2016 Kia Sorento Insurance Cost

Searching for better insurance rates for your Kia Sorento? Being forced to pay for expensive insurance premiums can draw down your funds and make it impossible to make ends meet. Comparing price quotes can help to make ends meet.

Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Finding the best rates is quite easy. Consumers only need an understanding of how to shop their coverage around online.

Compare insurance rates

All major insurance companies make it easy to get pricing direct online. Getting prices online is quite simple as you just type in your personal and coverage information as detailed in the form. Once entered, their quoting system makes automated requests for credit information and your driving record and gives you a price quote based on these factors. This helps simplify price comparisons, but the work required to visit many different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for lower prices.

A better way to get multiple rate quotes requires only one form that gets price quotes from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is rated and you can choose your choice of the quotes returned. If you find a better price you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you duplicate the coverages just like they are on your policy. Using the same limits helps guarantee you are getting rate quotes for exact coverage.

Discounts for affordable insurance coverage rates

Properly insuring your vehicles can get expensive, but there could be significant discounts that many consumers don’t even know exist. Some discounts apply automatically when you complete an application, but some need to be specifically requested in order for you to get them.

  • Discount for Home Ownership – Just being a homeowner can save a few bucks since home ownership shows financial diligence.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
  • Air Bags and Passive Restraints – Factory options such as air bags may get savings of up to 25% or more.
  • Discount for Swiching Early – Some larger companies give discounts for signing up before your current expiration date. It could save around 10% when you buy auto insurance online.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

Some of the larger companies that possibly offer these benefits may include but are not limited to:

If you want cheaper auto insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area. To locate insurance coverage companies that offer multiple discounts, click this link.

Eight factors that impact insurance prices

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine your premiums. If you understand what impacts premium levels, this enables informed choices that will entitle you to lower premium levels.

The factors shown below are some of the most common factors used by companies to determine prices.

  • Prevent your car from being stolen – Selecting a car model that has an advanced theft prevention system can save you some money. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Lower rates by increasing comp and collision deductibles – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered are collision with another vehicle, damage from fire, and having your car stolen. The deductibles define the amount the insured will be required to pay before your car insurance pays a claim. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance for Sorento coverage.
  • Driver age impacts premiums – Older, more experienced drivers tend to be more responsible, file fewer claims and are safer drivers.Teenage drivers have been known to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
  • City traffic equals higher costs – Residing in a rural area is a good thing when it comes to car insurance. Less people means fewer accidents. Drivers in populated areas have to deal with more road rage incidents and longer commutes to work. Higher commute times means higher likelihood of an accident.
  • Do you work long hours in a high stress employer? – Did you know your car insurance rates can be affected by your occupation? Occupational choices like military personnel, social workers and accountants have higher premiums than the average policyholder due to intense work-related stress and long work hours. Other jobs such as scientists, students and performers receive lower rates for Sorento coverage.
  • Policy add-ons add up – Insurance companies have many optional add-on coverages that can add up on your Sorento policy. Insurance for rental car reimbursement, accident forgiveness, and Farm Bureau memberships are examples of these. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • File car insurance claims and pay more – If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award the best rates to insureds that do not abuse their auto insurance. Auto insurance is intended for claims that you cannot pay yourself.
  • Responsible credit scores equal low rates – An insured’s credit score can be an important factor in determining your rates. If your credit can be improved, you may save money insuring your 2016 Kia Sorento by repairing your credit. People that have excellent credit scores tend to file fewer claims and have better driving records than drivers who have bad credit.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • Do I need motorclub coverage?
  • Is my trailer covered?
  • Is my teenager covered with friends in the car?
  • Should I sign the liability waiver when renting a car?
  • Where can I find DUI or SR-22 insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my state a no-fault state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2016 Kia Sorento.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This pays for 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 coverage protects against things such as hitting a bird, fire damage, theft, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, attorney fees, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Sorento caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

One last thing

We just showed you a lot of tips how to compare 2016 Kia Sorento insurance car insurance rates online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced insurance comes from an unexpected company. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like Allstate or State Farm.

Budget-conscious 2016 Kia Sorento insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies may not offer online quoting and many times these regional carriers only sell through local independent agents.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability coverage limits and learned later that it was a big error on their part. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

More detailed insurance information can be found by following these links: