2015 Kia Sorento Car Insurance Quotes – 5 Tips to Save

Have you had enough of robbing Peter to pay Paul to buy car insurance? You are no different than millions of other consumers.

Having so many options when it comes to auto insurance, it is hard for the average consumer to find the most affordable provider.

You need to shop coverage around on a regular basis since insurance rates go up and down regularly. Even if you got the best rates for Sorento coverage a couple years back other companies may now be cheaper. Starting now, forget all the misinformation about auto insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Take these five discounts and save

Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden auto insurance savings.

  • Resident Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Accident Free – Claim-free drivers pay less when compared to bad drivers.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Keep in mind that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

To see a list of providers with the best auto insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • At what point should I drop full coverage?
  • Why does it cost so much to insure a teen driver?
  • Do I need an umbrella policy?
  • Is my camper covered by my car insurance policy?
  • What happens if I owe more than my 2015 Kia Sorento is worth?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses such as ambulance fees, prosthetic devices, X-ray expenses, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sorento.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability insurance can cover damage that occurs to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, medical services, repair bills for other people’s vehicles, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, vandalism, rock chips in glass, damage from flooding and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Buy online or local, you save

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.

We just presented a lot of tips how to reduce 2015 Kia Sorento insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

The cheapest insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and these small insurance companies work with independent agents.

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