View 2015 Kia Sorento Insurance Rates

Want the cheapest insurance coverage rates for your Kia Sorento? Finding more affordable Driversinsurance coverage may be kind of frustrating for people new to comparison shopping online. When there are so many insurance companies available, it can easily turn into a burden to find the best price.

If you have car insurance now, you will most likely be able to save some money using these techniques. The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. But drivers do need to understand the way companies market on the web because it can help you find the best coverage.

Get affordable rates with discounts

Car insurance is not cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but a few must be specially asked for before being credited.

  • Multiple Cars – Buying insurance for several vehicles on the same insurance policy can get a discount for every vehicle.
  • Buy New and Save – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
  • No Claims – Good drivers with no accidents pay less when compared with accident-prone drivers.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Driving Data Discount – Drivers who agree to allow driving data collection to spy on driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.
  • Early Renewal Discounts – A few insurance companies offer discounts for buying a policy prior to the expiration date on your current policy. It can save you around 10%.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations could earn you a nice discount when getting a insurance quote.
  • Homeowners Pay Less – Just owning your own home can save a few bucks because owning a home demonstrates responsibility.

Discounts lower rates, but many deductions do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to see a list of insurance companies that offer discounts, follow this link.

How you can control Kia Sorento insurance premiums

Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but others are more obscure such as your marital status or your vehicle rating.A large part of saving on car insurance is knowing some of the factors that are used to determine your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can earn you big savings.

The itemized list below are some of the major factors used by your company to calculate your rate level.

  • Men pay more for insurance – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Males and females are responsible for at-fault accidents at about the same rate, but guys have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure so it costs more to insure them.
  • Vehicle theft costs us all – Choosing a vehicle with advanced anti-theft systems can get you a discount on your car insurance. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
  • Safer cars mean better prices – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Get married and pay lower costs – Your spouse helps lower the price when buying car insurance. Having a significant other translates into being more responsible and insurance companies like that married couples file fewer claims.
  • Drive lots and pay more – Driving a lot of miles in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based upon how much you drive. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your declarations sheet is showing how each vehicle is driven, because it can save money. An incorrectly rated Sorento is just wasting money.
  • Liability protection limits should be high – A critical coverage on your policy, liability insurance will provide protection in the event that you are responsible for damages from an accident. It provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

What is the best insurance coverage coverage?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you will benefit from professional help.

  • At what point should I drop full coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I get insurance after a DUI in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • What if I total my 2015 Kia Sorento and owe more than it’s worth?
  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover my expensive audio equipment?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance coverage ads bend the truth

Companies like State Farm, Allstate and Geico continually stream ads in print and on television. All the companies tend to make the same promise that you can save if you switch your policy. How is it plausible that every one can cost less than your current company?

Insurance coverage companies look for specific characteristics for the type of driver that earns them the highest profit. One example of this type of risk profile might have to be over the age of 40, owns a home, and has a high credit rating. Someone who fits those characteristics may get the lowest premium rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet these stringent criteria will probably have to pay a more expensive rate which results in business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much money. This is how companies can advertise the savings.

This really illustrates why drivers should compare as many free insurance quotes as you can. It is impossible to predict which insurance coverage company will fit your personal profile best.

Car insurance coverage information

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, dental work, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as 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

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, damage from flooding and rock chips in glass. 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 removing comprehensive coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, loss of income, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage

This gives you protection 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 only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This will pay to fix damage to your Sorento from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Be a money saver!

Insureds switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, not issuing a premium refund and even denial of a claim. Whatever your reason, choosing a new insurance company can be pretty painless.

We’ve covered a lot of techniques to get a better price on 2015 Kia Sorento insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a company that doesn’t do a lot of advertising.

When searching for affordable insurance quotes, you should never buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at the best possible price.

For more information, feel free to visit the following helpful articles:

Comments About 2015 Kia Sorento Insurance

  1. Marilu Morris

    It all costs too much. I’m in the suburbs of Pittsburgh, Pennsylvania. I quoted with Auto-Owners, Sentry, and Travelers for my Kia and I think I saved around $40 each month. I think they have home insurance too. I used their online quote form to compare rates.

  2. Julietta Sellers

    I found cheap 2015 Kia Sorento insurance in Portland, Maine with GEICO.

  3. Beryl Fuentes

    If you have a good history and live in the vicinity of Columbus, OH, check out Progressive. They seem to be cheaper.

  4. Brook Francis

    Went with Western Auto Insurance for my Kia and saved about $190 a year. BTW speeding tickets are not good.

  5. Alysa Mcdaniel

    From Montgomery, AL. Received quotes from AIG Insurance, MetLife, and USAA for my Kia and saved just over $570 a year. Was with Encompass. Hopefully won’t need it.

  6. Vergie Mitchell

    I live just to the south of Madison, WI. Checked online prices for a 2015 Kia Sorento. Ended up at about $280 savings annually. Went with 21st Century. Even increased my liability limits. Can still barely afford it.

  7. Abdul Miles

    From Virginia Beach, Virginia. Quoted prices online for a 2015 Kia Sorento. Ended up at about $210 savings annually. Went with 21st Century. Thankfully I have a good driving record.

  8. Alton Clemons

    21st Century quoted the best rates in Indiana.

  9. Toney Lynch

    Just my two cents. Quoted with Safeco for my Sorento and saved about $570 a year. Insured with American Family before.

  10. Franchesca Sullivan

    I got a good deal I think. From north side of Aberdeen, South Dakota. Got free quotes online for a 2015 Kia Sorento. Ended up at about $150 savings annually. Went with State Farm. Left GMAC to switch.

  11. Cheyenne Heath

    21st Century quoted the best rates in North Carolina.

  12. Victoria Maldonado

    Hope my car insurance gets cheaper. Got a quote with Western Auto Insurance for my 2015 Kia Sorento and saved about $220 a year. LOL

  13. Kristyn Porter

    I’ve insured with Allstate for a long time. Pretty cheap in Columbus, GA.

  14. Jenise Whitney

    If you have a good history and are close to Hilo, Hawaii, check out State Farm. They seem to be cheaper. Was with American Family. Got better coverage too. Hardly afford to drive anymore.

  15. Rebeca Ramos

    Lots of good stuff here. From Nashville, TN. Don’t remember every company but I ended up saving about $30 each month. I’m a pretty good driver though. It’s easy to compare rates online now.