Cheap 2007 Kia Sorento Car Insurance Rates

Want the cheapest car insurance rates for your Kia Sorento? Tired of trying to scrape together enough money to keep your car insured? You have the same problem as many other vehicle owners. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest rate possible.

Earn discounts to get lower-cost car insurance rates

Companies that sell car insurance do not list all their discounts very well, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit available, you are not getting the best rate possible.

  • Service Members Pay Less – Having an actively deployed family member may lower your prices slightly.
  • Low Mileage – Fewer annual miles on your Kia could be rewarded with lower prices on the low mileage vehicles.
  • Discounts for Cautious Drivers – Insureds without accidents may receive a discount up to 45% for Sorento coverage than their less cautious counterparts.
  • Driver Training Discounts – Completing a defensive driving course could save 5% or more if you qualify.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a auto insurance quote.
  • Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
  • Driving Data Discount – Policyholders that allow driving data collection to monitor driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Senior Citizen Discount – Seniors may be able to get better car insurance rates for Sorento coverage.
  • Life Insurance Discount – Some car insurance companies give a lower premium rate if you buy a life policy as well.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck. Any qualifying discounts will help lower your policy premium.

Car insurance companies who may offer these discounts possibly include:

If you need cheap auto insurance quotes, ask every insurance company to apply every possible discount. Some discounts may not apply to policies in your area.

How to buy auto insurance online

Finding a lower price on 2007 Kia Sorento insurance is a fairly straight forward process. Consumers just need to take a couple of minutes to compare free auto insurance quotes provided by online insurance companies. It’s super easy and can be done using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for every prospective company. A single form compares rates from multiple companies.
  2. A harder way to obtain and compare quotes online is spending the time to visit the website of each company to request a price quote. For sake of this example, we’ll pretend you want to view quotes from GEICO, Liberty Mutual and Progressive. To find out each rate you need to spend time on each company’s site and type in your information over and over, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. If you have time to kill, the last method to comparison shop is going to each insurance agency near you. Buying insurance online makes this process obsolete unless you’re the type of person who wants the trained guidance of a local agent. It is possible to price shop online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverage limits with every price quote. If the quotes have mixed coverages then you won’t be able to make a fair comparison for your Kia Sorento.

Four factors that impact insurance rates

The best way to find cheaper auto insurance is to take a look at some of the things that help calculate the price you pay for auto insurance. When consumers understand what determines premiums, this allows you to make good choices that may result in lower premium levels.

  • Liability is peace of mind – Liability insurance is the protection if ever a court rules you are at fault for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Poor driving habits means higher premiums – Being a careful driver influences premium rates substantially. Drivers with clean records get better prices than people who have multiple driving citations. Even one chargable violation can increase rates forty percent or more. People who have flagrant violations like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Do you save by driving less? – The more you drive your Kia in a year’s time the higher the price you pay to insure it. Many insurance companies charge to insure your cars partially by how you use the vehicle. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage properly reflects the right rating data, because improper ratings can cost you money. Incorrect rating for your Sorento can result in significantly higher rates.
  • Vocation stress can affect prices – Jobs such as fire fightersairline pilots and dentists have higher average rates in part from high stress levels and long work hours. Other occupations such as actors, athletes and the unemployed pay the least for Sorento coverage.

Tailor your car insurance coverage to you

When choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine whether your personal situation may require specific advice.

  • How much liability coverage do I need in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my 2007 Kia Sorento covered for flood damage?
  • Am I covered by my spouse’s policy after a separation?
  • Is rental equipment covered for theft or damage?
  • Should I carry comprehensive and collision coverage?
  • Why do I only qualify for high-risk insurance?
  • Is a fancy paint job covered?
  • How high should deductibles be on a 2007 Kia Sorento?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Car insurance coverage options for a Kia Sorento

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sorento.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage will pay to fix damage to your Sorento resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability

This provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

The bottom line

When getting auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

We just covered a lot of information how to reduce 2007 Kia Sorento insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting affordable auto insurance. Consumers may even find the biggest savings come from the smaller companies. Smaller companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate and Progressive.

Some insurance coverage companies do not offer online quoting and most of the time these regional carriers work with local independent agencies. Cheaper 2007 Kia Sorento insurance can be found on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about insurance coverage can be found below: