Lower Your 2011 Kia Sorento Insurance Cost

Finding better insurance prices for a Kia Sorento can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Kia and get the best price possible from both online companies and local agents.

It’s a great practice to do price comparisons at least once a year because car insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate for Sorento coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best way to find better coverage at a better price.

Compare car insurance rates

Finding cheaper car insurance prices can be quick and easy. All that’s required is to invest a few minutes to compare free car insurance quotes to discover which company has cheap car insurance quotes. This can be done in just a few minutes using one of these methods.

Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating separate quote forms for every company. One quote request will return price quotes from many national carriers. It’s definitely the quickest method.

A more time consuming way to compare prices is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want to compare Nationwide, Progressive and State Farm. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

The last way to get price estimates is calling or driving to each insurance agency near you. The ability to buy insurance online reduces the need to sit down with an agent unless your situation requires the guidance that only a licensed agent can provide. It is possible to compare online quotes but have a local agent actually write the policy.

Whichever method you choose, be sure to compare identical information for each comparison quote. If you compare higher or lower deductibles it’s not possible to determine the best price for your Kia Sorento.

Informed consumers can cut insurance costs

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but some are less apparent like your continuous coverage and annual miles driven.

  • Liability coverage risk factors in – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense coverage to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Your career may increase insurance coverage rates – Did you know your career choice can influence rates? Careers like judges, social workers and financial analysts generally have higher premiums than the average policyholder in part from job stress and long work hours. On the other hand, professions such as scientists, engineers and performers receive lower rates for Sorento coverage.
  • Bump up deductibles to lower rates – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Kia. Examples of some claims that would be covered could be a windshield shattered by a rock, damage from fire, and having your car stolen. Comprehensive and collision coverage deductibles are how much you are required to pay if a covered claim is submitted. The more money you’re willing to pay, the lower your rates will be for Sorento coverage.
  • Single drivers may have higher rates – Getting married may save some money when shopping for insurance coverage. Having a significant other translates into being more responsible and it’s proven that married drivers get in fewer accidents.
  • Premiums are affected by your address – Living in smaller towns and rural areas of the country may provide you with better prices when it comes to insurance coverage. Urban drivers tend to have more traffic problems and more severe claims. Lower population means fewer accidents in addition to lower liability claims
  • High credit scores save money – Having a good credit rating is a large factor in determining your rates. Insureds with very good credit scores tend to be more responsible than those with lower ratings. Therefore, if your credit history can be improved, you could potentially save money when insuring your 2011 Kia Sorento by improving your rating.

These discounts can lower insurance coverage rates

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few must be specifically requested before they will apply.

  • Accident Free – Drivers with accident-free driving histories get the best insurance coverage rates compared to frequent claim filers.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Libery Mutual, Geico and Allstate may permit one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
  • Service Members Pay Less – Having a family member in the military could mean lower premium rates.
  • Sign Online – Many insurance coverage companies provide a small discount just for signing your application on the web.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Sorento coverage depending on your company.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Anti-lock Brake System – Cars with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Switch and Save Discount – A few insurance coverage companies allow discounts for switching policies early. This discount can save up to 10%.
  • Multiple Cars – Drivers who insure all your vehicles with the same insurance coverage company can get a discount on all vehicles.

One last thing about discounts, most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will help lower the amount you have to pay.

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

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you would benefit from professional advice.

  • How do I insure my teen driver?
  • When do I need to add a new car to my policy?
  • Why does it cost so much to insure a teen driver?
  • When would I need rental car insurance?
  • Does my car insurance cover rental cars?
  • Why am I required to get a high-risk car insurance policy?
  • Is business property covered if stolen from my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when making deliveries for my home business?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

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

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – This will cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like surgery, prosthetic devices, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include 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. So UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

More effort can pay off

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Drivers switch companies for a number of reasons such as lack of trust in their agent, high prices, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company is actually quite simple.

Cheap 2011 Kia Sorento insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and usually these small insurance companies sell through independent insurance agents.

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