Insurance Agents

Exclusive agencies can only place business with one company and some examples include Farmers Insurance and State Farm. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Below are Virginia Beach exclusive insurance agencies that can give you price quotes.

5660 Indian River Rd #126Virginia Beach, VA 23464(757) 366-0322View Map

5441 Virginia Beach Blvd #115Virginia Beach, VA 23462(757) 499-3411View Map

1485 General Booth Blvd ste. 114Virginia Beach, VA 23454(757) 499-0559View Map

More Virginia Beach agents

Independent Agencies or Brokers

Agents in the independent channel do not write with just one company and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. When comparing car insurance prices, you will want to include at least one independent agent to get the best comparison.

The following are Virginia Beach independent agents who can help you get price quotes.

3213 Virginia Beach BlvdVirginia Beach, VA 23452(757) 340-0028View Map

921 First Colonial Road #1703Virginia Beach, VA 23454(757) 481-9105View Map

1501 Cornwell LnVirginia Beach, VA 23454(757) 340-0028View Map

More Virginia Beach agents

If you get good answers to your questions and an affordable coverage quote, you’ve probably found an insurance agency that will insure your vehicles. But keep in mind it’s your policy and you can cancel your coverage for any reason so don’t assume that you are permanently stuck with any particular company for a certain time period.

Ratings for Virginia Beach car insurance companies

Ending up with a highly-rated company is difficult considering how many different insurance companies sell coverage in Virginia. The rank data in the lists below may help you analyze which providers you want to consider buying from.

Best Car Insurance Companies in Virginia Beach
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
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

When in doubt talk to an agent

Always remember that when buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.Drive safe and save

For example, these questions could help you determine if your insurance needs could use an agent’s help.

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Don’t give up on affordable rates

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where an insured dropped full coverage only to find out that it was a big error on their part. The goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, delays in paying claims or even lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

You just learned quite a bit of information on how to reduce Kia Sedona insurance car insurance rates online in Virginia Beach. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced insurance comes from the least-expected company.

More detailed insurance information is available by following these links: