It takes a little time, but the best way to find better pricing on Kia Sedona insurance in Dallas is to make a habit of comparing prices annually from different companies in Texas.
Step 1: Spend a few minutes and learn about what is in your policy and the things you can change to keep rates low. Many rating criteria that drive up the price like at-fault accidents and poor credit rating can be controlled by making minor driving habit or lifestyle changes.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple sources.
Step 3: Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you can save money and change companies, ensure coverage does not lapse between policies.
One tip to remember is that you’ll want to compare the same amount of coverage on each quote request and and to look at as many companies as you can. Doing this enables an apples-to-apples comparison and the best rate selection.
It’s amazing but the vast majority of consumers renewed their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rate quotes at all. Drivers in America can save nearly $859 each year, but they just don’t understand how easy it is to shop their coverage around.
Most of the larger companies give price estimates direct online. Doing online price comparisons for Kia Sedona insurance in Dallas can be done by anyone as you simply type in the amount of coverage you want into the quote form. After the form is submitted, the quote system collects your driving record and credit report and gives you a price quote based on the data you entered.
This helps simplify price comparisons, and it is imperative to have as many quotes as possible in order to get the most affordable premium on auto insurance.
To find out how much you can save on auto insurance, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. This way, you will have comparison quotes for the exact same coverage.
The companies shown below have been selected to offer comparison quotes in Dallas, TX. If the list has multiple companies, it’s a good idea that you get rates from several of them to get a more complete price comparison.
Verify you’re applying every discount
Some companies do not list all discounts very well, so the following list contains both the well known and the more hidden ways to save on auto insurance.
- Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn better auto insurance rates on cars that stay parked.
- Good Student – Being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
- Dallas Homeowners Pay Less – Being a homeowner can earn you a little savings because it shows financial diligence.
- Life Insurance Discount – Larger insurance carriers have a break if you buy a life insurance policy as well.
- Bundle and Save – When you combine your auto and home insurance with the same insurance company you may save up to 20% off your total Sedona insurance premium.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
As a sidenote, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
The information below illustrates the comparison of Kia Sedona insurance rates with and without discounts applied to the policy rates. The rates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.
To see a list of insurers that can offer you the previously mentioned discounts in Texas, click this link.
Rates and data analysis
The rate information below covers estimates of insurance premium costs for Kia Sedona models. Learning a little about how insurance quotes are formulated can be of help when making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in Dallas location which can increase or decrease premiums substantially.
Cost difference between full coverage and liability
The example below visualizes the comparison of Kia Sedona insurance costs with full coverage and liability only. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.
When to switch to liability coverage only
There is no exact formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Kia Sedona settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your deductible. If premium cost is more than $800 annually to have full coverage, then it could be time to drop full coverage.
There are some circumstances where removing full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Local Dallas car insurance agents
Many people would rather sit down with an agent and that can be a smart move One of the benefits of getting online price quotes is you may find lower prices but also keep your business local.
After completing this form (opens in new window), the quote information is sent to local insurance agents who want to provide quotes for your business. You never need to contact any agents because prices are sent instantly to you. Get lower rates without the usual hassles of price shopping. In the event you want to compare rates from a specific insurance company, you can always find their quoting web page to submit a rate quote request.
Deciding on an provider needs to be determined by more than just a cheap quote. A good agent in Dallas will have answers to these questions.
- Does the agent have a valid license to sell insurance in Texas?
- How long have they worked with personal auto insurance coverage?
- Does the agent help file claims?
- Does the company use OEM repair parts?
- Does the agency have a good rating with the Better Business Bureau?
- Can glass claims be handled at your home?
Independent or Exclusive: It’s your choice
If you are searching for a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they operate. Dallas agents can be classified as either exclusive or independent (non-exclusive).
Exclusive Car Insurance Agencies
Exclusive agents can usually just insure with one company like State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy insurance from these agents partially due to the brand name and strong financial ratings.
Shown below are exclusive insurance agents in Dallas willing to provide rate quotes.
- Carlos Luevano – State Farm Insurance Agent
4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map
- Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404 – View Map
- Steve Barnes – State Farm Insurance Agent
4403 N Central Expy, Ste 100 – Dallas, TX 75205 – (214) 515-9900 – View Map
Independent Insurance Agents
Agents in the independent channel are appointed with more than one company so they can quote policies through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent. When comparing rates, you absolutely need to get quotes from at a minimum one independent agency to get the best comparison. They often place coverage with companies that do not advertise much that may provide cheaper car insurance rates.
Listed below is a short list of independent insurance agencies in Dallas that are able to give rate quotes.
- Laurence Cole Insurance Agency
6500 Greenville Ave #680 – Dallas, TX 75206 – (214) 823-2653 – View Map
- Northwest Insurance
11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map
- La Familia Auto Insurance
8702 Spring Valley Rd – Dallas, TX 75240 – (972) 586-7488 – View Map
When in doubt talk to an agent
When choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.
For example, these questions can aid in determining whether or not you would benefit from professional advice.
- How do I insure my teen driver?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is the difference between comprehensive and collision coverage?
- Is my dog or cat covered if injured in an accident?
- Will I be non-renewed for getting a DUI or other conviction?
- How much liability coverage do I need in Texas?
- Should I rate my Kia Sedona as pleasure use or commute?
- If my car is totaled with they pay enough to replace it?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.
Information about specific coverages
Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as loss of income, medical services and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Texas requires minimum liability limits of 30/60/25 but you should consider buying more liability than the minimum.
The chart below demonstrates why buying minimum limits may not be enough coverage.
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, damage from flooding and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Kia Sedona.
Because many people have only the minimum liability required by law (30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Collision coverage protection
Collision insurance pays for damage to your Sedona resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like hitting a mailbox, scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible on your Sedona to save money on collision insurance.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, dental work, pain medications and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Keep this in mind when shopping around
Drivers change insurance companies for many reasons like lack of trust in their agent, not issuing a premium refund, policy non-renewal and even policy cancellation. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
Cheaper Kia Sedona insurance in Dallas is definitely available from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis. Some car insurance companies may not offer rate quotes online and most of the time these small, regional companies provide coverage only through local independent agents.
We’ve covered quite a bit of information on how to get a better price on Kia Sedona insurance in Dallas. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from an unexpected company.
Even more information is located by following these links:
- Drunk Driving Statistics (Insurance Information Institute)
- What Insurance is Cheapest for a Ford F-150 in Dallas? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)