Affordable Insurance for a Kia Sedona in Houston

Insurance rates Kia Sedona in HoustonNo sane person loves paying for insurance, especially when they know they could find better rates elsewhere.

It’s shocking but nearly 70% of drivers have been with the same company for well over three years, and almost 40% of drivers have never shopped around. Many drivers in Texas can cut their rates by as much as 70% a year by just comparing rate quotes, but most undervalue the amount of money they would save if they bought a different policy.

With people having so many insurance companies to choose from, it’s nearly impossible to locate the right insurance provider.

When quoting auto insurance, remember that comparing more rates from different companies helps locate a better price. Some regional insurers cannot provide price estimates online, so it’s important to compare quotes from those companies as well.

The companies in the list below provide comparison quotes in Texas. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.

Kia Sedona Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $206 $338 $366 $22 $110 $1,042 $87
Sedona LX $286 $486 $330 $20 $98 $1,220 $102
Sedona EX $206 $312 $324 $20 $96 $958 $80
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in specific location information which can lower or raise insurance rates substantially.

Annual premiums for males compared to females in Houston

The chart below compares Kia Sedona yearly insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Car insurance is not optional

Despite the high cost of buying insurance for a Kia Sedona in Houston, maintaining insurance is not optional due to several reasons.

The benefits of having car insurance greatly outweigh the cost, especially for larger claims. The average driver in America overpays as much as $855 a year so it’s important to compare rates at every renewal to ensure rates are inline.

Five factors that influence insurance premiums

Many factors are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but other criteria are less apparent such as whether you are married or how safe your car is.

The items below are most of the major factors that factor into your prices.

Lower rate quotes by receiving discounts

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but occasionally some discounts must be asked about before you will receive the discount.Cheaper insurance with discounts

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

To see a list of insurance companies offering insurance discounts in Houston, click this link.

Do I need special coverages?

When buying coverage online or from an agent for your vehicles, there is no “best” method to buy coverage. Every situation is different and your insurance should be unique as well.Drive safe and save
For example, these questions may help you determine whether your personal situation would benefit from professional advice.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Local agents and auto insurance

A lot of people would prefer to sit down and talk to an agent and doing that can be a smart decision A nice benefit of comparing rates online is the fact that you can find the best rates and also buy local.

Houston insurance agentsTo help locate an agent, after submitting this form (opens in new window), your information is transmitted to companies in Houston that can provide free Houston auto insurance quotes for your insurance coverage. You never need to contact an agency because prices are sent to you instantly. Get lower rates AND a local agent. If for some reason you want to compare rates from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.

Choosing the best company needs to be determined by more than just the price. You should also get answers to these questions.

Types of auto insurance agents

If you prefer to buy auto insurance from a local insurance agency, it’s helpful to know the different types of agents and how they function. Auto insurance agents in Houston are considered either exclusive or independent.

Exclusive Insurance Agencies

Agents of this type can only quote rates from one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are trained well on what they offer which aids in selling service over price.

Shown below are Houston exclusive agents that can give you price quotes.

13618 Bellaire Blvd, Ste E5Houston, TX 77083(281) 498-6800View Map

1616 Clear Lake City Blvd #107Houston, TX 77062(281) 486-9100View Map

2402 Bay Area Blvd gHouston, TX 77058(281) 488-9050View Map

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Independent Auto Insurance Agencies

Agents that elect to be independent do not write with just one company and that allows them to write policies amongst many companies and potentially find a lower price. If prices rise, your agent can switch companies which requires no work on your part.

If you are comparing rate quotes, you need to include rate quotes from several independent insurance agents so that you can do a thorough price comparison.

Shown below are Houston independent agencies that are able to give price quote information.

11999 Katy Fwy #635Houston, TX 77079(281) 558-2210View Map

3355 W Alabama St #850Houston, TX 77098(713) 622-2330View Map

15327 Gulf Fwy bHouston, TX 77034(281) 484-4870View Map

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Compare rates regularly to save

In this article, we presented a lot of techniques to save on Kia Sedona insurance in Houston. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper Houston auto insurance quotes. You may even find the biggest savings come from a lesser-known regional company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

The cheapest Kia Sedona insurance in Houston can be bought both online in addition to many Houston insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these regional carriers prefer to sell through independent agencies.

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