2017 Kia Sorento Car Insurance Rates

Want cheaper car insurance rates for your Kia Sorento? Nobody I know anticipates paying for car insurance, especially when they know they could lower their rates if they shopped around.

There is such a variety of insurers to pick from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

Take advantage of every insurance discount

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but some need to be asked about prior to receiving the credit.

• Sign Online – Many insurance companies will provide an incentive for buying your policy on the internet.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Sorento coverage but check with your company.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get lower premium rates due to less chance of an accident.
• Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
• Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Driver Training Discounts – Successfully completing a defensive driver course is a good idea and can lower rates and also improve your driving technique.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and the discounts they provide are shown below.

• The Hartford may have discounts that include bundle, air bag, anti-theft, good student, and defensive driver.
• American Family policyholders can earn discounts including defensive driver, good driver, mySafetyValet, bundled insurance, early bird, TimeAway discount, and accident-free.
• Progressive offers premium reductions for online signing, good student, online quote discount, continuous coverage, homeowner, multi-vehicle, and multi-policy.
• Travelers may offer discounts for hybrid/electric vehicle, save driver, multi-policy, home ownership, continuous insurance, and payment discounts.
• Farmers Insurance includes discounts for switch companies, alternative fuel, business and professional, electronic funds transfer, and bundle discounts.
• USAA discounts include new vehicle, annual mileage, good student, safe driver, loyalty savings, defensive driver, and military installation.
• Liberty Mutual has savings for hybrid vehicle, safety features, multi-car, preferred payment discount, new move discount, and exclusive group savings.

Check with every company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To see insurance companies that offer many of these discounts, click this link.

Insurance quotes comparison

All major insurance companies give coverage price quotes on their websites. Getting online rates is pretty easy as all you need to do is type in the amount of coverage you want on the page. When complete, the system automatically retrieves reports for credit and driving violations and provides a quote based on these factors. Being able to quote online simplifies rate comparisons, but the time required to go to each company’s website and repetitively type in your information gets old quite quickly. But it’s very important to get many rate quotes if you want to find the lowest insurance rates.

There is a better way!

The preferred way to find better insurance pricing utilizes a single form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping a lot less work. After sending the form, it is rated and you can choose any or none of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and may result in a nice savings.

To find out how much you’re overpaying now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have an apples-to-apples comparison for similar insurance coverage.

Components of your Kia Sorento insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for insurance coverage. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can earn you lower rates. Many different elements are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other factors are more obscure like your continuous coverage or your commute time.

Shown below are some of the items used by insurance companies to determine your prices.

• Don’t get traffic citations – Your driving citation history can have a huge impact on auto insurance premiums. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Having a single speeding ticket can bump up the cost forty percent or more. Drivers who get dangerous citations like DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
• Lower rates with alarm systems – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft.
• Safer the car lower the rate – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection means less money paid by your insurance company which can result in lower premiums. If your Kia is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
• Your employer is a factor – Careers such as fire fightersair traffic controllers and accountants have higher rates than average due to high stress levels and extremely grueling work hours. Other jobs such as scientists, athletes and the unemployed get better rates on Sorento coverage.

How to know if you need help

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might point out if your situation might need professional guidance.

• Do I have any recourse if my insurance company denies a claim?
• Does insurance cover damages from a DUI accident?
• What are the financial responsibility laws in my state?
• How do I file an SR-22 for a DUI in my state?
• How much liability insurance is required?
• Should I buy additional glass protection?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance companies are expert advertisers

Insurance providers like State Farm, Allstate and Geico constantly bombard you with ads in print and on television. They all seem to make the point about savings if you switch to them. Is it even possible that every company can give you a lower rate?

Companies have a certain “appetite” for a prospective insured that earns them the highest profit. For instance, this type of driver might be described as married and over the age of 30, carries full coverage, and drives less than 5,000 miles a year. Anyone that fits those parameters gets the lowest premium rates and will probably save a lot of money.

Insureds who cannot meet the “perfect” profile will be quoted higher prices which results in the customer buying from someone else. The ad wording is “people that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make those statements. Different companies use different criteria so you absolutely need to get auto insurance quotes from several different companies. It’s not possible to predict the company that will have the best rates for your profile.

Auto insurance coverages

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Collision coverage

This coverage will pay to fix damage to your Sorento caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from damage that occurs to other people or property. It protects you from claims by other people. Liability doesn’t 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 policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as court costs, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for prosthetic devices, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Kia Sorento.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision

This 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 claims like fire damage, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Saving money makes a lot of cents

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage and learned later that they should have had better coverage. Your goal is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

The cheapest 2017 Kia Sorento insurance can be bought on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer online rate quotes and usually these small insurance companies only sell coverage through local independent agencies.

Additional detailed information can be read by following these links:

• Think You’re a Safe Driver? (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Child Safety FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)