How Much Does 2006 Kia Sorento Insurance Cost?

Are you overwhelmed by the sheer number of insurance coverage options? Many other consumers are too. You have so many choices that it can quickly become a big hassle to find the lowest price.

Buying the best coverage is not that difficult. Basically, anyone who is required by state law to have car insurance stands a good chance to be able to find better rates. But car owners do need to understand how big insurance companies sell online.

Car Insurance Prices

The are a couple different ways to compare rate quotes and find the best price. The fastest way to find the cheapest 2006 Kia Sorento insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

  • The fastest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. A single form will get you price quotes direct from many companies. Just one form and you’re done.
  • Another way to obtain and compare quotes online consists of going to each individual company website and request a quote. For examples sake, let’s assume you want to compare rates from Allstate, State Farm and Progressive. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use the exact same coverage information for every quote you compare. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in large price differences. And when quoting car insurance, remember that comparing a large number of companies gives you a better chance of getting the best price.

Discounts are great for lower rates

Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but a few need to be specifically requested before you get the savings.

  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Sorento insurance with select insurance companies.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance coverage for Sorento insurance.

Drivers should understand that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurance companies with the best insurance coverage discounts, follow this link.

You may need specialized coverage

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Am I getting all the discounts available?
  • Can my babysitter drive my car?
  • How much underlying liability do I need for an umbrella policy?
  • What is the ISO rating for a 2006 Kia Sorento?
  • When do I need to add a new car to my policy?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Kia Sorento insurance rates have many determining factors

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance. Understanding what controls the rates you pay enables informed choices that can help you get big savings.

  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets receive lower rates than bad drivers. Even a single ticket can bump up the cost forty percent or more. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Rates may be higher depending on your occupation – Jobs such as lawyers, executives and financial analysts tend to pay higher average rates because of high stress levels and long work hours. Conversely, professions such as pilots, engineers and retirees have the lowest average rates for Sorento insurance.
  • Older drivers save more – More mature drivers are more cautious drivers, file fewer claims and are safer drivers. Youthful drivers are known to be less responsible when driving therefore insurance rates are much higher.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.

Car insurance coverages for a 2006 Kia Sorento

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage protection

Collision insurance covers damage to your Sorento caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, hospital visits, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and 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 might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, emergency aid, repair bills for other people’s vehicles, medical services and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Kia Sorento.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Buy online or local, you save

Discount 2006 Kia Sorento insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, denial of a claim, delays in responding to claim requests or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new insurance coverage company is less work than it seems.

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Even more information can be found in these articles: