How Much Does 2004 Kia Sorento Insurance Cost?

Want the cheapest auto insurance rates for your Kia Sorento? Are you tired of robbing Peter to pay Paul to pay high auto insurance rates every month? You are in the same boat as millions of other consumers.

Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate possible.

You should make it a habit to check auto insurance prices quite often because insurance rates tend to go up over time. Despite the fact that you may have had the best premium rates for Sorento coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re going to learn the best methods to save money, get proper coverage and the best rates.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage is not rocket science. But vehicle owners do need to know how big insurance companies compete online.

Find discounts on insurance coverage

Car insurance can cost a lot, but there could be available discounts that many consumers don’t even know exist. A few discounts will be applied when you get a quote, but some may not be applied and must be specially asked for before being credited.

  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Paperless Signup – A few larger online companies may give you up to $50 for signing up over the internet.
  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a insurance coverage quote. The good student discount can last up until you turn 25.
  • Full Payment Discount – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
  • Multiple Cars – Having several vehicles with the same company can reduce the rates for all insured vehicles.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Distant Student Discount – Older children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Low Mileage Discounts – Driving less can earn lower insurance coveragerates on the low mileage vehicles.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.

To choose providers that have a full spectrum of discounts, click here.

Insurance coverage quotes comparison

All major insurance coverage companies such as Allstate and Progressive make it easy to get prices for coverage directly from their websites. Doing online quotes is fairly simple because you just enter into the quote form. After you complete the form, their quoting system will obtain your credit score and driving record and returns pricing information based on many factors. Quoting online makes it easy to compare insurance prices but having to visit multiple sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for the lowest insurance coverage rates.

An easier way to find lower prices is to use a quote form that analyzes rates from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you input the insurance coverages as shown on your current policy. Doing this guarantees you will get comparison quotes based on identical coverages.

Informed drivers can slash their insurance prices

The best way to find cheaper insurance coverage is to take a look at some of the things that help determine the level of your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates. Many factors are taken into consideration when premium rates are determined. Some factors are common sense such as traffic violations, but other criteria are more obscure like your continuous coverage or your vehicle rating.

Shown below are some of the most common factors used by your company to calculate your premiums.

  • How many coverages with the same company – Most major companies apply lower prices to customers that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. If you currently are using one company, it’s always a smart idea to get quotes from other companies to confirm you are receiving the best rates possible.
  • File insurance coverage claims and pay more – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies generally give most affordable rates to drivers who are claim-free. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Good drivers have lower premiums – Good drivers pay lower auto insurance prices than people who have multiple driving citations. Getting just one chargable violation can bump up the cost by twenty percent. Drivers who get multiple tickets such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Car insurance liability coverage limits – The liability coverage on your policy will afford coverage if ever you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Vocation stress can make you pay more – Did you know that where you work can have an impact on rates? Jobs like real estate brokers, executives and dentists tend to pay higher premiums than the average policyholder attributed to stressful work requirements and long work days. On the flip side, occupations such as professors, students and performers pay lower than average rates for Sorento coverage.
  • Pleasure use or commuting – Driving a lot of miles in a year the more you will pay for insurance coverage. Most insurance companies calculate prices determined by how the vehicle is used. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage policy correctly shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your Sorento can cost quite a bit.
  • Expect high rates for teens – Teenage drivers are known to be inattentive and easily distracted in a vehicle so insurance coverage rates are higher. More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Single drivers may get higher rates – Walking down the aisle may save some money on insurance coverage. Having a significant other demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers tend to file fewer claims.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • Are my friends covered when driving my car?
  • Should I have a commercial auto policy?
  • Am I covered by my spouse’s policy after a separation?
  • At what point should I drop full coverage?
  • Do I have newly-aquired coverage?
  • I have a DUI can I still get coverage?
  • Is pleasure use cheaper than using my 2004 Kia Sorento to commute?
  • What if I don’t agree with a claim settlement offer?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sorento.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like bail bonds, emergency aid, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, dental work, pain medications and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Sorento from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

We’ve covered many ideas to get a better price on 2004 Kia Sorento insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like Progressive and Geico.

When you buy insurance coverage online, you should never reduce needed coverages to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.

Even more information is located in the articles below: