2013 Kia Sorento Car Insurance Quotes

Searching for cheaper insurance for your Kia Sorento can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Kia and find the lowest possible price either online or from local insurance agents.

You should take the time to compare premium rates before your policy renews due to the fact that insurance prices change regularly. Just because you found the best quotes on Sorento coverage on your last policy the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance out there, but in this article, you’re going to get a lot of great tips on how to lower your insurance premiums.

Choosing the best insurance company for you is not that difficult. If you are insured now or need new coverage, you can use these techniques to find the best rates and still get good coverage. Drivers just need to understand how to shop online.

Low cost insurance coverage prices

Effectively comparing insurance coverage prices can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company can provide price quotes for coverage. This prevents consumers from doing quote forms to each company. To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose which companies you want to price. So if you prefer to pick specific insurance companies for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever method you choose, be sure you’re using nearly identical coverage data for every quote you compare. If your comparisons have different limits and deductibles on each one it’s not possible to make an equal comparison.

Smart consumers save on insurance

The best way to find cheaper insurance coverage is to take a look at some of the factors that help calculate the price you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that could help you find lower insurance coverage prices. Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but others are more transparent like your vehicle usage or how safe your car is.

  • Eliminate unneeded extra coverages – There are many additional extra coverages that can waste your money on your insurance coverage policy. Things like rental car coverage, towing coverage, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them from your policy.
  • Minor frequent insurance coverage claims are not good – If you file claims often, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies give cheaper rates to policyholders who only file infrequent claims. Your car insurance is intended for major claims that would cause financial hardship.
  • Teenagers vs. older drivers – Older people are viewed as being more responsible, are lower risk to insure , and are generally more financially stable.Youthful drivers are statistically proven to get distracted easily when behind the wheel therefore insurance coverage rates are much higher.
  • Prevent insurance coverage policy lapses – Driving without insurance coverage in place is a big no-no and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, being ticketed for driving with no insurance could earn you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Discounts for alarm systems – Choosing to buy a car that has an advanced theft prevention system can help lower your premiums. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Amount of liability insurance – The liability coverage on your policy provides coverage when you are ruled to be at fault for physical damage or personal injury to other. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Lower miles equals lower premium – The higher the miles on your Kia each year the more you will pay for insurance coverage. A lot of insurance companies charge to insure your cars based upon how much you drive. Cars and trucks that have low annual miles qualify for better rates than vehicles that have high annual mileage. It’s a smart idea to ensure your insurance coverage policy is showing the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your Sorento may be wasting your money.

More discounts mean cheap premiums

Some providers don’t always publicize every discount in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known credits available to lower your premiums when you buy insurance online. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Theft Deterent Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Active Military Service – Having an actively deployed family member could qualify you for better rates.
  • Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates on Sorento coverage compared to rates paid by drivers with frequent claims.
  • 55 and Retired – Drivers over the age of 55 may be able to get lower premium rates on Sorento coverage.
  • Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Onboard Data Collection – Insureds who allow data collection to study where and when they drive by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Paperwork-free – A handful of companies will provide an incentive for signing up on the internet.

As is typical with insurance, many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will definitely lower your policy premiums.

Companies and a partial list of their discounts can be read below.

  • American Family offers discounts for early bird, multi-vehicle, TimeAway discount, good driver, defensive driver, accident-free, and air bags.
  • Nationwide has discounts for easy pay, multi-policy, defensive driving, Farm Bureau membership, and accident-free.
  • MetLife may offer discounts for multi-policy, claim-free, good driver, defensive driver, good student, accident-free
  • 21st Century discounts include theft prevention, homeowners, student driver, automatic seat belts, air bags, 55 and older, and teen driver.
  • Farmers Insurance offers discounts including youthful driver, business and professional, good student, distant student, and alternative fuel.
  • Allstate policyholders can earn discounts including premier discount, teenSMART discount, eSmart discount, safe driver, FullPay discount, and farm vehicle.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some credits may not be offered in your area. To find companies that provide some of the discounts listed above, click here to view.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining if you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Why do I need rental car insurance?
  • Do I need motorclub coverage?
  • What is an SR-22 filing?
  • Are my friends covered when driving my car?
  • Should I bundle my homeowners policy with my auto?
  • Who is covered when they drive my 2013 Kia Sorento?
  • Do I need an umbrella policy?
  • Am I getting all the discounts available?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for EMT expenses, X-ray expenses, chiropractic care, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2013 Kia Sorento.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage will pay to fix damage to your Sorento resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, vandalism and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

When getting insurance quotes online, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that they should have had better coverage. Your focus should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

Lower-priced auto insurance can be sourced online in addition to local insurance agencies, so you need to quote insurance with both to get a complete price analysis. Some auto insurance companies may not provide rates over the internet and these small insurance companies prefer to sell through independent insurance agencies.

In this article, we presented many ideas to compare 2013 Kia Sorento insurance rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies.

To read more, link through to the articles below: