Are you looking for more affordable car insurance rates in Chicago, IL? Chicago shoppers have options when shopping for affordable Kia Sedona insurance. They can either waste time calling around getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to find car insurance online and we’ll show you the proper way to quote coverages for a new or used Kia and get the best price possible either online or from Chicago insurance agents.
Unthinkable but true, a large majority of drivers kept their policy with the same company for over three years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Illinois consumers can cut their rates by 40% a year just by getting comparison quotes, but most undervalue the benefits if they just switched companies.
It’s a good idea to take a look at other company’s rates before your next renewal because car insurance rates are constantly changing. Even if you think you had the best deal on Kia Sedona insurance in Chicago a couple years back a different company probably has better prices today. Don’t believe everything you read about Sedona insurance on the internet, but you can learn some guaranteed methods to save money.
Lowering your Kia Sedona car insurance rates is not rocket science. The only requirement is to spend a few minutes on the computer comparing rates provided by online insurance companies.
The auto insurance companies shown below provide comparison quotes in Illinois. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in vehicle location which can alter coverage prices significantly.
Auto insurance rates based on gender
The information below illustrates the comparison of Kia Sedona car insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Where to set your deductibles
The example below demonstrates how choosing different deductibles and can increase or decrease Kia Sedona insurance costs for each different age category. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Get cheaper Kia Sedona insurance in Chicago with discounts
Insurance can cost an arm and a leg, but you may be missing some discounts that can dramatically reduce your bill. Some trigger automatically at the time of quoting, but a few need to be manually applied prior to getting the savings. If you’re not getting every credit you qualify for, you are not getting the best rate possible.
- Low Mileage – Low annual miles may enable drivers to earn slightly better rates than normal.
- Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Accident Free – Claim-free drivers are rewarded with significantly better rates on Chicago auto insurance quote compared to drivers with a long claim history.
- Telematics Data – Drivers who elect to allow their company to track vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
- First Accident Forgiveness – Not really a discount, but some companies like State Farm and Allstate permit an accident before your rates go up if you have no claims before the accident.
Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, that’s just not realistic. But any discount will definitely lower the cost of coverage.
If you would like to choose from a list of insurers that have a full spectrum of discounts in Illinois, click this link.
Exclusive and independent insurance agencies
Some consumers would rather get advice from a local agent and that can be a smart move Good agents are highly skilled in risk management and will help you if you have claims. A nice benefit of comparing rates online is the fact that you can find cheap auto insurance quotes and still have an agent to talk to.
Upon completion of this short form, your insurance coverage information is submitted to local insurance agents that provide free Chicago auto insurance quotes for your auto insurance coverage. You won’t even need to leave your house because quoted prices will be sent to you directly. If you want to compare prices from a specific insurance company, feel free to jump over to their website and complete a quote there.
Finding the right insurance company requires more thought than just a cheap price quote. Any agent in Chicago should have no problem answering these questions:
- Do they regularly work with personal auto policies in Chicago?
- Do they write coverage based solely on cost?
- Will high miles depreciate repair valuations?
- How much will you save each year by using a higher deductible?
- Is insurance their full-time profession?
- Does the company have a solid financial rating?
If you need to find a reliable insurance agent, you should know the types of insurance agents that you can choose from. Insurance agencies in Chicago are either exclusive or independent agents depending on their company appointments. Either can sell affordable auto insurance policies, but it’s worth learning how they differ since it can impact the kind of agent you use.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are highly trained in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Below are exclusive agencies in Chicago that are able to give comparison quotes.
- Jim Tom – State Farm Insurance Agent
4317 N Lincoln Ave – Chicago, IL 60618 – (773) 477-3300 – View Map
- Russ Spinelli – State Farm Insurance Agent
1525 E 53rd St #727 – Chicago, IL 60615 – (773) 955-3133 – View Map
- Linda Kuczka – State Farm Insurance Agent
954 W Webster Ave – Chicago, IL 60614 – (773) 975-9111 – View Map
Independent Auto Insurance Agents
These type of agents are appointed with more than one company so they can quote policies through many different auto insurance companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company without you having to go to a different agency. If you are trying to find cheaper rates, you need to get insurance quotes from a couple of independent agencies to ensure the widest selection of prices. Most can insure with additional companies that you may not be familiar with which can be an advantage.
