Lower Your 2018 Kia Sorento Insurance Rates

Are you a victim of overpriced insurance coverage? Say no more because you’re not the only one.

With consumers having so many choices, it’s nearly impossible to locate the most cost effective insurance coverage company.

Pricing affordable insurance is simple if you know the tricks. Just about every vehicle owner who is shopping for insurance should be able to reduce their rates. Nevertheless, car owners must comprehend how big insurance companies market on the web.

You may qualify for discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but occassionally some discounts must be inquired about before you will receive the discount.

  • Student in College – Children living away from home attending college and do not have a car could qualify for this discount.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Discount for Swiching Early – A few insurance companies give discounts for signing up before your current policy expires. You could save around 10% when you buy auto insurance online.
  • New Car Discount – Buying a new car model can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Full Payment Discount – By making one initial payment rather than paying monthly you could save up to 5%.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when getting a auto insurance quote.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut your overall premium however.

To view insurance companies who offer insurance discounts, follow this link.

What impacts Kia Sorento insurance premiums?

It’s important that you understand the factors that help calculate the rates you pay for insurance. If you have some idea of what impacts premium levels, this helps enable you to make changes that can earn you better insurance rates.

The list below includes just a few of the factors companies use to determine your rate level.

  • File insurance claims and pay more – If you are a frequent claim filer, you shouldn’t be surprised to get much higher rates or policy non-renewal. Auto insurance companies award the best rates to drivers who are not frequent claim filers. Your car insurance is designed for major claims that would cause financial hardship.
  • Cheaper rates with high deductibles – Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims could be a windshield broken by a bird, vandalism, and damage from wind. The more of the claim you choose to pay out-of-pocket, the better rate you will receive for Sorento coverage.
  • Vehicles with better crash test results means cheaper insurance – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer serious injuries means less claims paid passed on to you as lower rates.
  • Deter theft and save – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.
  • Battle of the sexes – Statistics show that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. They both cause auto accidents in similar numbers, but guys get into accidents with more damage. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.
  • Multiple policies with one company – Most major insurers provide discounts to insureds that purchase more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount drivers will still want to comparison shop to ensure the best deal. Drivers may still save more without the discount by splitting coverages up.
  • Careless drivers pay higher prices – Even one speeding ticket can increase rates substantially. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers who have received serious violations like DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Premiums can be impacted by your employer – Careers such as military personnelairline pilots and financial analysts tend to have the highest average rates because of high stress and long work days. Other jobs such as professors, students and retirees get better rates for Sorento coverage.

There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether or not you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the difference between comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2018 Kia Sorento to commute?
  • Why do I only qualify for high-risk insurance?
  • Do I need rental car coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage basics

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as surgery, dental work and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This can cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2018 Kia Sorento.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, fire damage, vandalism and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Make an honest buck

As you restructure your insurance plan, do not skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best cost while still protecting your assets.

More affordable insurance can be bought online and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best rate selection. There are still a few companies who do not offer rate quotes online and many times these regional insurance providers only sell coverage through local independent agents.

Throughout this article, we presented many ideas to shop for 2018 Kia Sorento insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the most savings is with the smaller companies. They often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

Even more information can be found in the articles below:

Comments About 2018 Kia Sorento Insurance

  1. Kiera Yang

    I got quite a few price quotes for a 2018 Kia Sorento in Eugene, OR. Ended up at darn near $130 every six months with Auto-Owners. Ask about discounts. Still almost need a second mortgage.

  2. Inocencia Mayo

    Not sure what I should be paying. I’m in New York City, New York. Went online for free insurance quotes for a 2018 Kia Sorento. Ended up at about $190 savings annually. Went with 21st Century. Bought it from an online quote.

  3. Carry Kaufman

    From Buffalo, NY. I got free rates from Allstate, The General, and Esurance for my 2018 Kia Sorento and saved just over $240 a year.

  4. Tod Dalton

    Liked the article. From northwest of Nampa, ID. I quoted with American Family, MetLife, and a few others for my Kia and saved just over $330 a year. Moved home policy as well.