Cheap 2003 Kia Sorento Car Insurance Cost

Getting low-cost insurance coverage over the internet can seem to be impossible for people new to shopping for insurance online. With so many options of insurers to choose from, how are people expected to be able to compare each option to find the best available rates?

Auto Insurance Discounts

Auto insurance is easily one of your largest bills, but discounts can save money and there are some available to reduce the price significantly. Some of these disounts will be visible when you purchase, but less common discounts must be asked for before being credited.

  • No Claim Discounts – Good drivers with no accidents get the best auto insurance rates in comparison with frequent claim filers.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • New Vehicle Savings – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Own a Home – Owning your own home or condo can save a few bucks since home ownership requires personal responsibility.
  • Organization Discounts – Having an affiliation with a professional or civic organization could trigger savings on auto insurance.
  • Onboard Data Collection – People who choose to allow driving data collection to monitor where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they show good driving skills.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.

As a footnote on discounts, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts should definitely cut the cost of your policy.

If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining if you might need professional guidance.

  • Do I need an umbrella policy?
  • Is there coverage for injuries to my pets?
  • Is business equipment covered while in my vehicle?
  • Why am I required to buy high-risk coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What if I total my 2003 Kia Sorento and owe more than it’s worth?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Can you really save $404 a year?

Well-known insurance companies like 21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. All the ads advertise the message that drivers will save a bundle if you switch your policy. How can each company cost less than your current company? Here is the trick they use.

All the different companies require specific criteria for the type of insured that will not have excessive claims. For example, this type of driver should be between the ages of 30 and 50, carries full coverage, and drives less than 5,000 miles a year. Someone that hits that “sweet spot” will get the preferred prices and will probably save some money.

Potential insureds who don’t meet this ideal profile will probably have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s why companies can truthfully make those statements. This emphasizes why it is so important to do a rate comparison at every renewal. It’s just not possible to know with any certainty which company will fit your personal profile best.

Insurance policy specifics

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – Collision coverage will pay to fix damage to your Sorento caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, rolling your car, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, dental work, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, pain and suffering, medical services, court costs and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Save your hard earned cash

Some insurance providers do not offer online quoting and these regional insurance providers only sell through independent agents. Cheap 2003 Kia Sorento insurance is available from both online companies in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Throughout this article, we presented many tips how you can lower your 2003 Kia Sorento insurance car insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable insurance. You may even find the most savings is with the least-expected company.

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