Cheap 2014 Kia Sorento Insurance Quotes

Comparison shopping for insurance coverage is nearly impossible for people who are new to comparison shopping online. Consumers have so many options that it can quickly become a lot of work to locate the lowest price.

Fast and Easy Insurance Coverage Quotes

Comparing insurance coverage rates can be challenging if you don’t know the most efficient way. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies participate in a marketplace where insurance shoppers complete one form, and every company then returns a price quote. This prevents consumers from doing quote forms to every company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to comparing rates this way is you cannot specify the providers you want pricing from. If you wish to select specific providers to compare rates, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the exact same coverages for every quote you compare. If the quotes have higher or lower deductibles it will be impossible to find the best deal for your Kia Sorento. Just a small difference in coverages may cause a big price difference. And when comparing insurance coverage rates, know that getting more free quotes gives you a better chance of getting the best rates.

Kia Sorento insurance premiums are calculated by many factors

It’s important that you understand some of the elements that come into play when calculating your insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in better insurance rates.

  • A clean driving record saves money – Drivers with clean records tend to pay less for car insurance than bad drivers. Only having one speeding ticket may increase your cost by as much as thirty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Kia has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • High credit ratings translate to low rates – Your credit rating is a important factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than those with poor credit. If your credit history can use some improvement, you could be paying less to insure your 2014 Kia Sorento by repairing your credit.
  • Never allow your policy to lapse – Letting your insurance expire is a guaranteed way to increase your insurance rates. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.Then you may be required to file a SR-22 with your state motor vehicle department.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be requested specifically before you get the savings.

  • Senior Discount – Older drivers can possibly qualify for reduced rates on Sorento coverage.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • College Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Safety Course Discount – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that may offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not be available everywhere.

There’s no such thing as the perfect policy

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight if you could use an agent’s help.

  • Do I have newly-aquired coverage?
  • What happens if I owe more than my 2014 Kia Sorento is worth?
  • Do I need motorclub coverage?
  • What is the ISO rating for a 2014 Kia Sorento?
  • When can I cancel my policy?
  • Am I covered when using my vehicle for business?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when driving a rental car?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Insurance coverage basics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Collision protection

This coverage pays for damage to your Sorento resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, attorney fees, pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as nursing services, dental work, X-ray expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Feed the piggy bank

When shopping online for insurance coverage, do not buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheap 2014 Kia Sorento insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, poor customer service and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new insurance coverage company is actually quite simple.

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