No 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.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
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.
- Most states have minimum liability requirements which means you are required to buy specific limits of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, most lenders will require that you have full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Kia at a much higher rate and require you to pay for the much more expensive policy.
- Car insurance preserves both your assets and your car. It also can pay for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
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.
- Bad drivers pay high costs – How you drive influences premium rates substantially. Having just one ticket may cause rates to rise forty percent or more. Good drivers receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking tickets such as DUI or reckless driving may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
- Costs go up with performance – The type of car you are buying insurance for makes a huge difference in the rate you pay. The lowest rates tend to be for lower performance four cylinder passenger vehicles, but your final cost has many other factors. Since the Kia Sedona is classified as a van and minivan, rates will be similar in price compared to average rates in Houston.
- Single drivers may have higher prices – Having a spouse helps lower the price on your insurance policy. Having a significant other usually means you are more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
- Only buy what you need – There are many extra bells and whistles that can waste your money if you don’t pay attention. Coverages for replacement cost coverage, death and dismemberment, and term life insurance are examples of these. The coverages may be enticing when discussing your needs, but if you have no use for them remove them from your policy.
- Premiums can change based on your address – Being located in a rural area has it’s advantages when trying to find low car insurance rates. Less people living in that area means less chance of accidents as well as less vandalism and auto theft. City drivers have to deal with more road rage incidents and more severe claims. More time on the road means more chances of being involved in an auto accident.
- Insurance loss data for Kia Sedona vehicles – Car insurance companies factor in insurance loss information to calculate a rate that will offset any claims. Models that the data shows to have a trend towards higher claim severity or frequency will be charged more to insure. The next table shows the actual insurance loss data for Kia Sedona vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is set at 100. Values that are 100 or less suggest a better than average loss history, while numbers that are greater than 100 indicate frequent claims or statistically larger claims.
Kia Sedona Insurance Claim Statistics
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
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.
- Own a Home and Save – Being a homeowner can save you money because owning a home requires personal responsibility.
- Clubs and Organizations – Affiliation with a qualifying organization may earn a discount when shopping for insurance.
- Savings for New Vehicles – Buying insurance on a new vehicle can get you a discount because newer vehicles have to meet stringent safety requirements.
- Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to frequent claim filers.
- Low Mileage Discounts – Driving fewer miles could earn slightly better prices than normal.
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.
For example, these questions may help you determine whether your personal situation would benefit from professional advice.
- Am I covered if I crash into my own garage door?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I have coverage for damage caused while driving under the influence?
- Which companies will insure high-risk drivers?
- How do I buy GAP insurance?
- Is pet coverage available?
- Am I missing any policy discounts?
- Can my babysitter drive my car?
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.
To 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.
- Do the companies they represent have a solid financial rating?
- Are claims handled at the agent’s location?
- Do you work with a CSR or direct with the agent?
- Do they have cheaper tiers of coverage?
- How many companies do they write for?
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.
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.
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.
Additional detailed information is located in these articles:
- Safe Vehicles for Teens (iihs.org)
- How Much is Auto Insurance for a Learners Permit in Houston? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Houston? (FAQ)
- Who Has Affordable Auto Insurance for College Graduates in Houston? (FAQ)
- Who Has Affordable Houston Car Insurance Rates for Young Drivers? (FAQ)
- Who Has Affordable Houston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
- Understanding Limits and Deductibles (Allstate)