Lower Your 2012 Kia Sorento Insurance Quotes

Are you sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as the majority of other car owners.

With so many insurance companies to choose from, it’s difficult to choose the best insurer.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about every vehicle owner who carries auto insurance will more than likely be able to find lower rates. Although vehicle owners can benefit from knowing how companies market insurance on the web because it can help you find the best coverage.

Factors that can influence insurance rates for a Kia Sorento

An important part of buying insurance is that you know the factors that help determine your insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Policy add-ons can waste money – There are many additional coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Kia Sorento is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Careful drivers pay lower rates – Your driving citation history has a big impact on rates. Just one speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to continue driving.
  • Older drivers save more – Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to get distracted easily in a vehicle and because of this, their insurance coverage rates are much higher.
  • Higher deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Kia. Examples of covered claims are collision with another vehicle, damage from fire, or theft. The deductibles are how much you are required to spend if you file a covered claim. The more money you’re willing to pay, the less your insurance coverage will be on Sorento insurance.
  • More people means more accidents – Choosing to live in small towns and rural areas has it’s advantages when talking about insurance coverage. Urban drivers have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Sex matters – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. They both cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like reckless driving and DUI.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always publicize every discount very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Distant Student – Children who are attending college and do not have a car may be able to be covered for less.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Sorento insurance depending on your company.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount on your policy on Sorento insurance.

It’s important to note that many deductions do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask each company what discounts are available to you. Some discounts may not be available in every state.

Insurance coverage myths debunked

Insurance coverage companies such as Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to make an identical promise of big savings if you switch to their company. How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer might be between 25 and 40, is a homeowner, and drives newer vehicles. A customer who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Consumers who do not match the requirements will be quoted a more expensive rate and this can result in business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can make those claims. This emphasizes why drivers should get as many quotes as possible. It is impossible to predict the company that will provide you with the cheapest Kia Sorento insurance rates.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Should I buy full coverage?
  • Should I have combined single limit or split liability limits?
  • Do I need replacement cost coverage?
  • Do I have newly-aquired coverage?
  • What happens if I owe more than my 2012 Kia Sorento is worth?
  • How can I get my company to pay me more for my totalled car?
  • Do I need replacement cost coverage on my 2012 Kia Sorento?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage breakdown

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Collision insurance

This pays for damage to your Sorento caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, backing into a parked car, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, legal defense fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like nursing services, funeral costs and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, damage from flooding and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Kia Sorento.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Be a smart shopper

Cost effective 2012 Kia Sorento insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.

In this article, we covered a lot of information how to shop for insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured cut liability coverage limits only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.

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