2008 Kia Sorento Insurance Quotes

Are you a victim of an overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as Allstate and Progressive all claim big savings with TV and radio ads and it can be hard to ignore the flashy ads and find the best price available.

Factors that might impact rates for a Kia Sorento

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in better car insurance rates.

  • Pleasure use or commuting – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Sorento can result in significantly higher rates.
  • Your location is important – Living in less populated areas can be a good thing when insuring your vehicles. Urban drivers have much more traffic and longer commute times. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Little extras can really add up – There are many extra bells and whistles you can purchase when buying car insurance. Insurance for rental car reimbursement, better glass coverage and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • High deductibles save money – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Sorento coverage.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Discounts for multiple policies – Some companies will give a discount to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. Drivers may still find better rates by buying car insurance from a different company.

Don’t miss these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you complete an application, but less common discounts must be requested specifically before being credited.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • College Student – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
  • One Accident Forgiven – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.

Consumers should know that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of providers who offer car insurance discounts, follow this link.

Beware of misleading insurance coverage ads

Allstate and Progressive continually stream ads in print and on television. All the companies say the same thing of big savings after switching your policy. But how can every company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet this ideal profile must pay a more expensive rate and ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings.

This illustrates why it is so important to compare as many rates as you can. You cannot predict the company that will have the lowest Kia Sorento insurance rates.

When might I need help?

When buying proper insurance coverage, there is no one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Is a fancy paint job covered?
  • Do I need higher collision deductibles?
  • If I drive on a suspended license am I covered?
  • What if I total my 2008 Kia Sorento and owe more than it’s worth?
  • Am I covered if I break a side mirror?
  • Does insurance cover tools stolen from my truck?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Collision coverages – Collision insurance covers damage to your Sorento caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, dental work, doctor visits, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for liability – Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage, rock chips in glass and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A little work can save a LOT of money

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate.

We’ve covered a lot of techniques to lower your 2008 Kia Sorento insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

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