Cheaper 2014 Kia Sorento Car Insurance Cost

Searching for cheaper car insurance rates for your Kia Sorento? Nobody looks forward to paying for car insurance, particularly when their premiums are too high.

Many insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to get the best rates possible.

It’s a good idea to compare prices yearly because car insurance prices are usually higher with each renewal. If you had the lowest price for Sorento insurance at your last renewal you may be paying too much now. You can find a lot of wrong information about car insurance on the web, but I’m going to show you the best ways to find affordable car insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners need to have an understanding of the way insurance companies sell insurance online.

First Step: Get free insurance quotes

The are a couple different ways to get quotes from local insurance companies. The easiest way to find the lowest 2014 Kia Sorento rates is to use the internet to compare rates. It’s really quite simple and can be done using a couple different methods.

• The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate quotes for every insurance company. A single form gets you price quotes instantly.
• A less efficient way to compare rate quotes is spending the time to visit the website for every company you want to comare to complete a price quote. For example, let’s say you want to view quotes from USAA, 21st Century and Liberty Mutual. To get each rate you have to spend time going to each site individually and type in your information over and over, which is why the first method is quicker.

  For a list of companies in your area, click here.

Whichever way you use, ensure you are comparing identical coverage limits and deductibles on every quote. If each company quotes mixed coverages it’s not possible to get a fair rate comparison. Having just a slight variation in limits may result in large price differences. And when quoting insurance, remember that comparing a large number of companies increases the change that you will find more affordable insurance.

Do you qualify for discounts?

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Most are applied at the time of purchase, but a few need to be specifically requested before you get the savings.

• Good Grades Discount – Excelling in school can save 20 to 25%. The discount lasts up to age 25.
• Multi-line Discount – Larger insurance companies have a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
• Membership in Organizations – Joining qualifying employment or professional organizations could trigger savings when shopping for insurance coverage.
• Distant College Student Discount – College-age children who live away from home at college and don’t have a car may qualify for this discount.
• Own a Home – Owning a home can get you a discount because of the fact that having a home is proof of financial responsibility.
• New Vehicle Savings – Insuring a vehicle that is new is cheaper since new model year vehicles have better safety ratings.
• Defensive Driver Discount – Completing a class that teaches defensive driver techniques could possibly earn you a 5% discount if you qualify.
• Anti-theft Discount – Cars with anti-theft systems help deter theft and therefore earn up to a 10% discount.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

A few of the larger companies and their possible discounts can be found below.

• Progressive has savings for homeowner, multi-vehicle, good student, online signing, and multi-policy.
• Farmers Insurance may include discounts for good student, early shopping, switch companies, bundle discounts, and distant student.
• Farm Bureau includes discounts for 55 and retired, youthful driver, safe driver, renewal discount, and multi-policy.
• State Farm policyholders can earn discounts including passive restraint, accident-free, student away at school, anti-theft, safe vehicle, and multiple policy.
• Geico offers discounts for daytime running lights, air bags, anti-lock brakes, multi-vehicle, five-year accident-free, defensive driver, and federal employee.
• SAFECO may offer discounts for accident prevention training, anti-lock brakes, homeowner, teen safe driver, drive less, and bundle discounts.
• Liberty Mutual may have discounts that include safety features, exclusive group savings, teen driver discount, new vehicle discount, newly retired, and multi-car.

Before you buy a policy, ask all the companies to apply every possible discount. Discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, click here.

Components of your Kia Sorento insurance rates

Consumers need to have an understanding of a few of the rating criteria that come into play when calculating insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in lower premium levels.

The itemized list below are some of the most common factors utilized by car insurance companies to help set premiums.

• Better insurance rates on cars with good safety ratings – Safe vehicles tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and fewer serious injuries translates into savings for insurance companies which can result in lower premiums.
• Frequent insurance claims increase premiums – Auto insurance companies provide the lowest premiums to drivers who are claim-free. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Marriage discount – Walking down the aisle helps lower the price on your insurance policy. Having a significant other is viewed as being more mature and insurance companies like that married couples file fewer claims.
• Extra policy coverages that may not be needed – There are many additional coverages that you can buy when buying insurance. Coverages for replacement cost coverage, better glass coverage, and extra life insurance coverage are some examples. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.

Don’t assume everyone needs the same insurance coverage

When it comes to buying coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

• Does my insurance cover my expensive audio equipment?
• Do I need roadside assistance coverage?
• Is pleasure use cheaper than using my 2014 Kia Sorento to commute?
• When does my teenage driver need to be added to my policy?
• Does my car insurance cover rental cars?
• When can I cancel my policy?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Save $455 a year. For real?

Auto insurance providers like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads tend to make the same promise of big savings if you move your auto insurance coverage to their company. How is it plausible that every one can save you money? You have to listen carefully.

Auto insurance companies provide the lowest rates for the type of driver that will not have excessive claims. One example of this type of driver may need to be a female over age 40, has no claims, and drives newer vehicles. A driver who meets those qualifications will probably get the lowest rates and as a result will probably save when they switch companies.

People who are not a match for the requirements will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully make claims like that. That is why drivers must do a quote comparison often. Because you cannot predict which insurance companies will have the best premium rates at this point in time.

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for EMT expenses, hospital visits, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a bird, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2014 Kia Sorento.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage pays for damage to your Sorento caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability – Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, funeral expenses, attorney fees, pain and suffering and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Quote often and quote early

We just showed you a lot of tips how to save on 2014 Kia Sorento insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even discover the lowest priced insurance comes from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

When buying insurance coverage, you should never reduce needed coverages to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

For more information, link through to the articles below:

• Side Impact Crash Tests (iihs.org)
• Information for Teen Drivers (Geico)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)