Trying to find lower insurance coverage rates for your Kia Sorento? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, there are many consumers feeling the pinch from expensive insurance coverage. You have so many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, so many choices can make it hard to get the best deal.
Companies offering auto insurance do not list every available discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.
For a list of insurers with discount insurance rates, click here.
When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether you could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.
Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim that you can save if you change your policy.
How do they all claim to save you money?
All the different companies are able to cherry pick for the driver that is profitable for them. For example, a driver they prefer could be a mature driver, is a homeowner, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.
Potential customers who do not match the “perfect” profile will be charged higher rates and this can result in business not being written. The ads state “customers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the way they do. That is why it is so important to quote coverage with many companies. It’s just too difficult to predict which car insurance company will have the lowest Kia Sorento insurance rates.
Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sorento.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like a broken windshield, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage – Collision insurance will pay to fix damage to your Sorento resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things like hitting a parking meter, hitting a mailbox, sideswiping another vehicle, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Liability coverage – Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like medical services, legal defense fees, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, funeral costs, prosthetic devices, nursing services and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
We just showed you many ideas to reduce 2016 Kia Sorento insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
Affordable insurance is available both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance coverage companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where an insured cut collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
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