Kia Sedona Insurance Quotes in Minneapolis

Insurance rates Kia Sedona in MinneapolisHow long has it been since you sat down and looked for low-cost Kia Sedona insurance in Minneapolis? Finding better insurance prices for a Kia Sedona in Minnesota can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to buy car insurance and we’ll show you the proper way to get price quotes for your Kia and get the cheapest rates either online or from Minneapolis insurance agents.

You should take the time to get comparison quotes every six months because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on Kia Sedona insurance in Minneapolis two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

Comparison shopping for the lowest-priced insurance coverage in Minneapolis is easy if you know what you’re doing. If you have coverage now or need a new policy, you can use these tips to get lower rates without reducing coverage. Drivers just have to use the most effective way to compare insurance rates online.

Getting more affordable car insurance pricing is a great way to save money. You just need to take a couple of minutes to get quotes provided by online insurance companies.

The companies shown below provide price quotes in Minnesota. To find the best auto insurance in Minnesota, we recommend you click on several of them to find the most competitive auto insurance rates.

Rates and information analytics

The rate information shown next showcases detailed analysis of prices for Kia Sedona models. Having insight into how insurance policy premiums are figured can benefit drivers when making smart choices when choosing a car insurance company.

Kia Sedona Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $130 $220 $304 $18 $92 $764 $64
Sedona LX $130 $268 $304 $18 $92 $812 $68
Sedona EX $146 $268 $304 $18 $92 $828 $69
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in garaging location in Minneapolis which can affect insurance rates significantly.

Deductible analysis

When shopping for insurance, a common question is at what level do you set your deductibles. The comparisons below can help show the rate difference of buying low and high comp and collision deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Kia Sedona insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $272 $406 $270 $16 $80 $1,069 $89
Sedona LX $272 $492 $270 $16 $80 $1,155 $96
Sedona EX $308 $492 $270 $16 $80 $1,191 $99
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Kia Sedona insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $200 $274 $270 $16 $80 $840 $70
Sedona LX $200 $334 $270 $16 $80 $900 $75
Sedona EX $224 $334 $270 $16 $80 $924 $77
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in Minneapolis location which can increase or decrease premiums considerably.

Based on this data, using a $100 deductible will cost you approximately $21 more each month or $252 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 19 months between claims, you would come out ahead if you choose a higher deductible.

The information below shows how different deductible levels and can change Kia Sedona insurance premiums for each age group. The rates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Reckless driving habits raise Minneapolis insurance rates

The chart below demonstrates how traffic citations and fender-benders raise Kia Sedona insurance rates for different ages of insureds. The rate quotes are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Kia Sedona insurance rates by gender

The diagram below shows the comparison of Kia Sedona car insurance costs for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $250 deductibles, marital status is single, and no discounts are factored in.

Good Decisions Result in Lower Insurance Costs

A large part of saving on auto insurance is knowing some of the factors that are used to determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may result in cheaper rates.

Decrease premiums by maintaining coverage – Allowing your auto insurance policy to lapse is a sure-fire way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance will get you fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with the Minnesota DMV.

Costs impacted by your city – Having an address in smaller towns and rural areas of the country can save you money when shopping for auto insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.

Performance makes a difference – The type of vehicle you drive makes a substantial difference in how high your rates are. Smaller low performance passenger vehicles generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.

The chart below uses these assumptions: married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Kia Sedona rates compared to other makes and models that have different performance rating factors.

Reserve auto insurance claims for larger damages – Companies in Minnesota provide discounts to policyholders who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.

Consider raising physical damage deductibles – Comp and collision deductibles state the amount of money you are required to spend out-of-pocket in the event of a claim. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered are collision with another vehicle, damage from fire, or theft of your vehicle. The more you have to pay, the lower your rates will be.

Additional coverages that may be costing you – There are quite a few extra bells and whistles you can purchase but may not be useful. Add-on coverages like vanishing deductibles, towing, and membership fees may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if they’re wasting money get rid of them and save.

Kia Sedona claim probability – Car insurance companies use past insurance losses to calculate a price that offsets possible losses. Vehicles that the data shows to have higher prevalence or dollar amount of losses will cost more for coverage. The table below illustrates the compiled insurance loss statistics for Kia Sedona vehicles.

For each coverage category, the statistical loss for all vehicles averaged together is set at 100. Numbers below 100 indicate a favorable loss history, while values that are 100 or greater show a trend for more claims or an increased likelihood of larger losses.

Kia Sedona Insurance Claim Statistics
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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need car insurance

Despite the high cost, insurance is required in Minnesota but also provides important benefits.

First, most states have mandatory insurance requirements which means state laws require a minimum amount of liability if you want to drive legally. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your Kia Sedona, most lenders will make it mandatory that you have insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Kia at a much higher premium rate and require you to fork over the higher price.

Third, car insurance preserves your Kia Sedona and your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Minnesota is overpaying more than $800 each year so you should quote and compare rates at every renewal to be sure current rates are still competitive.