How many years has it been since you compared the cheapest Kia Sedona insurance in Fresno? Pretty sure you bought overpriced Kia Sedona insurance in Fresno? Trust us, there are many Fresno consumers feeling the pinch from expensive auto insurance.
We don’t have to point out that fact that car insurance companies want to keep you from comparing rates. Insureds who compare other rates will most likely switch auto insurance companies because there is a great chance of finding a lower rate. A recent survey discovered that consumers who made a habit of comparing rates saved on average $865 a year compared to drivers who never shopped around for better prices.
If finding the lowest price on car insurance is the reason for your visit, then understanding the best way to shop and compare insurance can save money and time.
How to buy low-cost Kia Sedona insurance in Fresno
If you want to save the most money, the best way to find the cheapest price for auto insurance rates is to start comparing rates regularly from companies who provide auto insurance in Fresno. Rate comparisons can be done by following these steps.
First, spend some time learning about how your policy works and the measures you can control to keep rates down. Many rating criteria that drive up the price like speeding tickets, accidents and an imperfect credit history can be amended by improving your driving habits or financial responsibility.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
Third, compare the new rate quotes to your existing rates and determine if cheaper Sedona coverage is available in Fresno. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new agent or company. Make sure you put the new certificate of insurance with your vehicle’s registration.
One tip to remember is to make sure you’re comparing the same amount of coverage on each quote and and to get price quotes from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and a thorough price selection.
There is such a variety of insurers to pick from, and although it’s a good thing to be able to choose, having more insurers makes it harder to adequately compare rates for Kia Sedona insurance in Fresno.
Locating the best rates in Fresno is quite easy. Just about every person who quotes car insurance should be able to reduce their rates. But California consumers benefit from understanding how companies determine premium rates because rates fluctuate considerably.
Auto insurance providers offering affordable prices in California
The companies shown below provide free rate quotes in Fresno, CA. To get cheap car insurance in Fresno, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Kia Sedona insurance coverage information
The coverage information shown below highlights a range of insurance costs for Kia Sedona models. Having a good understanding how insurance policy premiums are figured helps drivers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $240 | $298 | $492 | $30 | $148 | $1,208 | $101 |
| Sedona LX | $240 | $362 | $492 | $30 | $148 | $1,272 | $106 |
| Sedona EX | $272 | $362 | $492 | $30 | $148 | $1,304 | $109 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific location information which can revise premiums significantly.
The example below shows how different deductible levels and can increase or decrease Kia Sedona insurance prices for each age group. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.
Cautious drivers save money
The diagram below illustrates how traffic citations and at-fault claims impact Kia Sedona annual premium costs for each age group. The data is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Kia Sedona insurance premiums by gender
The chart below visualizes the comparison of Kia Sedona auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Fresno insurance discounts for a Kia Sedona
Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so here is a list both the well known and also the more inconspicuous discounts you could be receiving when you buy Fresno auto insurance online. If you’re not getting every credit available, you could be getting lower rates.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
- Professional Memberships – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
- Multi-policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could save at least 10% off all policies.
- Low Mileage Discounts – Keeping the miles down on your Kia may allow you to get slightly better premium rates than normal.
- Sign Early and Save – A few larger companies give discounts for renewing your policy before your current Sedona insurance policy expires. This discount can save up to 10%.
- Senior Citizen Discount – Drivers over the age of 55 may qualify for lower premium rates.
- Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
- Good Student – A discount for being a good student may save as much as 25% on a Fresno auto insurance quote. This discount can apply well after school through age 25.
- Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote Fresno auto insurance with select insurance companies.
One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.
The example below compares Kia Sedona auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.
Popular insurance companies and the discounts they provide are shown below.
- American Family has discounts for Steer into Savings, early bird, air bags, good student, bundled insurance, defensive driver, and multi-vehicle.
- Nationwide offers discounts for Farm Bureau membership, defensive driving, family plan, easy pay, and multi-policy.
- MetLife may include discounts for accident-free, good driver, multi-policy, good student, claim-free, and defensive driver.
- 21st Century may offer discounts for teen driver, automatic seat belts, air bags, anti-lock brakes, defensive driver, and homeowners.
- Farmers Insurance policyholders can earn discounts including electronic funds transfer, mature driver, early shopping, youthful driver, and distant student.
- Allstate discounts include safe driver, new car, farm vehicle, FullPay discount, and multi-policy.
If you are trying to find inexpensive Fresno auto insurance quotes, ask every prospective company how you can save money. Some discounts may not apply to policyholders in every state. To see a list of insurance companies who offer insurance discounts in California, click here to view.
