Truthfully, the best way to find cheaper quotes for auto insurance rates is to compare quotes once a year from insurance carriers who can sell car insurance in Cincinnati. This can be done by following these guidelines.
Step 1: Get a basic knowledge of how companies price auto insurance and the factors you can control to prevent expensive coverage. Many things that drive up the price such as traffic tickets, fender benders, and a not-so-good credit history can be amended by making minor changes to your lifestyle. Later in this article we will cover ideas to prevent high rates and get discounts that may be overlooked.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple companies.
Step 3: Compare the new rates to the premium of your current policy and see if you can save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
Step 4: Give notification to your current company to cancel your current coverage. Submit payment and a signed application to the new company. Once the application is submitted, put the certificate verifying coverage with your registration paperwork.
One important bit of advice is to use identical deductibles and limits on each price quote and and to get quotes from every company you can. Doing this helps ensure an apples-to-apples comparison and a better comparison of the market.
It’s well known that auto insurance companies don’t want their customers to go rate shopping. Drivers who compare rates at least once a year are highly likely to buy a new policy because of the high probability of finding lower prices. A recent study showed that people who did price comparisons regularly saved approximately $865 a year compared to other drivers who didn’t regularly shop around.
If finding the cheapest rates on Kia Sedona insurance is your objective, then having a grasp of the best way to quote and compare auto insurance can help make the process easier.
When looking for the cheapest Kia Sedona rate quotes, there are a couple ways of comparing price quotes from different Cincinnati insurance companies. The simplest method to compare Kia Sedona insurance prices is to use the internet to compare rates. When comparison shopping, comparing a wide range of rates helps you find the best rates. Not every company provides rate quotes online, so you need to compare price estimates from them as well.
The following companies have been selected to offer price quotes in Cincinnati, OH. If you wish to find cheap car insurance in Ohio, we suggest you visit several of them to get the best price comparison.
Rates and information analytics
The information shown next showcases different insurance costs for Kia Sedona models. Understanding more about how insurance policy rates are established can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $168 | $284 | $202 | $12 | $60 | $726 | $61 |
| Sedona LX | $168 | $346 | $202 | $12 | $60 | $788 | $66 |
| Sedona EX | $190 | $346 | $202 | $12 | $60 | $810 | $68 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific Cincinnati garaging location which can modify coverage prices substantially.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The data tables below illustrate the differences in premium rates between low and high insurance deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $176 | $242 | $192 | $12 | $58 | $705 | $59 |
| Sedona LX | $176 | $296 | $192 | $12 | $58 | $759 | $63 |
| Sedona EX | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $142 | $196 | $192 | $12 | $58 | $600 | $50 |
| Sedona LX | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| Sedona EX | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific Cincinnati garaging location which can alter insurance rates considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $9 more each month or $108 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 28 months between claims, you would most likely save money by selecting a higher deductible. The numbers below show a better example of how this decision is made.
| Average monthly premium for $250 deductibles: | $62 |
| Average monthly premium for $500 deductibles (subtract): | – $53 |
| Monthly savings from raising deductible: | $9 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $9 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
An important sidenote is that raising deductibles to get cheaper rates means you pay more out-of-pocket at claim time. You will want to have enough extra money in order to pay more for the deductible.
The chart below illustrates how choosing a deductible and can affect Kia Sedona premium costs for each different age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Impact of violations and accidents on rates
The chart below highlights how traffic violations and accident claims drive up Kia Sedona car insurance rates for different categories of driver ages. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Yearly auto insurance costs for men versus women
The illustration below illustrates the comparison of Kia Sedona car insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.
Everyone needs different auto insurance coverages
Keep in mind that when it comes to choosing coverage, there really isn’t a “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining if you will benefit from professional help.
- When should I not file a claim?
- What happens if I owe more than my Kia Sedona is worth?
- Which companies will insure me after a DUI?
- Can I get by with minimal medical coverage if I have good health insurance?
- Can I rate high risk drivers on liability-only vehicles?
- Can I afford low physical damage deductibles?
- Does my policy cover me if I wreck while driving under the influence?
- Is business property covered if stolen from my car?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.
Independent versus exclusive auto insurance agents
A small number of people just want to buy from a licensed agent and that is a smart decision A nice benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still buy from a local agent. Buying from local agencies is definitely important in Cincinnati.
After filling out this short form, your information is submitted to insurance agents in Cincinnati who will give you quotes for your business. You never need to find an agent on your own as quotes are delivered to your email. Get lower rates AND a local agent. If you want to get a comparison quote from a specific car insurance provider, don’t hesitate to visit that company’s website to submit a rate quote request.
The following is a short list of auto insurance companies in Cincinnati that can give you price quotes for Kia Sedona insurance in Cincinnati.
- Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292 – View Map - Dillhoff Insurance
120 E 4th St # 1000 – Cincinnati, OH 45202 – (513) 621-2020 – View Map - Dabbelt Insurance LLC
5932 Glenway Ave – Cincinnati, OH 45238 – (513) 451-8050 – View Map - American Family Insurance – Barbara Hall
4010 N Bend Rd Ste 300 – Cincinnati, OH 45211 – (513) 347-9492 – View Map
Picking an insurer requires you to look at more than just a cheap price quote. Any agent in Cincinnati should be willing to answer these questions.
- Which company do they place the most coverage with?
- How many years of experience in personal auto insurance do they have?
- Where would glass claims be handled in Cincinnati?
- Will the agent help in case of a claim?
- Which insurance companies are they affiliated with?
- Does the agency have a good rating with the Better Business Bureau?
- How many years have they been established?