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Kia Sorento Insurance Cost

Shopping for auto insurance online saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from as many companies as possible in order to have all possible prices.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to get quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

What factors determine car insurance premiums?

Auto insurance rates for your Kia Sorento can be significantly different and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that will help determine Sorento insurance cost is the model year. Newer models have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. But more recent Kia vehicles may have a trim level with safety features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

This will cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Kia resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Kia Sorento comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Kia Sorento Insurance Rates?