Anyone knows that car insurance companies don’t want their customers to go rate shopping. Insureds who compare price quotes are likely to buy a different policy because there is a significant possibility of finding a more affordable policy premium. A survey found that drivers who routinely shopped for cheaper coverage saved over $70 a month compared to those who never shopped around.
If finding the cheapest rates on auto insurance in Stockton is why you’re here, then learning about how to find companies and compare insurance premiums can help you be more efficient.
The preferred way to get discount Kia Sedona insurance in Stockton is to regularly compare prices from different companies who can sell car insurance in California. Prices can be compared by following these steps.
- First, take a little time to learn about how auto insurance works and the things you can change to prevent expensive coverage. Many risk factors that are responsible for high rates such as your driving record and an imperfect credit rating can be remedied by making lifestyle changes or driving safer.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agencies can quote prices from multiple insurance companies.
- Third, compare the new rates to your current policy premium and see if there is a cheaper rate. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.
One tip to remember is to make sure you’re comparing identical limits and deductibles on every quote request and and to get price estimates from every company you can. Doing this ensures a fair price comparison and a thorough selection of prices.
If you already have coverage or just want to reduce your rates, you can follow these tips to get lower rates without reducing coverage. Comparing rates for the most affordable protection in Stockton is actually quite simple. Consumers just have to understand the proper way to get comparison rates using one simple form.
Affordable Kia Sedona insurance in Stockton
Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some need to be inquired about before you get the savings.
- Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you may earn 10% to 20% off each policy.
- Accident Free – Drivers who don’t have accidents pay much less when compared with drivers with a long claim history.
- Distant Student Discount – Kids who live away from home to go to college and leave their car at home can receive lower rates.
- More Vehicles More Savings – Drivers who insure multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
- Senior Discount – Drivers over the age of 55 can get a slight reduction on a Stockton auto insurance quote.
- Discount for Life Insurance – Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
- Discounts for New Vehicles – Buying a new car model can cost up to 25% less due to better safety requirements for new vehicles.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
- Discount for Home Ownership – Simply owning a home can help you save on car insurance because it means you have a higher level of financial diligence.
- Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
You should keep in mind that some credits don’t apply to the whole policy. Some only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The illustration below visualizes the comparison of Kia Sedona insurance premiums with and without some available policy discounts. The information is based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, safe-driver, and homeowner discounts applied.
A partial list of companies that may include most of these discounts are:
Before purchasing a policy, check with all companies you are considering what discounts are available to you. Savings might not apply in Stockton. To choose companies that provide some of the discounts listed above in California, click here to view.
The quickest method to compare insurance rates in your area is to take advantage of the fact car insurance companies will pay a fee to give you rate quotes. The one thing you need to do is provide information including marital status, how much education you have, if it has an anti-theft system, and how much coverage you want. That rating information is instantly sent to many of the top insurers and they return quotes immediately.
To get price quotes for your Kia Sedona now, click here and enter your coverage details.
The following companies are ready to provide free rate quotes in California. If several companies are displayed, we suggest you visit several of them to get the best price comparison.
Insurance coverage analysis
The coverage information displayed below highlights a range of insurance rates for Kia Sedona models. Learning a little about how insurance premiums are calculated can be valuable when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $182 | $292 | $424 | $26 | $128 | $1,052 | $88 |
| Sedona LX | $182 | $354 | $424 | $26 | $128 | $1,114 | $93 |
| Sedona EX | $204 | $354 | $424 | $26 | $128 | $1,136 | $95 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific zip code location which can impact premiums significantly.
Physical damage deductibles
One common question asked by Stockton drivers is which deductible level should you buy. The comparison tables below show how much more rates are when you select higher and lower policy deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Sedona LX | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Sedona EX | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Sedona LX | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Sedona EX | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in specific garaging location which can modify premiums significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $28 more each month or $336 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would save more money going with the higher deductible.
The information below demonstrates how deductibles and can change Kia Sedona yearly insurance costs for different categories of driver ages. The prices are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Males versus Females
The information below illustrates the difference between Kia Sedona premium costs for male and female drivers. The rate quotes are based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Learn How to Quote Car Insurance More Affordably
A large part of saving on car insurance is knowing the rating factors that play a part in calculating your car insurance rates. If you know what determines base rates, this enables informed choices that may result in lower car insurance prices.
The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your rate level.
What are your deductibles? – Deductibles for physical damage define how much you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims could be a windshield broken by a bird, vandalism, and damage from wind. The larger the amount you have to pay, the less your car insurance will be.
Know your credit rating – Credit score is a large factor in determining what you pay. So if your credit rating is lower than you’d like, you could save money insuring your Kia Sedona if you clean up your credit. Insureds that have good credit tend to be better risks to insure than drivers who have worse credit.
Keep policy claims to a minimum – If you are the type of insured that files lots of claims you can expect higher rates. Car insurance companies in California award lower rates to insureds who file claims infrequently. Your car insurance is intended for major claims that would cause financial hardship.
