Cheaper 2015 Kia Sorento Car Insurance Rates

Having to pay for overpriced car insurance can drain your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

With consumers having so many car insurance companies to choose from, it can be impossible to locate the cheapest car insurance company.

Consumers should take time to price shop coverage periodically due to the fact that insurance rates are usually higher with each renewal. If you had the best price for Sorento insurance a year ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because you’re about to learn the easiest way to properly buy coverages and cut your premium.

How to reduce Kia Sorento insurance rates

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Some discounts apply automatically at quote time, but less common discounts must be inquired about before they will apply.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Sorento insurance than their less cautious counterparts.
  • 55 and Retired – Older drivers can possibly qualify for better insurance rates for Sorento insurance.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Kia could be rewarded with better rates on cars that stay parked.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.

For a list of insurers offering insurance discounts, click this link.

Your Kia Sorento insurance rate is a complex equation

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in lower car insurance prices.

Shown below are some of the items companies use to determine premiums.

  • Lower rates come with age – More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Young drivers are known to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can buy if you aren’t careful. Insurance for rental car reimbursement, towing coverage and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Your stress level may be raising your rates – Occupations such as lawyers, executives and dentists are shown to have the highest average rates due to high stress and lengthy work days. Other professions such as actors, historians and retirees pay the least for Sorento insurance.
  • Liability coverage protects you – Liability coverage provides coverage when a jury decides you are liable for personal injury or accident damage. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Will my insurance pay for OEM parts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need PIP coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance myths debunked

Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads make the same claim that you can save after switching to them. How do they all claim to save you money?

All the different companies can use profiling for the right customer that makes them money. For example, a preferred risk might be profiled as over the age of 40, has no driving citations, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Drivers who fall outside this ideal profile must pay more money and ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can advertise the savings.

This illustrates why you need to get as many quotes as possible. You cannot predict which company will give you the biggest savings on Kia Sorento insurance.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability coverages

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, repair costs for stationary objects, pain and suffering, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from flooding, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for ambulance fees, nursing services, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance covers damage to your Sorento from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Kia Sorento.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Smart consumers save more

As you prepare to switch companies, never buy poor coverage just to save money. There have been many cases where an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford.

We’ve covered a lot of tips how to save on 2015 Kia Sorento insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

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