Compare 2014 Kia Sorento Insurance Quotes

Trying to find the cheapest auto insurance rates for your Kia Sorento? Tired of scraping the payment together to pay auto insurance each month? You are in the same boat as many other drivers. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

If you are insured now or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper way to compare prices over the internet.

The cheapest insurance coverage

Lowering your 2014 Kia Sorento insurance coverage rates is actually easier than you may think. The only requirement is to spend a few minutes on the computer comparing price quotes from some recommended companies. Rate comparisons can be done using one of these methods.

  1. One of the simplest ways to get quotes is a comparison rater form (click to open form in new window). This type of form eliminates the need for multiple quote forms for every insurance coverage company. A single, simple form compares rates from many national carriers.
  2. A slightly less efficient method to analyze rates requires a visit to the website for each individual company to complete a price quote. For examples sake, we’ll pretend you want to compare USAA, Allstate and Liberty Mutual. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage information for every company. If you have different data it’s impossible to decipher which rate is best.

How to lower your insurance prices

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious such as your driving history, but other criteria are less obvious such as whether you are married or your commute time.

The items below are just a few of the factors companies use to determine rates.

  • Rural vs Urban Areas – Residing in smaller towns and rural areas of the country is a good thing when buying insurance. Residents of big cities have more road rage incidents and a longer drive to work. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims
  • Gender and insurance coverage prices – Statistics demonstrate that women are safer drivers than men. However, this does not mean males are worse at driving than females. Males and females get in accidents in similar percentages, but the male of the species cause more damage. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Inexpensive frequent claims are not good – If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies award discounts to policyholders who are claim-free. Auto insurance is intended for claims that pose a financial burden.
  • Teen drivers pay more – Young drivers have a tendency to be inattentive in a vehicle and because of this, their insurance rates are much higher. Parents adding a young driver to your policy can be quite pricey. Older drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Liability limits are a factor – Liability coverage kicks in if ever a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.

Slash your car insurance rates with discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so we break down both the well known and the more hidden credits available to bring down your rates. If they aren’t giving you every credit you deserve, you may be paying too high a price.

  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote car insurance on Sorento coverage with some car insurance companies.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • No Accidents – Good drivers with no accidents pay much less in comparison to policyholders that have many claims.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Sign Early and Save – A few car insurance companies offer discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Savings for New Vehicles – Buying car insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for newer models.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will definitely lower the cost of coverage.

The best car insurance companies and a selection of discounts are outlined below.

  • Progressive offers discounts including multi-vehicle, continuous coverage, good student, online signing, and online quote discount.
  • Farmers Insurance may have discounts that include teen driver, distant student, pay in full, electronic funds transfer, alternative fuel, youthful driver, and bundle discounts.
  • Farm Bureau discounts include multi-policy, 55 and retired, renewal discount, youthful driver, safe driver, multi-vehicle, and good student.
  • State Farm may offer discounts for good driver, multiple policy, Steer Clear safe driver discount, anti-theft, and passive restraint.
  • Geico has savings for multi-policy, anti-lock brakes, seat belt use, good student, and driver training.
  • SAFECO may include discounts for safe driver, homeowner, drive less, bundle discounts, anti-theft, teen safety rewards, and multi-car.
  • Liberty Mutual has discounts for preferred payment discount, good student, hybrid vehicle, exclusive group savings, and new move discount.

Before buying, ask every prospective company the best way to save money. Savings may not be offered in every state. For a list of insurance companies that offer some of these discounts, click here to view.

You are unique and your auto insurance should be too

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if my car is in a flood?
  • If my 2014 Kia Sorento is totaled, can I afford another vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage if my license is suspended?
  • Why am I required to get a high-risk car insurance policy?
  • What if I total my 2014 Kia Sorento and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage basics

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Collision coverage

Collision coverage pays for damage to your Sorento from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, surgery, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sorento.

Due to the fact that many drivers 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 a good idea.

Comprehensive auto coverage

This covers 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 like falling objects, vandalism and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage can cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair costs for stationary objects, pain and suffering, funeral expenses, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Save for a rainy day

Cost effective 2014 Kia Sorento insurance is available both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get a quote online and most of the time these small insurance companies only sell coverage through local independent agents.

In this article, we covered a lot of tips how to save on 2014 Kia Sorento insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable car insurance. You may even find the lowest premium rates are with a smaller regional carrier. They may have significantly lower prices on certain market segments compared to the large companies like Allstate, Geico and Progressive.

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