Finding low-cost insurance for a Kia Sedona in Michigan can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to compare rates for a Kia and obtain the lowest possible price from both online companies and Detroit agents.
Unbelievably, most consumers have been with the same company for over three years, and approximately 40% of consumers have never even compared rates from other companies. Consumers in Detroit could save up to 65% a year by just comparing rate quotes, but most undervalue the benefits if they switched to a more affordable policy.
Locating the best rates in Detroit can be easy if you know a few tricks. If you have coverage now or are looking for a new policy, use these money-saving tips to cut your premiums and still get good coverage. Consumers just need to learn the most effective way to compare rate quotes using one simple form.
The providers in the list below can provide comparison quotes in Michigan. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to find the most affordable rates.
Rates and data analysis
The table displayed below highlights estimates of rate quotes for Kia Sedona models. Having a good grasp of how auto insurance policy rates are established can assist in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $426 | $686 | $710 | $42 | $212 | $2,076 | $173 |
| Sedona LX | $426 | $834 | $710 | $42 | $212 | $2,224 | $185 |
| Sedona EX | $480 | $834 | $710 | $42 | $212 | $2,278 | $190 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can influence premiums greatly.
Deductible analysis
The hardest decision when buying coverage is which deductible level should you buy. The figures shown below can help you understand the difference in cost when you choose different deductibles. The first rate table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $594 | $882 | $586 | $34 | $176 | $2,297 | $191 |
| Sedona LX | $594 | $1074 | $586 | $34 | $176 | $2,489 | $207 |
| Sedona EX | $670 | $1074 | $586 | $34 | $176 | $2,565 | $214 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $330 | $464 | $586 | $34 | $176 | $1,590 | $133 |
| Sedona LX | $330 | $566 | $586 | $34 | $176 | $1,692 | $141 |
| Sedona EX | $372 | $566 | $586 | $34 | $176 | $1,734 | $145 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in your specific Detroit location which can influence insurance rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $64 more each month or $768 a year across all Kia Sedona models than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would most likely save money going with the higher deductible. The table below shows the way you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $204 |
| Average monthly premium for $1,000 deductibles (subtract): | – $140 |
| Monthly savings from raising deductible: | $64 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $64 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One big caveat is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. That will require some available funds in the event you need to pay more for the deductible.
The diagram below demonstrates how deductibles and can change Kia Sedona yearly insurance costs for different ages of insureds. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.
How accidents and violations affect rates in Detroit
The example below highlights how traffic violations and at-fault fender-benders raise Kia Sedona yearly insurance costs for each age group. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
You are unique and your insurance should be too
When it comes to coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that.
Here are some questions about coverages that could help you determine if you will benefit from professional help.
- What is the ISO rating for a Kia Sedona?
- What are the best liability limits?
- Do I pay less if my vehicle is kept in my garage?
- What is medical payments coverage?
- How much can I save by bundling my policies?
- When should I remove my kid from my policy?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.
Exclusive and independent auto insurance agents
Certain consumers would prefer to buy from a local agent and doing so can bring peace of mind Licensed agents can help you choose the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that drivers can get the best rates and still have an agent to talk to.
After completing this quick form, the coverage information is transmitted to companies in Detroit that can give you free Detroit car insurance quotes for your car insurance coverage. You won’t need to find an agent on your own since price quotes are sent straight to your inbox. In the event you want to compare rates from a specific car insurance provider, feel free to jump over to their website and give them your coverage information.
Finding the right insurance company shouldn’t rely on just a low price. Below are some questions you should ask.
- Can you get a list of referrals?
- Does the company allow you to choose your own collision repair facility?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are claims handled at the agent’s location?
- Will the agent help in case of a claim?
- Which insurance companies are they affiliated with?
- Does the agency have a good rating with the Better Business Bureau?
When looking for a reliable insurance agency, it can be helpful to understand the different types of agents and how they can write your policy. Car insurance agencies may be either exclusive or independent (non-exclusive). Both provide car insurance policies, but it’s worth mentioning the difference in how they write coverage since it may influence which type of agent you select.
Exclusive Insurance Agencies
Exclusive agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often use the same agent mostly because of loyalty to the company instead of buying on price only.
Shown below is a list of exclusive agencies in Detroit that are able to give price quotes.
- Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map - Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334 – View Map - Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020 – View Map
Independent Car Insurance Agents
Independent agents are not employed by one company and that is an advantage because they can write policies with multiple insurance companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally and you can keep the same agent.
If you need lower rates, you absolutely need to get rate quotes from a couple of independent agencies to get the most accurate price comparison. Many write coverage with smaller mutual companies that may have much lower rates than larger companies.
Below is a list of independent insurance agents in Detroit that are able to give price quote information.
- Detroit Auto Insurance
620 Woodward Ave – Detroit, MI 48226 – (517) 618-1693 – View Map - L.A. Insurance
17516 Livernois Ave – Detroit, MI 48221 – (313) 863-6000 – View Map - Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600 – View Map