The following is a short list of independent insurance agencies in Chicago that are able to give price quotes.
- Illinois Vehicle Auto Insurance (Xpert)
1858 W 18th St – Chicago, IL 60608 – (312) 226-1033 – View Map
- Active Insurance Agency – Auto Insurance
1034 N Ashland Ave – Chicago, IL 60622 – (773) 286-3473 – View Map
- Skyline Insurance Agency, Inc.
2302 W Belmont Ave – Chicago, IL 60618 – (773) 525-7500 – View Map
Get More Affordable Insurance Premiums by Understanding These Factors
An important part of buying insurance is that you know some of the elements that play a part in calculating your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that can help you get big savings. Lots of factors are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, although others are more transparent like your continuous coverage or your financial responsibility.
The factors shown below are just a few of the factors used by your company to calculate your rates.
- Safer the car lower the rate – Cars with five star safety ratings can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and lower injury rates means your insurance company pays less and thus lower rates. If your Kia Sedona is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- What are good liability protection limits? – The liability section of your policy is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
- Policy add-ons could be costing you – There are quite a few extra coverages that you can get tricked into buying on your car insurance policy. Coverages like vanishing deductibles, accident forgiveness, and membership fees are probably not needed. They may seem good when discussing your needs, but if they’re wasting money consider taking them off your policy.
- Premiums can be impacted by your job – Careers like fire fighters, social workers and financial analysts usually pay the highest rates due to intense work situations and long work hours. On the other hand, careers like actors, engineers and retirees have the lowest average rates.
- Do you know you’re credit score? – Having a good credit history can be an important factor in determining what you pay for car insurance. If your credit history can use some improvement, you could save money insuring your Kia Sedona by repairing your credit. People that have high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings.
- Insurance prices and vehicle performance – The make and model of the vehicle you drive makes a big difference in determining your rates. The cheapest insurance rates are for lower performance four cylinder passenger cars, but your final cost has many other factors. Because the Kia Sedona is classified as a van and minivan, insuring your vehicle will cost similar in price than the average rate where you live in Chicago.
- Never allow your policy to lapse – Driving any period of time without insurance is a misdemeanor and any future policy may cost more because you let your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance could result in a license revocation or jail time. You may then be required to file a SR-22 with the Illinois DMV.
- Drive less and get lower premiums – The higher the miles on your Kia each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how much you drive. Cars and trucks used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. Improper usage on your Sedona may be wasting your money. Verify your car insurance policy reflects the correct usage for each vehicle, because improper ratings can cost you money.
- Insurance loss statistics a Kia Sedona – Companies factor in insurance loss information when determining insurance rates. Vehicles that have higher prevalence or dollar amount of losses will cost more to insure.
The table below illustrates the compiled insurance loss statistics for Kia Sedona vehicles. For each policy coverage, the statistical loss for all vehicles averaged together is a value of 100. Percentages below 100 suggest a positive loss record, while values that are above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
Insurance Loss Ratings for Kia Sedona Vehicles
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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to insure your Kia vehicle
Despite the fact that insurance is not cheap in Chicago, insurance may be mandatory for several reasons.
First, the majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability protection if you drive a vehicle. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your car has a lien holder, more than likely the lender will require you to have comprehensive coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Kia for a much higher rate and require you to reimburse them much more than you were paying before.
Third, insurance protects not only your Kia Sedona but also your assets. It will also cover medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Kia as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. An average driver in America is overpaying over $820 a year so we recommend shopping around once a year at a minimum to ensure rates are competitive.
Cheaper coverage is out there
People switch companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, lack of trust in their agent and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
You just read a lot of tips how to find cheap Kia Sedona insurance in Chicago. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding low cost Chicago auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with some of the lesser-known companies.
Cost effective Kia Sedona insurance can be sourced both online and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide price quotes online and most of the time these regional insurance providers prefer to sell through independent agents.
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Auto Insurance for Drivers with Accidents in Chicago? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Chicago? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Young Drivers: The High Risk Years Video (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)