Want to learn how to buy cheaper insurance rates in Cleveland, OH? Cleveland shoppers have many options when shopping for low-cost Kia Sedona insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to compare rates. There is a better way to buy insurance and we’ll show you the proper way to price shop coverage on a Kia and obtain the lowest possible price from Cleveland insurance agents and online providers.
If you’re already insured or want to find a cheaper company, you can use these techniques to shop for the lowest rates without sacrificing coverage. This information will teach you a little about the most effective ways to compare rates and some money-saving tips. Drivers just have to know the quickest way to find the lowest price online.
Cheap Kia Sedona insurance rates in Cleveland
Companies offering auto insurance don’t always advertise the entire discount list very clearly, so the below list has some of the best known in addition to some of the lesser obvious credits that may apply to you.
- Driver’s Ed – Teen drivers should successfully take a driver’s education course if it’s offered in school.
- Renewal Discounts – Select auto insurance companies give a discount for signing up before your current expiration date. This discount can save up to 10%.
- Waiver for an Accident – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO may permit one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
- Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
- Passive Restraints – Cars that have air bags can get savings of more than 20%.
- Safe Driver Discount – Accident-free drivers can save as much as half off their rates than drivers with accident claims.
- Low Mileage Discounts – Low annual miles may allow you to get slightly better auto insurance rates than normal.
- Auto/Life Discount – Larger auto insurance companies have a lower premium rate if you buy life insurance from them.
- Discount for New Cars – Insuring a new Sedona may earn a small discount because new vehicles have to meet stringent safety requirements.
Don’t be surprised that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will help lower your overall bill.
The illustration below illustrates the difference between Kia Sedona insurance rates with and without some available policy discounts. The premiums assume a male driver, no claims, a clean driving record, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.
The best auto insurance companies and some of the premium reductions they offer are included below.
- State Farm may offer discounts for driver’s education, passive restraint, Steer Clear safe driver discount, good student, good driver, and accident-free.
- Farmers Insurance offers premium reductions for electronic funds transfer, homeowner, teen driver, alternative fuel, early shopping, and switch companies.
- Progressive offers discounts for homeowner, continuous coverage, online signing, multi-policy, and online quote discount.
- GEICO discounts include driver training, anti-theft, federal employee, seat belt use, multi-vehicle, anti-lock brakes, and membership and employees.
- Auto-Owners Insurance has discounts for good student, safe vehicle, air bags, multi-policy, and multiple vehicles.
- The Hartford has savings for bundle, driver training, good student, defensive driver, anti-theft, and vehicle fuel type.
- Farm Bureau may have discounts that include 55 and retired, multi-policy, renewal discount, safe driver, and driver training.
- USAA includes discounts for family discount, safe driver, multi-vehicle, new vehicle, vehicle storage, annual mileage, and military installation.
When getting free Cleveland auto insurance quotes, it’s a good idea to every prospective company the best way to save money. A few discounts may not be offered in every state. If you would like to view insurance companies offering auto insurance discounts in Ohio, click here.
Getting a more affordable price on insurance is not rocket science. All you need to do is invest a little time to compare rates from online providers.
The companies in the list below have been selected to offer free rate quotes in Cleveland, OH. In order to find cheaper auto insurance in Cleveland, it’s highly recommended you compare several of them in order to find the cheapest rates.
Facts and figures for Kia Sedona insurance
The coverage information shown next showcases estimates of insurance rates for Kia Sedona models. Having a better understanding of how auto insurance prices are formulated can aid in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $222 | $290 | $252 | $14 | $76 | $854 | $71 |
| Sedona LX | $222 | $352 | $252 | $14 | $76 | $916 | $76 |
| Sedona EX | $252 | $352 | $252 | $14 | $76 | $946 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific garaging location which can influence coverage rates significantly.
Comparison of policy deductibles
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The following tables illustrate how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $196 | $290 | $192 | $12 | $58 | $773 | $64 |
| Sedona LX | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| Sedona EX | $220 | $352 | $192 | $12 | $58 | $859 | $72 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $142 | $196 | $192 | $12 | $58 | $600 | $50 |
| Sedona LX | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| Sedona EX | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can change premium rates noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $16 more each month or $192 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 25 months between claims, you would come out ahead if you opt for a higher deductible.
The chart below highlights how deductible choice and can increase or decrease Kia Sedona insurance rates for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, and no discounts are factored in.