Get Lower-cost Insurance Rates by Understanding These Factors
Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but some are not as apparent like where you live or how financially stable you are. An important part of buying insurance is that you know some of the factors that help calculate the level of your policy premiums. If you understand what determines premiums, this allows you to make good choices that can help you get lower insurance prices.
The factors shown below are some of the most rate-impacting factors that factor into rates.
Your spouse saves you money – Having a spouse actually saves money on your insurance policy. It means you’re more mature and insurance companies reward insureds because drivers who are married are more cautious.
Too many insurance claims will drive prices up – Insurance companies in California award cheaper rates to policyholders who are not frequent claim filers. If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is designed for claims that you cannot pay yourself.
Vehicle risk impacts rates – The performance level of the car or truck you need insurance for makes a huge difference in determining your rates. Small economy passenger cars receive the most favorable rates, but your final cost has many other factors.
The next chart is based on a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Kia Sedona insurance rates compared to other vehicles that have different performances.
Poor credit can mean higher premiums – Credit score is a big factor in your rate calculation. So if your credit leaves room for improvement, you could save money insuring your Kia Sedona if you improve your credit rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have bad credit.
Insurance losses for a Kia Sedona – Insurers factor in historical loss data to help determine the price you pay. Vehicles that statistically have high amounts or severity of claims will have increased rates. The table below shows the insurance loss data used by companies for Kia Sedona vehicles.
For each policy coverage, the loss probability for all vehicles averaged together is represented as 100. Values that are 100 or less suggest a positive loss record, while numbers that are greater than 100 indicate more frequent claims or tendency to have larger claims.
| Specific Kia 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Neighborhood Fresno auto insurance agents
Many drivers just want to talk to a local agent and that is just fine! The best thing about comparing rates online is the fact that you can find cheap rate quotes and also buy local.
To find an agent, once you fill out this simple form, the quote information is submitted to companies in Fresno who will give you quotes for your auto insurance coverage. You don’t have to find an agent on your own since rate quotes are delivered to you directly. You can find lower rates without requiring a lot of work. In the event you want to compare prices from a specific company, you would need to jump over to their website to submit a rate quote request.
Finding the right provider shouldn’t rely on just the quoted price. Any agent in Fresno should be forthright in answering these questions:
- Does the agent help file claims?
- Can glass claims be handled at your home?
- What is the agency’s Better Business Bureau rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they able to influence company decisions when a claim is filed?
When looking for a good Fresno insurance agent, there are two types of agencies and how they can quote your rates. Agencies in Fresno may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Exclusive agencies can only write with one company like State Farm, Allstate, or Farmers Insurance. These agents are unable to compare rates from other companies so they have to upsell other benefits. These agents receive a lot of sales training on what they offer which helps them sell on service rather than price.
Listed below are Fresno exclusive insurance agents that can give you price quotes.
Allstate Insurance: Roger Noguera
3032 W Bullard Ave – Fresno, CA 93711 – (559) 435-2246 – View Map
Progressive Insurance
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500 – View Map
Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861 – View Map
Independent Auto Insurance Agencies
These agents do not write with just one company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally which requires no work on your part. When comparing auto insurance prices, you definitely need to get quotes from several independent agencies for maximum quote selection.
The following is a short list of independent agencies in Fresno willing to provide price quote information.
Pan American Insurance Agency
7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272 – View Map
Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103 – Fresno, CA 93711 – (559) 222-0300 – View Map
Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655 – View Map
Fresno auto insurance company ratings
Selecting a good quality insurer is hard considering how many different companies sell coverage in California. The ranking data shown next may help you choose which coverage providers to look at when shopping your coverage around.
Top 10 Fresno Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Insurance savings summarized
Some insurance providers may not have rates over the internet and most of the time these regional carriers provide coverage only through local independent agencies. The cheapest Kia Sedona insurance in Fresno is possible both online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.
When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There have been many cases where someone dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
Steps to finding cheaper quotes for Kia Sedona insurance in Fresno
If you want to find the absolute lowest rates, then the best way to save money on Kia Sedona insurance is to regularly compare prices from insurance carriers in Fresno. Rate comparisons can be done by following these guidelines.
First, try to learn about coverages and the steps you can take to prevent expensive coverage. Many rating criteria that drive up the price like traffic violations, accidents, and poor credit history can be controlled by making lifestyle changes or driving safer.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agencies can quote rates from many different companies.
Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure there is no coverage gap between policies.
One tip to remember is to try to compare identical limits and deductibles on each quote and and to look at all possible companies. This enables a fair rate comparison and the most accurate and complete price analysis.
Additional insurance information can be found at these links:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Affordable Fresno Auto Insurance Rates for Postal Workers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)