2017 Kia Sorento Insurance Cost – 9 Ways to Save

Trying to find lower auto insurance rates for your Kia Sorento? Have you fallen victim to an expensive auto insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate all claim big savings with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.

It’s a good idea to do price comparisons yearly because auto insurance prices fluctuate regularly. If you had the lowest price on Sorento insurance six months ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.

How to get free auto insurance quotes online

When shopping for auto insurance there are multiple ways of comparing rates from many available auto insurance companies in your state. The best method to compare 2017 Kia Sorento insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. Probably the best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotes for every prospective company. Just one form compares rates from all major companies.
  2. A more difficult way to find more affordable insurance consists of visiting each company’s website and fill out a new quote form. For example, we’ll assume you want to get rates from USAA, State Farm and Progressive. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming way to comparison shop rate quotes is going to each insurance agency near you. Quoting online has reduced the need for local agents unless you have a need for the guidance of a local agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area.

How you compare quotes is your choice, just make sure you compare exactly the same coverage limits with every price quote. If you compare differing limits it will be next to impossible to make a fair rate comparison. Slightly different coverages may result in large price differences. Just keep in mind that comparing more rates from different companies helps you find a lower rate. Some insurance companies are not set up to provide price estimates online, so it’s necessary to compare prices from them, too.

Find hidden discounts on insurance

Car insurance companies don’t necessarily list all possible discounts very clearly, so the list below contains some of the more common and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Mature Driver Discount – Drivers over the age of 55 could receive a slight reduction on a insurance coverage quote on Sorento insurance.
  • Switch and Save Discount – Some larger companies reward drivers for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Good Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Sorento insurance than less cautious drivers.
  • Military Rewards – Being on active duty in the military may lower your rates slightly.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Federal Employees – Federal government employees may qualify for a discount when you quote insurance coverage on Sorento insurance with select insurance companies.
  • Life Insurance – Some insurance companies give better insurancerates if you take out auto and life insurance together.
  • Waiver for an Accident – Not really a discount, but some insurance companies permit an accident before raising your premiums if you are claim-free for a specific time period.
  • E-sign – A handful of larger companies will discount your bill up to fifty bucks for buying your policy on the web.

As is typical with insurance, some credits don’t apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though it may seem like you could get a free insurance policy, nobody gets a free ride.

Car insurance companies that may have these discounts include:

If you need low cost insurance coverage quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not apply everywhere. If you would like to see a list of insurance companies who offer free insurance quotes, click here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Is a blown tire covered by insurance?
  • What happens if I owe more than my 2017 Kia Sorento is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I wreck a rental car?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Collision coverage – This coverage will pay to fix damage to your Sorento resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, fire damage, hitting a deer and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical services, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Have the Midas touch

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. The goal is to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

We’ve covered some good ideas how you can compare 2017 Kia Sorento insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

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