Compare 2008 Kia Sorento Insurance Quotes

Want the cheapest car insurance rates for your Kia Sorento? Do you get exhausted from being strong-armed to make your car insurance payment? You are in the same boat as the majority of other people.

Because you have many insurance companies to choose from, it’s nearly impossible to pick the cheapest car insurance company.

Consumers should take time to check car insurance prices periodically because prices tend to go up over time. Just because you had the lowest price for Sorento insurance a year ago there is a good chance you can find better rates now. You can search a lot of car insurance on the web, but in a few minutes you can learn some great ways to slash your car insurance rates.

Pricing the best auto insurance is quite easy. In a nutshell, anyone who shops for auto insurance will most likely be able to save money. But drivers must comprehend the way insurance companies market insurance on the web and apply this information to your search.

Find hidden discounts to get affordable insurance coverage quotes

Some providers don’t list the entire discount list very clearly, so we took the time to find a few of the more common as well as some of the hidden insurance coverage savings.

• Discount for Swiching Early – Some insurance companies provide a discount for renewing your policy prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.
• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
• Accident Forgiveness – Not really a discount, but some companies like Progressive and Allstate will allow you to have one accident without raising rates so long as you haven’t had any claims for a specific time period.
• Multi-Vehicle Discounts – Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
• Data Collection Discounts – Insureds that choose to allow companies to monitor their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies with the best discounts, click here.

The quickest method to compare rate quotes is to take advantage of the fact most of the bigger providers have advanced systems to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details like deductibles desired, whether you have decent credit, driver ages, and what you do for a living. That rating information is then submitted to all major companies and you get price estimates immediately.

How to lower your insurance premiums

An important part of buying insurance is that you know the different types of things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can earn you much lower annual insurance costs.

The factors shown below are some of the most common factors used by insurance companies to determine rates.

• Experienced drivers are lower risk – Teen drivers are known to be inattentive with other occupants in the car so insurance rates are higher. Adding a teen driver to your policy can break the bank. Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
• Cheaper insurance rates for prior coverage – Not maintaining insurance is illegal and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• More stress means more cost – Do you work in a high-stress field? Occupations like fire fighters, social workers and medical professionals generally have higher average rates because of high stress levels and long work days. Conversely, careers such as professors, historians and the unemployed receive lower rates for Sorento insurance.
• Do thieves like your car? – Purchasing a vehicle that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.
• Defend yourself with liability coverage – The liability section of your policy will protect you in the event that a court rules you are at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.
• Qualify for multi-policy discounts – Some insurance companies provide a discount to insureds that have more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s always a smart idea to shop around to verify if the discount is saving money. Consumers may save even more by buying insurance from more than one company.
• High credit score translates to low costs – Credit score is a large factor in calculating your insurance rates. If your credit history is low, you could pay less to insure your 2008 Kia Sorento by improving your credit score. Drivers who have very high credit ratings tend to file fewer claims than drivers with lower credit ratings.
• Buy a safe car and pay less – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower injury rates means less claims paid and more competitive rates for policyholders. If your Kia Sorento is rated at least four stars on Safercar.gov you may qualify for a discount.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight if your situation might need an agent’s assistance.

• Where can I get insurance after a DUI in my state?
• Where can I find high-risk insurance?
• Are my friends covered when driving my car?
• Is there coverage for injuries to my pets?
• Do I get a pro-rated refund if I cancel my policy early?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage, vandalism and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sorento.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills like funeral costs, pain medications, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This pays for damage to your Sorento resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance – Liability coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Shop smart and save

Lower-priced 2008 Kia Sorento insurance can be found from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not offer online quoting and these smaller providers prefer to sell through independent insurance agents.

In this article, we presented many tips how you can get a better price on 2008 Kia Sorento insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive insurance coverage. Consumers may even find the lowest auto insurance rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, Geico and Nationwide.

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best possible price.

Other information

• Speed and Speed Limit FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)