Compare 2003 Kia Sorento Insurance Cost

Looking for lower insurance rates for your Kia Sorento? Finding low-cost insurance for a Kia Sorento can turn out to be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to find insurance online and we’ll show you the proper way to compare rates for a new or used Kia and get the best price possible either online or from local insurance agents.

It’s a good idea to get comparison quotes at least once a year due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price on Sorento insurance a year ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest way to get good coverage at a lower rate.

Free Quotes for Insurance Coverage

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can utilize online quoting to quickly compare rates.

Many companies participate in a marketplace that enables customers to send in one quote, and each company then gives them pricing. This saves time by eliminating quote forms to each individual insurance coverage company.

To participate in this free quote system, click here to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which carriers to receive prices from. So if you prefer to choose individual companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples quote information with each company. If you enter different deductibles then you won’t be able to truly determine the lowest rate.

Companies offer discounts so take them!

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Sorento insurance with a few car insurance companies.
  • Low Mileage – Keeping the miles down on your Kia could be rewarded with a substantially lower rate.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Sorento insurance than less cautious drivers.
  • Save over 55 – Mature drivers may receive a discount up to 10% on Sorento insurance.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of providers offering car insurance discounts, click this link.

Why your Kia Sorento might be costing you more

It’s important that you understand some of the elements that come into play when calculating insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Too many insurance claims drive up costs – If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance companies give cheaper rates to people who do not file claims often. Car insurance is intended for larger claims.
  • Discounts for married couples – Having a spouse can actually save you money when buying insurance. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Do you know your deductibles? – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Kia. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the lower your rates will be on Sorento insurance.
  • Your job and insurance rates – Jobs such as lawyers, business owners and dentists are shown to have the highest average rates in part from job stress and lengthy work days. Other occupations like scientists, historians and the unemployed pay the least on Sorento insurance.
  • No coverage gaps is important – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Younger drivers pay higher rates – Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be careless and easily distracted behind the wheel therefore insurance rates are much higher.

Do I just need basic coverages?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation might need professional guidance.

  • When should I drop full coverage on my 2003 Kia Sorento?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I wreck a rental car?
  • How does medical payments coverage work?
  • Do I have coverage if my license is suspended?
  • I have health insurance so do I need medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of car insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision protection

Collision coverage will pay to fix damage to your Sorento from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, backing into a parked car, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, rehabilitation expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, hitting a bird and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Kia Sorento.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Auto liability

Liability insurance will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like loss of income, funeral expenses, court costs, pain and suffering and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Better coverage you can count on

We’ve covered many ideas to reduce 2003 Kia Sorento insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest rates come from the least-expected company.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, delays in paying claims and even policy cancellation. Whatever your reason, finding a great new company can be easy and end up saving you some money.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

Much more information about car insurance can be found below: