A study showed that a large majority of drivers have bought car insurance from the same company for four years or more, and nearly half have never compared rates from other carriers. With the average car insurance premium being $2,679, Laredo drivers can cut their rates by roughly 70% a year by just comparing quotes, but they feel it’s too difficult to shop around.
If your goal is the lowest price, then the best way to find lower priced car insurance rates is to start comparing prices regularly from different companies that insure vehicles in Laredo. Rate comparisons can be done by following these steps.
- Step 1: Try to learn about how your policy works and the things you can control to prevent expensive coverage. Many rating factors that are responsible for high rates like speeding tickets, accidents and your credit history can be rectified by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can quote rates for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find a better price, verify that coverage does not lapse between policies.
- Step 4: Notify your agent or company of your intent to cancel your current car insurance policy. Submit a down payment along with a completed application to the newly selected company. Make sure you keep your new certificate verifying proof of insurance in your glove compartment.
One important bit of advice is that you use identical deductibles and limits on every quote request and and to get prices from as many different insurance providers as possible. Doing this enables a fair price comparison and plenty of rates choose from.
Finding a lower price on Kia Sedona insurance is a fairly straight forward process. You just have to spend a few minutes to compare rate quotes online with multiple companies.
The following companies are our best choices to provide free rate quotes in Texas. To find the best car insurance in TX, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Rates and statistics
The price information below outlines different rate quotes for Kia Sedona models. Having insight into how premiums are calculated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $206 | $322 | $340 | $20 | $102 | $990 | $83 |
| Sedona LX | $206 | $392 | $340 | $20 | $102 | $1,060 | $88 |
| Sedona EX | $232 | $392 | $340 | $20 | $102 | $1,086 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific location which can revise rates significantly.
Can higher deductibles save money?
When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below summarize the rate difference when you select higher and lower deductibles. The first data table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| Sedona LX | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Sedona EX | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $240 | $328 | $324 | $20 | $96 | $1,008 | $84 |
| Sedona LX | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| Sedona EX | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific location which can influence insurance rates greatly.
Based on the above data, using a $250 deductible costs roughly $14 more each month or $168 for a full year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claim filings, you would most likely save money by going with a higher deductible. Here is the way you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more when you have a physical damage claim. You should have some available funds in the event you have to pay the deductible.
The illustration below demonstrates how deductibles and can affect Kia Sedona premium costs for different insured age categories. The premium estimates are based on a single female driver, full coverage, and no discounts are applied.
Kia Sedona annual premiums for males versus females
The example below illustrates the comparison of Kia Sedona insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Buying car insurance from Laredo car insurance agents
Some consumers would rather sit down and talk to an agent and we recommend doing that Professional agents will help you protect your assets and will help you if you have claims. The best thing about getting online price quotes is that you can find lower rates and still have a local agent.
By using this simple form, your information is immediately sent to agents in your area that provide free Laredo car insurance quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home because quoted prices will be sent to the email address you provide. If for some reason you want to compare rates from one company in particular, you can always go to their quote page and submit a quote form there.
Choosing a insurer shouldn’t rely on just the quoted price. You should also get answers to these questions.
- How would your car be valued if totaled?
- Is assistance available after office hours?
- Are they giving you every discount you deserve?
- Is there any savings for paying the full premium?
- Can you get a list of referrals?
- Can glass claims be handled at your home?
- Are claims handled at the agent’s location?
Shown below is a list of auto insurance companies in Laredo that can give you rate quotes for Kia Sedona insurance in Laredo.
- Farmers Insurance – Rene Benavides
8218 Casa Verde Rd, A-5 – Laredo, TX 78041 – (956) 723-9511 – View Map - Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445 – View Map - Allstate Insurance Agent: Luis Cardenas
1418 E Saunders St Ste 1 – Laredo, TX 78041 – (956) 726-8944 – View Map - FalconSure Insurance Agency
7718 McPherson Rd #3 – Laredo, TX 78045 – (956) 794-9700 – View Map