Get hitched and pay less – Walking down the aisle can actually save you money on your car insurance bill. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
Kia Sedona insurance claim data – Insurers factor in insurance loss information in order to profitably underwrite each model. Vehicles that statistically have higher prevalence or dollar amount of losses will have a higher cost to insure. The information below illustrates the actual insurance loss data for Kia Sedona vehicles.
For each policy coverage, the statistical loss for all vehicles combined as an average is set at 100. Values that are below 100 suggest a positive loss record, while numbers above 100 indicate more frequent losses or statistically larger losses.
| Specific Kia 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
Do I just need basic coverages?
When choosing a policy, there really isn’t a cookie cutter policy. Every situation is different.
These are some specific questions could help you determine if your situation might need professional guidance.
- Does insurance cover tools stolen from my truck?
- What is the premium to book value ratio for dropping full coverage?
- I have a DUI can I still get coverage?
- What does roadside assistance cover?
- What can I do if my company won’t pay a claim?
- Does my personal policy cover me when driving out-of-state?
- Is a blown tire covered by insurance?
- If my Kia Sedona is totaled, can I afford another vehicle?
- Can my teen drive my company car?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
When to have guidance from an insurance agent
Many people just prefer to sit down and talk to an agent and we recommend doing that Good agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you may find better rates and still have a local agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is immediately sent to companies in Stockton that can provide free Stockton auto insurance quotes to get your business. You won’t need to contact any agents due to the fact that quote results will go directly to your email. If you have a need to compare rates for a specific company, just go to their quote page and fill out their quote form.
Selecting an insurer shouldn’t rely on just a low price. Any agent in Stockton should have no problem answering these questions:
- How would your car be valued if totaled?
- Can they give you a list of client referrals?
- Are there any discounts for paying up front?
- Are they full-time agents?
- Is the agency active in community causes in Stockton?
- Does the quote include credit and driving reports?
- Will a damage claim use OEM or aftermarket replacement parts?
- If independent agents, which companies do they recommend?
If you’re trying to find a reputable agency, there are two different agency structures and how they function. Agents are either independent or exclusive depending on the company they work for. Both write auto insurance policies, but it’s good to learn how they differ since it can affect which type of agent you select.
Exclusive Auto Insurance Agencies
Agents of this type are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. These agents are highly trained on their company’s products and that can be a competitive advantage. Some people will only buy from exclusive agents partially due to loyalty to the company rather than low rates.
Listed below are Stockton exclusive agencies who may provide you with price quote information.
- Darius Turner – State Farm Insurance Agent
1036 W Robinhood Dr Ste 103 – Stockton, CA 95207 – (209) 475-9336 – View Map - Farmers Insurance – Ryan Turner
4560 N Pershing Ave b – Stockton, CA 95207 – (209) 957-1100 – View Map - Farmers Insurance – Celine Vien
7743 West Ln, Ste C4 – Stockton, CA 95210 – (209) 476-8222 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not work for one specific company so they can write business through many companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing auto insurance rates, you should always get some free quotes from at least one independent agent to have the best price comparison. Most also write with lesser-known insurance companies which can save you money.
Shown below is a short list of independent agents in Stockton willing to provide price quotes.
- Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088 – View Map - Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775 – View Map - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 – View Map
If you get answers to your satisfaction to all your questions and low cost Kia Sedona insurance quotes, you may have just found an auto insurance agent that is reliable enough to service your policy. But keep in mind you have the power to cancel your coverage at any time so never assume that you are obligated to any specific company for any length of time.
Three main reasons to buy car insurance
Despite the fact that car insurance is not cheap in Stockton, maintaining insurance is most likely required but also gives you several important benefits.
- Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Kia Sedona with a loan, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Kia at a much higher premium rate and require you to reimburse them much more than you were paying before.
- Insurance protects both your Kia Sedona and your personal assets. Insurance will pay for medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if you cause an accident and are sued. If your Kia gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car definitely exceed the cost, especially if you ever need it. The average driver in California overpays as much as $869 every year so smart consumers compare quotes at least once a year to ensure rates are competitive.
Best auto insurance company in California
Choosing the top auto insurance provider can be rather challenging considering how many different companies sell coverage in California. The ranking data below may help you decide which coverage providers to look at when looking for cheaper rates.
Top 10 Stockton Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Stockton Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Keep this in mind when shopping around
In this article, we covered a lot of ways to find affordable Kia Sedona insurance in Stockton. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest Kia Sedona rate quotes. You may even be surprised to find that the most savings is with a small mutual company.
Insureds switch companies for any number of reasons including high rates after DUI convictions, delays in paying claims, delays in responding to claim requests or high prices. Whatever your reason, switching companies is not as difficult as it may seem.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.
To learn more, link through to the articles below:
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has Cheap Stockton Auto Insurance for 4×4 Vehicles? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Felons in Stockton? (FAQ)
- Who Has Affordable Stockton Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Stockton Car Insurance Quotes for a Nissan Altima? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Credit Impacts Car Insurance Rates (State Farm)