2013 Kia Sorento Insurance Quotes

Are you at wits end from not being able to scrape enough together each month for auto insurance? You’re in the same situation as many other drivers.

There is such a variety of auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.

Buy auto insurance online

There are several ways to compare auto insurance prices but some are less labor-intensive and much quicker. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and each company then gives them pricing. This saves time by eliminating quote forms to each company.

To find out how much you can save on auto insurance click here to start a free quote.

One minor caviat to doing it this way is buyers cannot specifically choose which companies to get quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Whichever way you choose to compare rates, try to use apples-to-apples coverages and limits on every price quote you get. If your comparisons have different limits and deductibles on each one then you won’t be able to make a fair rate comparison. Just slight variations in insurance coverages can make a big difference in price. It’s important to know that comparing all the rates in your area will increase your chances of finding a better price. Some companies don’t provide online quotes, so it’s important to compare price quotes from them, too.

Insurance discounts are available to cut your rates

Insurance is not cheap nor is it fun to buy but there are discounts available that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but a few must be asked about before you get the savings.

  • Club Memberships – Having an affiliation with a qualifying organization could earn you a nice discount on your next renewal.
  • Multiple Vehicles – Drivers who insure all your vehicles on one policy qualifies for this discount.
  • Telematics Devices – Drivers who elect to allow driving data submission to look at their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Defensive Driver – Passing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life insurance policy as well.
  • College Student – Any of your kids living away from home attending college and do not take a car to college may qualify for this discount.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Popular insurance companies and a summarized list of policyholder discounts are:

  • GEICO may have discounts that include membership and employees, emergency military deployment, five-year accident-free, air bags, anti-theft, anti-lock brakes, and federal employee.
  • SAFECO offers premium reductions for multi-car, bundle discounts, anti-theft, drive less, and accident prevention training.
  • State Farm includes discounts for multiple policy, good driver, good student, driver’s education, accident-free, multiple autos, and passive restraint.
  • MetLife has discounts for good student, defensive driver, accident-free, claim-free, multi-policy, and good driver.
  • 21st Century offers discounts for defensive driver, early bird, teen driver, air bags, homeowners, and 55 and older.
  • Progressive has savings for multi-vehicle, multi-policy, good student, continuous coverage, online signing, and homeowner.

When comparing rates, check with all companies you are considering which discounts you qualify for. Discounts may not be offered in every state. For a list of insurers that offer many of these discounts, click here.

Cut insurance costs with these tips

It’s important that you understand some of the things that are used to determine auto insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that will entitle you to cheaper rates.

The following are some of the factors used by your company to calculate your rates.

  • Gender matters – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females cause at-fault accidents in similar percentages, but the males tend to have higher claims. Men also get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • No insurance claims equals cheap prices – If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance companies generally give the best rates to drivers who only file infrequent claims. Your car insurance is intended for major claims that would cause financial hardship.
  • Urban residents pay more – Being located in areas with lower population can save you money when insuring your vehicles. Less people translates into fewer accidents and also fewer theft and vandalism claims. People in densly populated areas have to deal with congested traffic and much longer commute distances. More time on the road means more chance of being in an accident.
  • Occupation reflects on rates – Jobs like military generals, architects and medical professionals generally pay the highest average rates attributed to job stress and lots of time spent at work. On the flip side, jobs like farmers, historians and the unemployed have lower than average premiums on Sorento coverage.
  • Optional features can affect auto insurance rates – Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
  • Always have auto insurance – Not having insurance is illegal and as a result your rates will increase for letting your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Avoid unnecessary extra coverages – Policies have optional add-on coverages that can add up if you aren’t careful. Insurance for things like rental car coverage, towing coverage, and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.

Everyone needs different car insurance coverages

When buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I rent a car in Mexico?
  • How can I find cheaper teen driver insurance?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my 2013 Kia Sorento?
  • Do I need special endorsements for business use of my vehicle?
  • Is pleasure use cheaper than using my 2013 Kia Sorento to commute?
  • What are the financial responsibility laws in my state?
  • Does my 2013 Kia Sorento qualify for pleasure use?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

The coverage is in the details

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, prosthetic devices, pain medications, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, structural damage, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism and a tree branch falling on your vehicle. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your Sorento resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox, scraping a guard rail, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Save your cold hard cash

You just read many ways to reduce 2013 Kia Sorento insurance premium rates online. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Lower-priced auto insurance is attainable on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers do not offer rate quotes online and usually these small, regional companies only sell through independent insurance agencies.

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