How Much Does 2004 Kia Sorento Car Insurance Cost?

Searching for cheaper insurance coverage rates for your Kia Sorento? No sane person likes buying insurance coverage, especially when they could find lower prices if they just compared rates. Big-name insurance companies like GEICO, Progressive and Allstate continually hit you with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s important to get comparison quotes as often as possible because insurance prices are rarely the same from one policy term to another. If you had the best price on Sorento insurance last year there is a good chance you can find better rate quotes now. You’ll find quite a bit of inaccurate information about insurance coverage online but I’m going to show you some guaranteed methods to find cheap insurance coverage.

The easiest way to get rate comparisons takes advantage of the fact most insurance companies allow for online access to compare their rates. The only thing you need to do is spend a couple of minutes providing details like whether you drive to work or school, your education level, your job, and your general credit rating. Your insurance information is instantly provided to multiple companies and you will get price comparisons instantly.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads for auto insurance savings by companies like 21st Century, Allstate and State Farm. They all seem to make the point that people will save just by moving to them.

How does each company charge you a lower premium? Here is the trick they use.

Insurance companies have underwriting criteria for the type of customer that will most likely be profitable. One example of this type of driver may be between the ages of 40 and 55, has other policies, and drives less than 7,500 miles a year. Any customer who fits that profile will get very good rates and most likely will save money with a new company.

Potential customers who don’t meet these criteria will get more expensive rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can advertise the savings. Because of this risk profiling, you need to get insurance coverage quotes as often as possible. It’s not possible to predict which auto insurance company will have the lowest rate quotes.

Save a ton with discounts

Some insurance providers do not list every possible discount in a way that’s easy to find, so here is a list both the well known and also the more inconspicuous discounts that may be available.

  • Active Military Service – Being deployed with a military unit may qualify for rate reductions.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars on the same insurance policy may reduce the rate for each vehicle.
  • Driver Safety – Participating in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • First Accident Forgiveness – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Sorento insurance but check with your company.
  • Paper-free Discount – A handful of larger companies give back up to $50 get insurance coverage on the internet.
  • Responsible Driver Discount – Insureds without accidents may save up to 50% more on Sorento insurance than their less cautious counterparts.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
  • Discount for Multiple Policies – If you combine your auto and homeowners policies with the same company you may save up to 20% and get you low cost insurance coverage.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, nobody gets a free ride.

To view insurers who offer online insurance quotes, click this link.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Is business property covered if stolen from my car?
  • How high should my medical payments coverage be?
  • What happens if I owe more than my 2004 Kia Sorento is worth?
  • Is motorclub coverage worth it?
  • Does liability extend to a camper or trailer?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?
  • How much liability do I need to cover my assets?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

This will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as loss of income, repair costs for stationary objects, medical services, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, chiropractic care, nursing services, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hitting a bird and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Online plus local equals savings

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. In many cases, an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Budget-friendly auto insurance is available from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer price quotes online and these regional insurance providers only sell through independent agents.

In this article, we covered some good ideas how you can lower your 2004 Kia Sorento insurance car insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

For more information, take a look at the resources below: