2012 Kia Sorento Car Insurance Cost – 9 Savings Tips

When trying to find lower-cost insurance, are you confused by the dozens of auto insurance sources? You have so many sources to choose from that it can really be a challenge to find a cheaper company.

It is always a good idea to check auto insurance prices yearly because auto insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Sorento coverage a few years ago there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because it’s time to teach you the best methods to save on auto insurance.

Do you qualify for discount car insurance?

Car insurance can be pricey, but you may find discounts that you may not even be aware of. Some discounts will apply when you complete an application, but some need to be specifically requested before you get the savings.

• Student in College – who attend college more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
• Buy New and Save – Buying a new car model can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life policy as well.
• Driver Training Discounts – Successfully completing a defensive driving course may get you a small discount and easily pay for the cost of the class.
• Military Rewards – Being deployed in the military could be rewarded with lower premium rates.
• Use Seat Belts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will let one accident slide without getting socked with a rate hike if your claims history is clear for a specific time period.
• Claim Free – Drivers with accident-free driving histories have much lower rates in comparison with accident-prone drivers.
• Homeowners Savings – Owning a house can save a few bucks because owning a home requires personal responsibility.

As is typical with insurance, most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

A few popular companies and a partial list of their discounts are outlined below.

• American Family policyholders can earn discounts including mySafetyValet, early bird, defensive driver, bundled insurance, good student, TimeAway discount, and good driver.
• Farm Bureau offers discounts for 55 and retired, driver training, youthful driver, renewal discount, safe driver, and good student.
• State Farm may include discounts for multiple policy, defensive driving training, accident-free, Steer Clear safe driver discount, and good student.
• Travelers includes discounts for payment discounts, IntelliDrive, early quote, good student, home ownership, and hybrid/electric vehicle.
• The Hartford may have discounts that include anti-theft, driver training, bundle, vehicle fuel type, air bag, good student, and defensive driver.
• Geico offers discounts including daytime running lights, emergency military deployment, multi-vehicle, air bags, seat belt use, military active duty, and driver training.
• Progressive discounts include good student, online signing, multi-policy, multi-vehicle, continuous coverage, and online quote discount.

If you need the cheapest insurance coverage quotes, ask all the companies to apply every possible discount. Some discounts listed above might not be offered on policies in every state. To find car insurance companies who offer online car insurance quotes, click this link.

What insurance coverages do I need?

When buying proper insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether you may require specific advice.

• How can I find cheaper teen driver insurance?
• Is my babysitter covered when using my vehicle?
• Do I need higher collision deductibles?
• Will my rates increase for filing one claim?
• Which is better, split liability limits or combined limits?
• Should I waive the damage coverage when renting a car?
• Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a deer, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sorento.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision protection

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

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance will cover damage that occurs to other’s property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like bail bonds, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, ambulance fees, doctor visits, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

More quotes mean more savings

We just covered a lot of ways to lower your 2012 Kia Sorento insurance prices. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable insurance coverage. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. Too many times, someone sacrificed collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Cheaper 2012 Kia Sorento insurance can be sourced from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not provide rates over the internet and most of the time these small, regional companies only sell coverage through independent agencies.

More detailed auto insurance information can be found in these articles:

• Distracted Driving Extends Beyond Texting (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Keeping Children Safe in Crashes Video (iihs.org)