Compare 2006 Kia Sorento Car Insurance Quotes

Trying to find lower auto insurance rates for your Kia Sorento? Did a good deal turn out to be an overpriced auto insurance policy? Don’t sweat it because there are lots of people in the same boat.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the definite best price available.

How much is insurance coverage?

To get affordable car insurance quotes, there a variety of ways to obtain and compare prices from many different insurance companies. The best method to compare rates is to jump online and get quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing boring form submissions for every prospective company. One quote request gets rate comparisons from several companies.
2. A harder way to obtain and compare quotes online requires a trip to the website for every company you want to comare to complete a price quote. For example, let’s assume you want to compare State Farm, Allstate and Travelers. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

Whichever method you choose, make sure you are using apples-to-apples coverages and limits on every quote. If you enter different liability limits it will be impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now.

Lower-cost car insurance rates with discounts

Auto insurance companies don’t necessarily list all their discounts very clearly, so the below list has both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Low Mileage Discounts – Maintaining low annual mileage may allow you to get better premium rates on cars that stay parked.
• Club Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on car insurance.
• Online Discount – Some of the larger companies may give you up to $50 just for signing your application on the internet.
• Military Rewards – Having a deployed family member could be rewarded with lower rates.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Sorento coverage.

A quick disclaimer, some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, nobody gets a free ride.

A few of the larger companies and some of their more popular discounts are detailed below.

• Farm Bureau discounts include 55 and retired, good student, youthful driver, multi-policy, and safe driver.
• MetLife may have discounts that include defensive driver, multi-policy, good driver, accident-free, good student, claim-free
• Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, homeowner, online quote discount, and continuous coverage.
• AAA offers premium reductions for good student, pay-in-full, multi-policy, anti-theft, and multi-car.
• American Family has discounts for multi-vehicle, accident-free, bundled insurance, defensive driver, good student, early bird, and air bags.
• Geico includes discounts for military active duty, anti-theft, federal employee, defensive driver, and five-year accident-free.
• State Farm offers discounts for anti-theft, multiple autos, passive restraint, good driver, and Steer Clear safe driver discount.

When quoting, ask every company how you can save money. All car insurance discounts may not be available everywhere. To locate car insurance companies who offer online car insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs would benefit from professional advice.

• What if I owe more than I can insure my car for?
• Does coverage extend to a rental car in a foreign country?
• What can I do if my company won’t pay a claim?
• When can my company non-renew my policy?
• When can I cancel my policy?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Why smart buyers pay less for Kia Sorento insurance

Many factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are less apparent like your vehicle usage or your financial responsibility.

• Filing car insurance claims can cost you more – Companies provide discounts to drivers who are not frequent claim filers. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your car insurance is designed for major claims that would cause financial hardship.
• Buy a safe car and pay less – Vehicles with good safety scores cost less to insure. The safest vehicles protect occupants better and reduced instances of injuries means your insurance company pays less and more competitive rates for policyholders. If your Kia is rated at least four stars on Safercar.gov it is probably cheaper to insure.
• Only buy extra policy coverages you need – Insurance companies have many extra add-on coverages that can waste your money on your car insurance policy. Insurance for coverage for rental cars, towing coverage, and motor club memberships may be wasting your money. These coverages may sound good when discussing your needs, but if you don’t need them eliminate them to save money.
• Discounts for multiple policies – Most larger insurance companies give lower prices to policyholders that purchase more than one policy. It’s known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you already get this discount, it’s still a good idea to check prices from other companies to ensure the best deal. Consumers may save even more by splitting coverages up.
• Having a spouse pays dividends – Having a wife or husband may cut your premiums on your car insurance policy. Marriage demonstrates that you tend to be more financially stable and statistics show married couples file fewer claims.
• Your stress level may be raising your premiums – Did you know your car insurance rates can be affected by your occupation? Occupational choices like fire fighters, business owners and emergency personnel have the highest rates due to stressful work requirements and long work hours. Other jobs such as professors, historians and homemakers generally pay rates lower than average on Sorento coverage.
• Limits of liability – Your policy’s liability coverage provides coverage if you are found liable for causing personal injury or damage in an accident. It will provide you with a defense in court to defend your case. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.

Can switching companies really save?

Insurance providers like Allstate and Progressive consistently run ads on TV and radio. They all seem to make the same claim about how much you will save if you move your insurance policy to them. How is it possible that every company can offer you a better deal? Just pay attention to how they say it.

Insurance providers have an ideal profile for the type of customer that earns them the highest profit. One example of this type of risk profile might be described as a married male, carries high limits, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will probably get the lowest prices and as a result will probably cut their rates substantially.

Potential customers who fall outside this ideal profile will have to pay a more expensive rate which results in business going elsewhere. The ads say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently state the savings.

This illustrates why it’s extremely important to do a rate comparison at every renewal. You cannot predict which insurance company will have better premium rates than you’re paying now.

Car insurance coverages for a Kia Sorento

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Kia Sorento.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, fire damage and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like bail bonds, repair costs for stationary objects, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses for funeral costs, ambulance fees and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage on a shoestring budget

Budget-conscious 2006 Kia Sorento insurance can be bought online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these smaller companies only sell through independent insurance agents.

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price, but do not skimp to save money.

Additional insurance information can be found on the following sites:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Medical Payments Coverage (Liberty Mutual)