Cheap 2018 Kia Sorento Insurance Quotes

Looking for better car insurance rates? Shoppers have lots of choices when shopping for low-cost Kia Sorento insurance. You can either waste hours calling around getting price quotes or save time using the internet to make rate comparisons. There is a better way to buy car insurance and we’ll show you the proper way to get price quotes for a new or used Kia and locate the cheapest rates from local insurance agents and online providers.

You need to do rate comparisons every six months because prices are variable and change quite frequently. If you had the best rates on Sorento coverage two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

Lower-cost insurance coverage rates with discounts

Insurance coverage is easily one of your largest bills, but there may be some discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked for before they will apply.

  • New Car Discount – Buying insurance on a new vehicle can save up to 30% due to better safety requirements for newer models.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Renewal Discounts – Some companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Defensive Driver – Passing a class that teaches defensive driver techniques can save you 5% or more if you qualify.
  • Home Ownership Discount – Being a homeowner can help you save on insurance coverage since home ownership is proof of financial responsibility.
  • Good Student – Maintaining excellent grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students until age 25.
  • Auto/Life Discount – Select insurance carriers reward you with a break if you buy some life insurance too.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will reduce your insurance coverage premiums.

Car insurance companies that may offer policyholders these money-saving discounts include:

If you are trying to find the cheapest car insurance quotes, ask every prospective company the best way to save money. Discounts might not be offered on policies in your state. To see providers who offer discounts, click here to view.

Buy cheaper insurance with these tips

The best way to find cheaper insurance is to take a look at the factors that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in big savings.

  • Save money by having multiple policies – Some insurers will give better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates. Consumers may save even more than the discount by buying insurance from a different company.
  • Accidents cost more than a fine – Careful drivers pay less for auto insurance as compared to those with violations. Getting just one ticket may cause rates to rise forty percent or more. Drivers who have gotten careless tickets such as DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state’s licensing department in order to legally drive.
  • Always keep your policy in force – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • The more you drive the more you pay – The more you drive in a year the higher the price you pay to insure it. The majority of insurers calculate rates based on their usage. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Incorrect rating for your Sorento can cost quite a bit. It’s a smart idea to ensure your declarations sheet reflects annual mileage.
  • Don’t buy add-on coverages that may not be needed – Insurance policies have a lot of additional coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like rental car coverage, towing, and motor club memberships could be just wasting money. They may seem good when talking to your agent, but your needs may have changed so remove them and pocket the money.
  • Liability protection is critical – Your policy’s liability coverage will protect you when a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense to attempt to prove you were not liable. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out if you could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I wreck a rental car?
  • Does insurance cover tools stolen from my truck?
  • At what point should I drop full coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I find DUI or SR-22 insurance?
  • Do I need an umbrella policy?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Do you really save 40% when you switch?

Consumers can’t avoid all the ads that promise big savings for switching from companies such as Allstate and Progressive. All the companies make an identical promise about savings if you switch your car insurance policy to them.

How does every car insurance company lower your prices? This is how they do it.

Companies quote their cheapest rates for the type of driver that will generate a profit. An example of this type of driver could possibly be a female over age 40, is a homeowner, and has excellent credit. Any driver that matches those criteria will qualify for the lowest premium rates and most likely will save some money.

Insureds who do not match these criteria will have to pay a more expensive rate with the end result being the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can state the savings. Because every company is different, you should compare as many free car insurance quotes as you can. It is just not possible to predict the company that will have the best premium rates for your profile.

Coverage specifics

Knowing the specifics of auto insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage reimburse you for bills like nursing services, ambulance fees, dental work and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as court costs, attorney fees, medical expenses, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Kia Sorento.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This covers damage to your Sorento from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, rolling your car, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Be a Smart Shopper

Cheap 2018 Kia Sorento insurance is attainable from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and many times these smaller providers prefer to sell through independent agents.

Insureds change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, delays in responding to claim requests or even extreme rates for teen drivers. No matter why you want to switch, finding a new car insurance company is not as hard as you think.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

Much more information about car insurance can be found below: