Compare 2013 Kia Sorento Insurance Quotes

Searching for lower insurance rates for your Kia Sorento? Feel like you’re a prisoner to high-priced insurance? Trust us, there are lots of people in the same boat. There are many insurers to pick from, and although it’s nice to have a choice, too many choices makes it more difficult to compare rates and cut insurance costs.

It’s a great practice to get comparison quotes once or twice a year since rates change quite often. Even if you got the best price on Sorento insurance a few years ago a different company probably has better rates today. You can find a lot of wrong information about insurance online, so I’m going to show you some great ways to put money back in your pocket.

The best way to get policy rate comparisons utilizes the fact car insurance companies participate in online systems to compare their rates. The one thing you need to do is provide a little information like your education level, the type of vehicles you drive, if you lease or own, and whether you are married. That rating information is then sent to multiple different insurance companies and you will receive price estimates instantly.

To find the cheapest Kia Sorento insurance rates, click here then complete the form.

Policy discounts you shouldn’t miss

Car insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • E-sign – A handful of insurance companies give back up to $50 simply for signing digitally online.
  • Drive Less and Save – Fewer annual miles on your Kia could qualify for better rates on cars that stay parked.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Discount – Older drivers may receive a discount up to 10% on Sorento insurance.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Sorento insurance than their less cautious counterparts.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Sorento insurance with a few insurance companies.

It’s important to understand that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurers offering insurance discounts, follow this link.

Complexity of Kia Sorento insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance coverage. Knowing what influences your rates allows you to make educated decisions that can help you get big savings.

  • How many coverages with the same company – Some insurance coverage companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Do you have enough liability coverage? – Liability insurance will protect you if you are found liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Extra add-on coverages are wasting money – There are a lot of additional coverages that can waste your money when buying insurance coverage. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Having a spouse can save you money – Having a wife or husband can get you a discount when buying insurance coverage. Having a significant other means you’re more mature and it’s proven that being married results in fewer claims.
  • Where you live is a factor – Choosing to live in a rural area can save you money when it comes to insurance coverage. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Kia Sorento scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Insurance agents can help

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover if you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Is motorclub coverage worth it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Will my insurance pay for OEM parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my custom paint covered by insurance?
  • Can I rent a car in Mexico?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Can you really save $487 a year?

Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the ads say the same thing that you’ll save big if you switch to them.

How do they all claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of customer they prefer to insure. An example of a preferred risk could be between the ages of 40 and 55, a clean driving record, and has a short commute. Any driver who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Drivers who don’t qualify for these standards will be charged higher premiums which leads to the customer not buying. The ad wording is “drivers who switch” not “people who quote” save money. That’s the way insurance companies can make those claims. That is why drivers must compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Kia Sorento insurance rates.

Auto insurance coverage information

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Kia Sorento.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, falling objects and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, EMT expenses, dental work and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your Sorento from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, scraping a guard rail, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Compare but don’t skimp

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Cheaper 2013 Kia Sorento insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

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