Compare 2004 Kia Sorento Insurance Rates

Buying car insurance is not really something people appreciate, but all states require it to be legal on the road.

You should make it a habit to compare rates every six months because rates change regularly. Even if you got the best price on Sorento coverage a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

Buying car insurance is easy if you know what you’re doing. Essentially anyone who buys auto insurance will be able to cut their insurance bill. But consumers can benefit by having an understanding of the methods companies use to compete online because it can help you find the best coverage.

How much can you save with discounts?

Companies offering auto insurance don’t list every available discount very well, so we researched some of the best known and the harder-to-find car insurance savings.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Driver Safety – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, follow this link.

The quickest method we recommend to compare rates is to know the fact almost all companies participate in a system to give you rate quotes. To get started, all you need to do is give them some information including an estimate of your credit level, if you lease or own, your occupation, and if your license is active. Those rating factors gets sent immediately to multiple insurance coverage providers and they respond with quotes almost instantly.

To start a rate quote now, click here and enter your coverage details.

What determines your Kia Sorento insurance premium

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Poor credit can mean higher rates – Credit score is a huge factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have lower credit scores. If your credit rating is low, you could save money insuring your 2004 Kia Sorento by repairing your credit.
  • Rate your vehicle for proper use – Driving more miles every year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your Sorento can cost quite a bit.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Liability coverage protects you – Your policy’s liability coverage provides coverage if a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.

How much car insurance do I need?

When choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether you may require specific advice.

  • When would I need additional glass coverage?
  • What if I total my 2004 Kia Sorento and owe more than it’s worth?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • If my 2004 Kia Sorento is totaled, can I afford another vehicle?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things like hail damage, fire damage, vandalism and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like emergency aid, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Sorento resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, scraping a guard rail, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as X-ray expenses, dental work, surgery, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2004 Kia Sorento.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Shop smart and save

Insureds leave their current company for many reasons like questionable increases in premium, an unsatisfactory settlement offer, policy non-renewal or poor customer service. Whatever your reason, finding a great new company can be easier than you think.

You just read a lot of ways to get a better price on 2004 Kia Sorento insurance. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier.

Cheaper insurance can be purchased online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional information can be read on the following sites: