View 2014 Kia Sorento Car Insurance Rates

Finding low-cost insurance for your Kia Sorento can turn out to be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to compare rates on a Kia and find the cheapest rates from both online companies and local agents.

Are you receiving every discount?

Car insurance is not cheap, but there may be some discounts that many consumers don’t even know exist. Some trigger automatically when you purchase, but some must be specifically requested prior to receiving the credit.

  • Driver’s Education for Students – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
  • College Student – Kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Kia could be rewarded with lower rates on the low mileage vehicles.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can save you some money since newer models have better safety ratings.
  • Accident Waiver – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • Telematics Data Discounts – Drivers who elect to allow data collection to track where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
  • Good Grades Discount – Excelling in school may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.

It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will lower the amount you pay for coverage.

Insurance companies that may offer quotes with most of these discounts possibly include:

Check with all companies you are considering which discounts they offer. Some discounts listed above might not be available to policyholders in your area. To find insurance companies offering auto insurance discounts, click here to view.

The cheapest auto insurance quotes online

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to agents in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can provide price quotes. This saves time by eliminating quote forms to each individual auto insurance company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose from a list of companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you compare nearly identical quote data on every price quote you get. If you are comparing unequal deductibles or liability limits you will not be able to find the best deal for your Kia Sorento.

When in doubt talk to an agent

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out if your situation could use an agent’s help.

  • Should I buy additional glass protection?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why do I only qualify for high-risk insurance?
  • Do I need an umbrella policy?
  • If my 2014 Kia Sorento is totaled, can I afford another vehicle?
  • Is a fancy paint job covered?

If it’s difficult to answer those 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, take a second and complete this form. It is quick, free and you can get the answers you need.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability – This protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, emergency aid, medical services, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like nursing services, prosthetic devices, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance covers damage to your Sorento resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – This coverage 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 coverage pays for claims such as hitting a bird, vandalism, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Have the Midas touch

Lower-priced auto insurance can be found online as well as from independent agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and usually these small, regional companies sell through local independent agencies.

When you buy car insurance online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

Consumers leave their current company for any number of reasons including questionable increases in premium, denial of a claim, policy cancellation or delays in paying claims. Regardless of your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

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