2016 Kia Sorento Car Insurance Quotes – 10 Tips for Best Rates

Are you burned out from sacrificing other expenses to keep your car insured? Your situation is no different than many other consumers.

With so many choices of insurance companies, it’s difficult to pick the right insurance company.

How to compare insurance quotes

There are several ways to get quotes from local insurance companies. One of the best ways to find the cheapest Kia Sorento insurance rates involves getting comparison quotes online. This is quite simple and can be completed in a couple of different ways.

One of the best ways consumers can analyze rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating separate quote forms for each company you want a rate for. Taking the time to complete one form will return price quotes from multiple companies.

A less efficient way to find more affordable insurance requires visiting the website for every company you want to comare and complete a new quote form. For examples sake, we’ll assume you want to see prices from Auto-Owners, Esurance and State Farm. You would have to go to every website to input your insurance information, which can be really labor intensive.

For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using nearly identical coverage limits and deductibles for each comparison quote. If you enter unequal deductibles or liability limits it will be very difficult to make a fair rate comparison. Having just a slight variation in limits could throw off the whole comparison. And when quoting insurance, remember that comparing more rates from different companies gives you a better chance of getting a lower rate.

Find discounts to get cheap car insurance rates

Buying car insurance is not cheap, but companies offer discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but occassionally some discounts must be specially asked for in order for you to get them.

  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • No Claims – Drivers who don’t have accidents get the best car insurance rates in comparison to policyholders that have many claims.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Clubs and Organizations – Belonging to certain professional organizations can get you a small discount when shopping for car insurance.
  • Multi-line Discount – Select insurance companies reward you with a discounted premium rate on car insurance if you buy a life policy as well.
  • Early Switch Discount – A few larger companies allow discounts for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the medical payments premium.
  • One Accident Forgiven – but some companies like Allstate, State Farm and Geico permit an accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
  • Low Mileage Discounts – Keeping the miles down on your Kia can qualify you for better premium rates on cars that stay parked.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies who may offer some of the above discounts include:

If you are trying to find cheaper insurance quotes, ask each company to apply every possible discount. Some discounts listed above might not be offered on policies in your area. To find providers that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • Does coverage extend to a rental car in a foreign country?
  • Does insurance cover damages from a DUI accident?
  • Should I have a commercial auto policy?
  • What are the financial responsibility laws in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy full coverage?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Specific coverages for a 2016 Kia Sorento

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Collision coverage

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

Collision coverage pays for things like driving through your garage door, crashing into a ditch, rolling your car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sorento.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. 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 limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like nursing services, hospital visits and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

And the best car insurance company is…

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

You just read quite a bit of information on how to shop for 2016 Kia Sorento insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates are with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

For more information, take a look at the resources below: