Lower Your 2005 Kia Sorento Car Insurance Rates

Looking for better insurance coverage rates for your Kia Sorento? Finding low-cost insurance coverage might seem problematic for consumers that are relatively new to online price comparisons. With so many companies competing online, how are consumers able to have the ability to compare every company to locate the cheapest available price?

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to save some money using this information. Nevertheless, consumers need to have an understanding of how insurance companies compete online and take advantage of how the system works.

What impacts Kia Sorento insurance costs?

Part of the auto insurance buying process is learning the factors that aid in calculating your policy premiums. When you understand what influences your rates, this helps enable you to make changes that may result in better auto insurance rates.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

  • Pay more by driving carelessly – Having a clean driving record can have a huge impact on auto insurance premiums. Having a single citation may cause rates to rise by as much as twenty percent. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
  • A lauto insurance policy lapse is a bad thing – Having a gap between insurance policy dates is a sure-fire way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Do you need those extra coverages? – There are a lot of additional extra coverages that you can buy if you aren’t diligent. Coverages for coverage for rental cars, death and dismemberment, and extra equipment coverage are examples of these. These coverages may sound good initially, but if you don’t need them remove them and pocket the money.
  • Pay more if you have a long commute – Choosing to live in a small town has it’s advantages when talking about auto insurance. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated areas regularly have much more traffic and longer commute times. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Teenagers are high risk – Beginning drivers are known to be more careless with other occupants in the car so auto insurance rates are higher. Older people tend to be more responsible, statistically cause fewer accidents , and are generally more financially stable.
  • Men drivers tend to cost more – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both genders tend to get into at-fault accidents in similar percentages, but men tend to have more serious accidents. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.

Discounts can really help to save

Insurance coverage is not inexpensive, but companies offer discounts that can help lower your rates. Most are applied at the time of quoting, but some must be specifically requested before being credited.

  • Senior Citizen Discount – Seniors can possibly qualify for a small discount on rates for Sorento coverage.
  • One Accident Forgiven – This one isn’t a discount, but certain companies will turn a blind eye to one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Telematics Devices – Insureds who allow companies to look at driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
  • Discount for Swiching Early – A few insurance companies offer discounts for renewing your policy before your current coverage expires. Ten percent is about the average savings.
  • Accident-Free Discounts – Drivers who stay claim-free pay less in comparison to insureds who have frequent claims or accidents.
  • Drive Less and Save – Maintaining low annual mileage may allow you to get better insurance coveragerates on cars that stay parked.
  • Passenger Safety Discount – Options like air bags or motorized seat belts may get savings as much as 30%.
  • College Student – Kids who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • Defensive Driver – Passing a course teaching safe driver skills could save 5% or more and easily recoup the cost of the course.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So even though you would think you could get a free insurance coverage policy, companies don’t profit that way.

If you would like to choose from a list of companies with discount rates, click here.

Don’t listen to company ads

Big name companies like Allstate and Progressive continually stream ads on TV and radio. They all make the same claim that people will save if you get a free insurance coverage quote and switch your coverage. That’s great but how can every company make the same claim? This is the trick they use.

Companies require specific criteria for the type of insured that earns them the highest profit. One example of a desirable risk might be a female over age 40, has no driving citations, and the vehicle is rated for pleasure use. Any person that matches those criteria will probably get the lowest premium rates as well as save when they switch companies.

Potential customers who fall outside this stringent profile may be required to pay higher rates and this can result in the prospect going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully make those claims. Because each company has a different risk profile, you need to get price quotes at each policy renewal. Because without a comparison, you cannot know with any certainty which company will provide the lowest prices.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Does car insurance cover theft of personal property?
  • Does my personal policy cover me when driving out-of-state?
  • Do I have newly-aquired coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I get high-risk coverage after a DUI?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What discounts do I qualify for?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as medical expenses, repair costs for stationary objects, loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Sorento caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

One last thing about your coverage

Discount 2005 Kia Sorento insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide rate quotes online and these small insurance companies work with local independent agencies.

When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at the best price, but don’t skip important coverages to save money.

Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, high rates after DUI convictions or an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.

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