Save on 2011 Kia Sorento Insurance Rates

If you’re shopping for cheaper insurance online, are you confused by the wide range of car insurance companies in your area? There are so many companies available that it can be a ton of work to lower your rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. This information will let you in on the most effective way to quote insurance and some tips to save money. But consumers must know how the larger insurance companies compete online and take advantage of how the system works.

Are you qualifying for every discount?

Insurance coverage is not cheap nor is it fun to buy but companies offer discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of purchase, but occassionally some discounts must be requested specifically before you get the savings.

  • Senior Discount – Mature drivers may be able to get a discount up to 10% for Sorento insurance.
  • Good Driver Discount – Insureds without accidents can pay as much as 50% less for Sorento insurance than drivers with accidents.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Online Discount – Certain larger companies give back up to $50 just for signing your application on the web.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Early Renewal Discounts – Some insurance coverage companies reward drivers for switching policies before your current coverage expires. It can save you around 10%.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Geico, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Driver Safety – Passing a defensive driving course is a good idea and can lower rates and easily pay for the cost of the class.
  • Drive Less and Save – Driving less can qualify you for cheaper rates.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

For a list of insurers that offer the discounts shown above, follow this link.

When in doubt talk to an agent

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I insured when driving a different vehicle?
  • Am I covered if I hit a deer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What if I total my 2011 Kia Sorento and owe more than it’s worth?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when driving a rental car?
  • Where can I find high-risk insurance?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

But they said I’d save $404 a year!

Respected companies like State Farm, Geico and Progressive seem to constantly run ads on TV and radio. All the companies advertise the message that drivers can save some big amount if you move to them. How can each company cost less than your current company?

Insurance providers have specific guidelines for the type of insured that earns them the highest profit. A good example of this type of driver might be described as over age 30, has a low-risk occupation, and drives less than 7,500 miles a year. Anybody who fits those characteristics may get the lowest car insurance rates and will also cut their rates if they switch.

Drivers who may not quite match these stringent criteria will probably be forced to pay higher premium rates which translates to business not being written. The ad wording is “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully advertise the way they do. Because of these techniques, drivers should compare free insurance quotes often. Because you never know which company will give you the biggest savings.

Coverage specifics

Knowing the specifics of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverages – Collision insurance will pay to fix damage to your Sorento from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages – 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 like hail damage, damage from flooding, theft, fire damage and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – This can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses such as ambulance fees, EMT expenses, nursing services and prosthetic devices. They are used to fill the gap from your 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 only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Online plus local equals savings

In this article, we covered a lot of ways to compare 2011 Kia Sorento insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with some of the lesser-known companies.

Some companies do not offer price quotes online and many times these smaller providers only sell through independent agencies. Lower-priced insurance coverage can be sourced online and from local insurance agents, so you should compare both so you have a total pricing picture.

Consumers who switch companies do it for many reasons like questionable increases in premium, unfair underwriting practices, poor customer service or being labeled a high risk driver. No matter why you want to switch, finding a new company can be pretty painless.

Additional insurance coverage information is located on the following sites:

Comments About 2011 Kia Sorento Insurance

  1. Tinisha Riggs

    Proud to be from Newark, Delaware. I compared lots of rates. Saved right around $20 a month. 21st Century was the most affordable for me.

  2. Bailey Mcintosh

    Proud to be from Biloxi, Mississippi. Quoted with State Farm, Amica, and Encompass for my Kia and I think I saved about $20 each month. Left Progressive to switch. I increased coverages a little too.

  3. Rosa Hays

    Located in Great Falls, MT. Received quotes with Mercury, Eastwood, Allstate, and American Family for my Kia and am saving around $200 a year. They offer free online rate quotes.

  4. Dewayne Foreman

    I’ve bought from Allstate forever. Cheapest rates in Hartford, CT.

  5. Sunshine Richard

    Thought I’d throw in my experience. I’m from Greensboro, North Carolina. Quoted with Allstate, Amica, and some I forget for my 2011 Kia Sorento and saved $375 a year. Left Hartford to switch. Highly recommended.

  6. Karon Harper

    I live in Miami, FL. Not sure of all the companies but I ended up saving about $50 each month. Teenage drivers are expensive! I just quoted rates online.

  7. Willard Lynn

    Located in Tucson, AZ. Quoted prices online for a 2011 Kia Sorento. Ended up at about $110 savings annually. Went with GEICO. Good multi-policy discounts.

  8. Wan Morse

    Thought I’d throw in my experience. Located in Denver, Colorado. I got free prices from 21st Century, Amica, and some I forget for my 2011 Kia Sorento and saved $253 a year. They offer free online rate quotes.

  9. Morton Hester

    I switched to Allstate. Quoted good rates in Raleigh, NC. Was with GMAC. Switched homeowners coverage too.

  10. Salina Harrison

    For me, Allstate was by far the cheapest in Mobile, AL.

  11. Sharice Serrano

    Corporate greed I’m telling you. From northwest of Jacksonville, FL. I compared lots of rates. Saved right around $70 a month. 21st Century was the best choice for me.

  12. Reiko Bird

    Live in the eastern part of Saint Paul, Minnesota. Got car insurance quotes with Safeco, Encompass, 21st Century, and AIG Insurance for my Sorento and saved about $410 a year. Thankfully I’m not a high risk driver.

  13. Genevieve Garrison

    Affordable car insurance is a myth. I’m from Newark, New Jersey. Got car insurance quotes from Auto-Owners, Eastwood, and Nationwide for my 2011 Kia Sorento and saved $261 a year.