How Much Does 2012 Kia Sorento Insurance Cost?

Drivers have options when trying to find low-cost Kia Sorento insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to buy auto insurance and you need to know the absolute fastest way to get price quotes for your Kia and get the lowest price from local insurance agents and online providers.

It’s smart to quote other rates quite often since insurance prices go up and down regularly. Even if you got the lowest price on Sorento insurance last year there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

If you are insured now or need new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. The purpose of this post is to teach you how car insurance quotes work and some tricks to saving. Consumers only need an understanding of the proper methods to compare company rates on the web.

Finding insurance coverage

Cutting your insurance coverage rates doesn’t have to be difficult. The only requirement is to spend a little time comparing rate quotes online with multiple companies. Insurance prices can be quoted by using one of the methods below.

  1. If you are pressed for time, the simplest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do multiple quote forms for every company. A single form compares rates instantly.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates requires a visit to each company website and repeat the quote process. For sake of this example, we’ll assume you want to get rates from Nationwide, GEICO and Travelers. You would need to navigate to each company’s site and enter your information, which can take a lot of time. To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you’re using exactly the same coverage data for each quote you get. If you compare different deductibles it’s impossible to truly determine the lowest rate.

Use discounts on insurance

Some insurers don’t always list every possible discount in a way that’s easy to find, so we researched a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Paperless Signup – Certain insurance companies provide a small discount for buying your policy online.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
  • Low Mileage Discounts – Driving fewer miles can earn slightly better premium rates than normal.
  • Multiple Vehicles – Buying insurance for several vehicles with one company may reduce the rate for each vehicle.
  • Driver Training Discounts – Taking part in a course in safe driver could cut 5% off your bill and make you a better driver.
  • Discount for Good Grades – Excelling in school may save as much as 25% on a insurance quote. Earning this discount can benefit you well after school through age 25.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on Sorento insurance but check with your company.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you may earn nearly 15% which can help you find the cheapest insurance.
  • Driver Education Discount – Have your child sucessfully take a drivers education course if offered at their school.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

A list of insurance companies and some of the discounts are shown below.

  • American Family has savings for accident-free, multi-vehicle, Steer into Savings, TimeAway discount, and defensive driver.
  • Nationwide includes discounts for easy pay, defensive driving, anti-theft, business or organization, and good student.
  • MetLife has discounts for good driver, claim-free, accident-free, good student, defensive driver, and multi-policy.
  • 21st Century may offer discounts for anti-lock brakes, homeowners, early bird, good student, and student driver.
  • Farmers Insurance offers premium reductions for business and professional, alternative fuel, good student, bundle discounts, multi-car, and pay in full.
  • Allstate offers discounts including anti-theft, passive restraint, good student, auto/life discount, and early signing.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies everywhere.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if you would benefit from professional advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have newly-aquired coverage?
  • When should I remove comp and collision on my 2012 Kia Sorento?
  • Does my insurance cover a custom paint job?
  • Does insurance cover damages from a DUI accident?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, X-ray expenses, chiropractic care, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, vandalism and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Kia Sorento.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, attorney fees and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Summing up your auto insurance search

You just learned a lot of techniques to compare 2012 Kia Sorento insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company.

When getting insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, poor customer service, unfair underwriting practices and high prices. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Additional auto insurance information can be read at the links below