The recommended way to get affordable Kia Sedona insurance is to make a habit of comparing prices annually from providers that insure vehicles in Boston.
- Learn about how insurance works and the modifications you can make to prevent high rates. Many policy risk factors that cause high rates such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be rectified by making minor changes in your lifestyle. Keep reading for information to help find cheaper rates and get discounts that may be overlooked.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote rates from multiple sources.
- Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Boston. If you find better rates and make a switch, make sure coverage does not lapse between policies.
The most important part of shopping around is to try to compare identical coverages on each quote request and and to analyze as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and a thorough price selection.
It’s a fact that insurance companies don’t want customers comparing rates. Consumers who shop around for the cheapest price will presumably switch insurance companies because there are good odds of finding a lower rate. A recent insurance study revealed that consumers who shopped around saved on average $865 a year compared to policyholders who never compared prices.
If saving the most money on Kia Sedona insurance in Boston is your ultimate objective, then understanding the best way to compare cheaper coverage can save money and time.
Buying affordable insurance in Boston is really quite easy. If you have a current insurance policy, you will be able to find the best rates using the ideas you’re about to read. Although Massachusetts car owners can benefit from knowing the methods companies use to calculate their prices because rates fluctuate considerably.
Best companies for cheap Kia Sedona insurance in Massachusetts
The companies in the list below are ready to provide price quotes in Massachusetts. To find the cheapest auto insurance in Massachusetts, we suggest you visit as many as you can to get the best price comparison.
Car insurance data for a Kia Sedona
The data table displayed next highlights a range of insurance costs for Kia Sedona models. Learning how auto insurance premiums are calculated is important for drivers to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $222 | $350 | $298 | $18 | $90 | $978 | $82 |
| Sedona LX | $222 | $426 | $298 | $18 | $90 | $1,054 | $88 |
| Sedona EX | $250 | $426 | $298 | $18 | $90 | $1,082 | $90 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can increase or decrease premium rates greatly.
The example below highlights how deductible choice and can increase or decrease Kia Sedona insurance premiums for each age group. The rates are based on a single female driver, full coverage, and no policy discounts are applied.
Illustration showing the impact of accidents and violations
The example below illustrates how traffic citations and at-fault fender-benders can drive up Kia Sedona insurance premiums for each age group. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Cost comparison with and without full coverage
The chart below visualizes the comparison of Kia Sedona auto insurance rates with full coverage compared to only the Massachusetts minimum liability coverage. The costs are based on no claims or violations, $500 deductibles, single marital status, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There isn’t a written rule to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Kia Sedona replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
These discounts can slash Kia Sedona insurance rates
Car insurance is neither fun to buy or cheap, but there may be some discounts that you may not even be aware of. Some discounts will apply at the time of purchase, but a few must be specially asked for prior to getting the savings.
- Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn substantially lower car insurance rates.
- Onboard Data Collection – People who choose to allow their insurance company to monitor driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot might see lower rates if they show good driving skills.
- Distant College Student Discount – Children living away from Boston attending college and don’t have a car may be able to be covered for less.
- Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
- Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
- Early Signing – A few larger companies give discounts for switching to them prior to your current Sedona insurance policy expiring. This discount can save up to 10%.
- Passenger Safety Discount – Factory options such as air bags or automatic seat belts can get savings as much as 30%.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Professional Organizations – Being in a civic or occupational organization in Boston may earn a discount when getting a Boston auto insurance quote.
- Active Service Discounts – Being on active deployment in the military could mean lower prices.
Keep in mind that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.
The illustration below illustrates the difference between Kia Sedona auto insurance rates with and without discounts being applied to the rates. The premiums are based on a male driver, no accidents or driving violations, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
Large car insurance companies and the discounts they provide are outlined below.
- State Farm discounts include driver’s education, accident-free, defensive driving training, anti-theft, Steer Clear safe driver discount, and good student.
- American Family policyholders can earn discounts including defensive driver, early bird, air bags, TimeAway discount, accident-free, and good student.
- GEICO may offer discounts for air bags, emergency military deployment, multi-vehicle, driver training, and seat belt use.
- 21st Century offers discounts for student driver, good student, defensive driver, early bird, and 55 and older.
- Progressive has savings for continuous coverage, homeowner, good student, online signing, and multi-policy.
Double check with all companies you are considering the best way to save money. Some discounts listed above might not be offered in Boston. To view car insurance companies who offer discounts in Massachusetts, click here to view.
You may require the services of a local insurance agent
Some consumers still prefer to go talk to an agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find the lowest rates and still have a local agent.
Once you complete this quick form, your coverage information is immediately sent to local insurance agents in Boston who will return price quotes for your coverage. You won’t need to search for any insurance agencies since price quotes are sent directly to you. It’s the lowest rates and an insurance agent to talk to. If for some reason you want to compare prices from a specific company, you can always jump over to their website and fill out their quote form.
Picking an provider needs to be determined by more than just a cheap price quote. The following questions are important to ask.
- Will they take your side in the event of a claim?
- Are they full-time agents?
- Do they prorate repair cost based on vehicle mileage?
- Which insurance companies are they affiliated with?
- When do they do policy reviews?
- What is the agency’s Better Business Bureau rating?
- Do the agents have professional certifications like CPCU or CIC?
After getting acceptable answers to any questions you may have and an acceptable price quote, chances are good that you have found an provider that can insure your vehicles.
Massachusetts car insurance company ratings
Finding the top insurance provider can be a challenge considering how many different companies sell coverage in Massachusetts. The company information in the lists below can help you analyze which auto insurance companies to look at comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Cheap coverage is out there
A few companies may not have online price quotes and these regional carriers only sell through independent insurance agents. Lower-priced Kia Sedona insurance in Boston is possible online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.
While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.
To learn more, feel free to visit the resources below:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a 20 Year Old Female in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Drivers Under 25? (FAQ)
- Who Has Cheap Boston Auto Insurance for 16 Year Olds? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)