Cheap 2017 Kia Sorento Insurance Cost

Nobody I know anticipates paying for insurance, especially when they are aware that the cost is too high. Big-name insurance companies like State Farm, Progressive and GEICO all claim big savings with TV and radio ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

If you have a current car insurance policy or are just looking to switch companies, you can use these tips to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand how to buy car insurance online.

Cheapest insurance quotes

Comparing insurance rates can take time and effort if you don’t know the best way to get rate quotes. You can waste hours talking to local insurance agents in your area, or you could use the web to quickly compare rates.

Many companies participate in an industry program where insurance shoppers enter their policy data once, and each company can provide price quotes. This system prevents you from having to do quote requests to each individual insurance company. To use this form to compare rates click here to start a free quote.

The only downside to doing it this way is you cannot specify the insurers to get quotes from. If you wish to select specific providers to receive pricing from, we have a listing of companies who write insurance in your area. Click here to view list.

Take whichever approach you prefer, but try to keep identical coverage information with each company. If your comparisons have different values for each quote you will not be able to decipher which rate is best.

Eight things that affect your insurance rates

Many things are considered when you get your auto insurance bill. Some are obvious like an MVR report, but some are not as apparent such as whether you are married or your financial responsibility.Smart consumers have a good feel for the rating factors that aid in calculating your premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that can help you get lower premium levels.

  • Liability limits on your policy – Your car insurance policy’s liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Mature drivers are lower risk – Mature drivers are more responsible, cause fewer claims and accidents and get fewer tickets.Youthful drivers are proven to be easily distracted when behind the wheel so they pay higher car insurance rates.
  • Policy claims cost money – Insurance companies generally give cheaper rates to people that do not abuse their auto insurance. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Cheaper to insure females? – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that males are worse at driving than females. Men and women cause at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets like driving under the influence (DUI).
  • Do you really need the add-on coverages? – Insurance policies have a lot of extra coverages that can waste your money on your Sorento policy. Insurance for personal injury protection, accidental death, and term life insurance are probably not needed. The coverages may be enticing initially, but now you might not need them so get rid of them and save.
  • Low coverage deductibles can be expensive – Comp and collision deductibles are the amount of money the insured will be required to pay before your car insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and damage from wind. The higher the amount the insured is willing to pay, the better rate you will receive on Sorento insurance.
  • Safety first – Cars with high safety ratings cost less to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection means less claims paid passed on to you as lower rates.
  • No policy gaps is important – Driving without insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher rates, the inability to provide proof of insurance may earn you fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

Cheaper rates with these insurance discounts

Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of quoting, but a few need to be specially asked for before they will apply.

  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates on Sorento insurance.
  • No Claim Discounts – Good drivers with no accidents pay less as compared to bad drivers.
  • Student in College – Kids who are attending college and don’t have a car may be insured at a cheaper rate.
  • New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper because newer models keep occupants safer.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with one company can reduce rates for all insured vehicles.
  • Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Sign Online – Certain companies may give you up to $50 for completing your application online.
  • Auto/Life Discount – Select companies reward you with a lower rate if you buy life insurance.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you could save up to 20% and get you the cheapest car insurance.

As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will positively reduce your premiums.

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

  • Travelers discounts include IntelliDrive, driver training, good student, hybrid/electric vehicle, and save driver.
  • 21st Century policyholders can earn discounts including driver training, teen driver, anti-lock brakes, student driver, theft prevention, and homeowners.
  • State Farm may offer discounts for safe vehicle, passive restraint, student away at school, multiple autos, and defensive driving training.
  • GEICO offers premium reductions for military active duty, five-year accident-free, anti-lock brakes, multi-policy, good student, and air bags.
  • SAFECO has savings for anti-theft, homeowner, teen safe driver, safe driver, and anti-lock brakes.
  • AAA may include discounts for education and occupation, multi-policy, good student, anti-theft, multi-car, good driver, and pay-in-full.

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in every state.

Auto insurance can get complicated

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover if you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Are my friends covered when driving my 2017 Kia Sorento?
  • Is business equipment covered while in my vehicle?
  • How much liability insurance is required?
  • Am I covered if I break a side mirror?
  • Can I drive in Mexico and have coverage?
  • Can I get a multi-policy discount?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage considerations

Having a good grasp of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like pain medications, EMT expenses, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Sorento resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, court costs, funeral expenses, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, a broken windshield, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy Smart and Save

When buying insurance coverage, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Some insurance companies may not have the ability to get a quote online and usually these regional insurance providers sell through independent agents. Low-cost 2017 Kia Sorento insurance is attainable both online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates.

Much more information about insurance can be found on the following sites: