How Much Does 2006 Kia Sorento Insurance Cost?

Shopping for budget insurance may at first seem to be somewhat intimidating for drivers who are new to buying insurance on the internet. When there are so many online companies available, how can you have the ability to compare every company in order to find lower insurance premiums?

It’s important to take a look at other company’s rates periodically since insurance prices change frequently. Even if you think you had the lowest rates on Sorento coverage two years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

Buy insurance coverage online

Most larger insurance companies like State Farm, Allstate and GEICO allow you to get prices online. Getting quotes can be done by anyone because you just enter your coverage information into a form. After the form is submitted, their rating system sends out for your driving record and credit report and provides a quote based on many factors.

Quoting online makes it a lot easier to compare rates but the time required to go to a lot of sites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes in order to get the lowest price.

There is a better way!

An easier way to lower your rates requires only one form to return rates from multiple companies. This type of form saves time, requires less work, and makes rate comparisons a little more enjoyable. Once the form is submitted, it gets priced and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and can result in significant savings.

To save time and find out if lower rates are available, click here and enter your information. To compare your current rates, we recommend you copy the limits and deductibles exactly as they are listed on your policy. This ensures you will have an apples-to-apples comparison using the same coverage and limits.

Auto insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if your situation may require specific advice.

What is the minimum liability in my state?
Exactly who is provided coverage by my policy?
Should I sign the liability waiver when renting a car?
What is roadside assistance coverage?
Am I covered when pulling a rental trailer?
Am I covered if I break a side mirror?
Can my teen drive my company car?
Will filing a claim cost me more?
Do I really need UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverages do you need?

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Kia Sorento.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for liability

This coverage protects you from damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, prosthetic devices, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Sorento from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.