How long has it been since you sat down and looked for more affordable Kia Sedona insurance in Phoenix? If you’re new to shopping for Phoenix auto insurance quotes online, you can be baffled by the confusing number of auto insurance companies offering coverage in Phoenix.
A recent NerdWallet.com study revealed that nearly 70% of drivers kept their coverage with the same auto insurance company for well over three years, and approximately 40% of consumers have never compared rates from other carriers. Arizona drivers could save almost $700 a year by just comparing quotes, but most undervalue the benefits if they just switched companies.
Affordable car insurance in Phoenix, AZ
The car insurance companies shown below provide price quotes in Phoenix, AZ. If more than one company is shown, it’s highly recommended you visit as many as you can to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $180 | $292 | $332 | $20 | $100 | $924 | $77 |
| Sedona LX | $138 | $278 | $332 | $20 | $100 | $868 | $72 |
| Sedona EX | $182 | $308 | $268 | $16 | $80 | $854 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in your specific Phoenix location which can influence insurance rates substantially.
Kia Sedona insurance costs by age and gender
The diagram below compares Kia Sedona annual premium costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Driving violations and accidents
The chart below illustrates how speeding tickets and fender-benders raise Kia Sedona insurance costs for each different age category. The data assumes a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Policy deductible comparison
The information below illustrates how choosing a deductible and can influence Kia Sedona insurance rates for different insured age categories. The data assumes a single male driver, full coverage, and no policy discounts are applied.
Do you qualify for discounts?
Insurance is not inexpensive, but companies offer discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit.
- E-sign Discounts – A few companies give back up to $50 for buying your policy on the web.
- Senior Discount – Drivers that qualify as senior citizens can possibly qualify for reduced rates.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.
- Defensive Driver Discount – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
- Driving Data Discount – Policyholders that allow their insurance company to analyze driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
- No Charge for an Accident – Not necessarily a discount, but a few companies such as Allstate, Progressive, and GEICO allow you one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
- Smart Student Discounts – This discount may save you up to 25%. Earning this discount can benefit you well after school through age 25.
- Accident Free – Good drivers with no accidents pay much less when compared with bad drivers.
Remember that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.
A few popular companies and some of the discounts can be found below.
- Farmers Insurance offers premium reductions for mature driver, teen driver, distant student, youthful driver, multi-car, pay in full, and business and professional.
- Esurance offers discounts including multi-car, anti-theft, good driver, online shopper, claim free, and multi-policy.
- State Farm policyholders can earn discounts including multiple autos, driver’s education, anti-theft, passive restraint, defensive driving training, and good student.
- GEICO may include discounts for anti-theft, emergency military deployment, multi-vehicle, anti-lock brakes, five-year accident-free, defensive driver, and federal employee.
- Allstate has discounts for premier discount, premier plus, 55 and retired, good student, EZ pay plan discount, good payer, and anti-theft.
It’s a good idea to ask every insurance company to give you their best rates. Some discounts listed above may not be available in every state. To locate insurance companies who offer free Kia Sedona insurance quotes in Phoenix, click here.
Do I need special coverages?
When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.
- What is the rate difference between pleasure use and commuting?
- Why do I need rental car insurance?
- Is my Kia Sedona covered for smoke damage?
- Does low annual mileage earn a discount?
- Is other people’s property covered if stolen from my vehicle?
- What is GAP insurance?
If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Local agents and insurance
Many people still prefer to get advice from a local agent and that can be a great decision One of the great benefits of comparing rate quotes online is the fact that drivers can get the best rates and still buy from a local agent. Buying insurance from local agencies is important especially in Phoenix.
Upon completion of this quick form, the coverage information is transmitted to participating agents in Phoenix who will give you quotes for your insurance coverage. There is no need to contact any agents because prices are sent to you directly. It’s the lowest rates and work with a local agent. If you wish to get a price quote from a specific company, just go to their quote page and fill out the quote form the provide.
Listed below are Phoenix car insurance companies that are able to give rate quotes for Kia Sedona insurance in Phoenix.
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map - Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 – View Map - American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map - GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
Choosing the best company should depend on more than just the price. Here are some questions to ask:
- Does the agent have a valid license to sell insurance in Arizona?
- Is there a Errors and Omissions policy in force?
- What is the financial rating for the quoted company?
- Does the agency support the community they serve?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If you raise deductibles, how much can you save?
- Are aftermarket or OEM parts used to repair vehicles?
Can switching companies really save?
Popular insurance providers such as Allstate and Progressive consistently run ads on TV and radio. They all tend to make the same promise that people will save if you switch your coverage to them. That’s great but how can every company save you money on Kia Sedona insurance in Phoenix? Here is the trick they use.
Insurance companies are able to cherry pick for the type of customer they prefer to insure. One example of a profitable insured may be over the age of 35, has few claims, and drives a car with an anti-theft system. A driver who fits that profile will most likely get cheap prices and therefore will save a lot of money.
Insureds who don’t measure up to these stringent criteria may be required to pay a higher rate with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently make those claims.
Because of the profiling, you should get Phoenix auto insurance quotes from several different companies. It’s just too difficult to predict which company will have the best car insurance rates at this point in time.
Get the best coverage at the most affordable price
Some insurance companies don’t offer rate quotes online and these small insurance companies provide coverage only through local independent agencies. Cheaper Kia Sedona insurance in Phoenix is available from both online companies and also from your neighborhood Phoenix agents, and you should compare rates from both to have the best chance of lowering rates.
We’ve covered many ways to find cheaper Kia Sedona insurance in Phoenix. The key concept to understand is the more you quote Phoenix auto insurance, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.
More tips and info about insurance can be read in these articles:
- What is Covered by GAP Insurance? (Allstate)
- What Insurance is Cheapest for Drivers Under 21 in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Phoenix? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)