Local Cleveland insurance agencies
Some consumers would rather have an agent’s advice and that is a personal choice. Good insurance agents can help determine the best coverages and will help you if you have claims. An additional benefit of comparing rate quotes online is that drivers can save money and get cheap car insurance rates and still choose a local agent.
By using this short form, the quote information is transmitted to local insurance agents that can provide free Cleveland auto insurance quotes to get your business. There is no reason to search for any insurance agencies since rate quotes are delivered directly to you. If you have a need to get a comparison quote from one company in particular, feel free to search and find their rate quote page and complete a quote there.
Choosing the best insurance company should depend on more than just the bottom line cost. Any agent in Cleveland should be forthright in answering these questions:
- Do they specialize in personal lines auto insurance in Cleveland?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they get extra compensation for selling add-on coverages?
- If your car is totaled, how to they determine the replacement cost?
- Do they prorate repair cost based on vehicle mileage?
- Is insurance their full-time profession?
If you would like to find local Cleveland agents, there are a couple of types of agencies that differ in how they can insure your vehicles. Car insurance agencies are either exclusive or independent agents depending on their company appointments. Both can sell car insurance policies, but it is a good idea to know the subtle differences since it can impact the selection process.
Exclusive Car Insurance Agents
Agents in the exclusive channel can only provide pricing for a single company such as AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so always compare other rates. These agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets. A lot of people use the same agent partially due to the brand name rather than low rates.
Below is a list of exclusive agents in Cleveland who can help you get comparison quotes.
- Wendy Narad Agency – Farmers Insurance
24800 Chagrin Blvd #100 – Cleveland, OH 44122 – (216) 292-3803 – View Map - Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map - Anita Tyler – State Farm Insurance Agent
2168 S Taylor Rd – Cleveland Heights, OH 44118 – (216) 371-5900 – View Map
Independent Agencies or Brokers
Independent agencies are not restricted to one company and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency. When comparing car insurance prices, we recommend you get rate quotes from several independent agencies in order to compare the most rates. Most also write with smaller mutual companies which may have better rates.
Listed below are independent insurance agencies in Cleveland that are able to give rate quotes.
- Brown Brown Insurance Services
3691 Lee Rd #210 – Cleveland, OH 44120 – (216) 751-2713 – View Map - Hubbard Insurance Agency
22255 Center Ridge Rd #202 – Rocky River, OH 44116 – (440) 333-4450 – View Map - Anthony Insurance
508 E 185th St – Cleveland, OH 44119 – (216) 531-5555 – View Map
After receiving good feedback to these questions as well as a affordable price, chances are good that you have found a car insurance agent that meets your needs to adequately provide car insurance.
How to find a good Ohio auto insurance company
Insuring your vehicle with the right insurance provider can be a challenge considering how many companies there are to choose from in Cleveland. The company information below could help you analyze which companies to look at when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
The lowest rates come from being thorough
In this article, we covered many tips how you can shop for Kia Sedona insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced car insurance comes from a small local company.
Discount Kia Sedona insurance in Cleveland can be purchased on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer online rate quotes and many times these smaller companies work with local independent agencies.
When searching for low cost Cleveland auto insurance quotes, do not buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and learned later that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest price, but do not skimp to save money.
How to buy low-cost Kia Sedona insurance in Cleveland
If you want to find the absolute lowest rates, then the best way to find affordable car insurance rates in Cleveland is to start comparing rates regularly from insurance carriers who provide car insurance in Ohio.
- Read about coverages and the modifications you can make to lower rates. Many rating criteria that cause rate increases like speeding tickets, accidents and a low credit score can be amended by making minor driving habit or lifestyle changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can provide rate quotes from many different companies. View insurance agents
- Compare the new quotes to the price on your current policy to see if cheaper Sedona coverage is available in Cleveland. If you can save some money, make sure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel your current car insurance policy. Submit any necessary down payment along with the completed application for your new coverage. Immediately upon receiving it, store the certificate verifying coverage with your registration paperwork.
A good piece of advice is to make sure you’re comparing similar deductibles and liability limits on every price quote and and to get price quotes from as many carriers as you can. This ensures a fair rate comparison and the best price quote selection.
For more information, link through to the resources below:
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a School Permit in Cleveland? (FAQ)
- Who Has Affordable Cleveland Auto Insurance Rates for Teenage Males? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Understanding your Policy (NAIC.org)