2011 Kia Sorento Insurance Rates

Want the cheapest car insurance rates for your Kia Sorento? Finding lower premiums on car insurance is always difficult for consumers not familiar with buying insurance online. Consumers have so many options that it can easily become a challenge to compare prices.

It’s a good habit to take a look at other company’s rates on a regular basis since insurance rates are usually higher with each renewal. If you had the best rates on Sorento coverage two years ago you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because you’re going to get a crash course in how to quote online to remove unneeded coverages and save money.

Why your Kia Sorento might be costing you more

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance coverage. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both cause accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Credit scores impact insurance coverage rates – A driver’s credit history is a important factor in determining what you pay for insurance coverage. If your credit score is not that good, you could save money insuring your 2011 Kia Sorento by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers with lower credit scores.
  • Pleasure use or commuting – The more you drive every year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your insurance coverage policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Sorento may be wasting your money.
  • Pay less if you’re married – Getting married can actually save you money on your policy. Having a significant other translates into being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Where you live – Choosing to live in a rural area has it’s advantages when insuring your vehicles. Less people living in that area means fewer accidents. Drivers in populated areas regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Choose a safe vehicle and save – Safer cars get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Kia Sorento has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • How your age affects price – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to be more careless when behind the wheel and because of this, their insurance coverage rates are much higher.

Car Insurance Comparison Rates

There are a variety of methods to compare 2011 Kia Sorento car insurance quotes, but some are less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to quickly compare rates.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote forms to every company.

To compare 2011 Kia Sorento rates now click here to start a free quote.

The single downside to getting quotes like this is you cannot specify the companies you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have a listing of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using identical coverages for each price quote. If the quotes have different liability limits it will be impossible to make a fair comparison for your Kia Sorento. Having just a slight variation in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that more quotes will enable you to find lower pricing.

The car insurance bait and switch

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the same claim about savings if you switch to them. How can each company claim to save you money?

Different companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer could possibly be a mature driver, a clean driving record, and has a high credit rating. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will have to pay higher prices which leads to the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how companies can state the savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s not possible to predict which car insurance company will have the lowest Kia Sorento insurance rates.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so the following is a list of both the well known and the more hidden auto insurance savings.

  • 55 and Retired – Mature drivers may qualify for better auto insurance rates on Sorento coverage.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Sorento coverage than less cautious drivers.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
  • No Claims – Good drivers with no accidents pay less as compared to bad drivers.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Insurance companies that may have these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not apply in your area.

Car insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Should I buy additional glass protection?
  • What discounts do I qualify for?
  • What vehicles should carry emergency assistance coverage?
  • If my pet gets injured in an accident are they covered?
  • When can my company non-renew my policy?
  • Can my teen drive my company car?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, hitting a deer, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, court costs, structural damage and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like prosthetic devices, rehabilitation expenses, nursing services and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Kia Sorento.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Saving money makes a lot of cents

Cheaper 2011 Kia Sorento insurance is attainable both online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced full coverage only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter why you want to switch switching car insurance companies can be less work than you think.

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