2018 Kia Sorento Car Insurance Quotes – 5 Discounts for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Kia Sorento? Cutting costs on auto insurance can seem to be nearly impossible for drivers who are beginners to online price comparisons. You have so many different companies and agents to choose from that it can easily become a difficult mission to find the lowest price.

How to find the cheapest car insurance

To find cheap insurance quotes, there are several ways to compare prices from local car insurance companies. The easiest way by far to find competitive 2018 Kia Sorento insurance rates is to jump online and get quotes. This is very easy and can be done in several different ways.

  • Experts agree that the best way to find low rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quotation requests for every car insurance company. One form submission gets coverage cost estimates from several companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to analyze rates requires visiting each company’s website and get a separate price quote. For sake of this example, let’s assume you want comparison quotes from USAA, Progressive and Farmers. You would need to go to every website and type in your information over and over, which is why the first method is more popular.

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

  • Even if you have time, the least recommended method to price shop rates is to spend your day driving to all the different insurance agencies. Comparing online rate quotes has reduced the need for local agents unless you prefer the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to price shop online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just try to keep nearly identical coverage information for every quote you compare. If you enter different data it’s not possible to determine which company has the best rates. Just a small difference in limits can mean a large discrepancy in price. Just remember that making a lot of price comparisons increases your odds of finding more affordable insurance.

Get lower-cost insurance coverage rates with discounts

Insurance coverage is expensive, but you might find some hidden discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be asked for before they will apply.

  • Multi-car Discount – Buying a policy with primary and secondary vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially in comparison to insureds who have frequent claims or accidents.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Federal Government Employee – Federal government employees may reduce rates when you quote insurance on Sorento insurance depending on your insurance coverage provider.
  • College Student – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.

A quick disclaimer, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

The best insurance coverage companies and a summarized list of policyholder discounts include:

  • State Farm includes discounts for good student, multiple autos, student away at school, driver’s education, passive restraint, and accident-free.
  • Farmers Insurance may include discounts for youthful driver, switch companies, distant student, early shopping, pay in full, and bundle discounts.
  • Progressive has discounts for multi-policy, good student, online signing, homeowner, online quote discount, and multi-vehicle.
  • Geico discounts include driver training, federal employee, seat belt use, emergency military deployment, and multi-vehicle.
  • Auto-Owners Insurance offers discounts including mature driver, air bags, multi-policy, teen driver, company car, paid in full, and student away at school.
  • The Hartford may have discounts that include vehicle fuel type, good student, driver training, bundle, air bag, and defensive driver.
  • Farm Bureau offers discounts for safe driver, multi-policy, youthful driver, 55 and retired, and driver training.
  • USAA has savings for annual mileage, family discount, multi-vehicle, multi-policy, defensive driver, military installation, and vehicle storage.

When quoting, ask each insurance company to apply every possible discount. All car insurance discounts may not apply in your state. To locate insurers that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight if your situation might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • Is my 2018 Kia Sorento covered for smoke damage?
  • Does coverage extend to a rental car in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is high-risk coverage and where do I buy it?
  • What are the best liability limits?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, legal defense fees, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, fire damage, hitting a bird and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as ambulance fees, pain medications and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, backing into a parked car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family 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. This is the reason having UM/UIM coverage is very important.

Summing up your car insurance search

Insureds leave their current company for any number of reasons including policy non-renewal, high prices, being labeled a high risk driver and even policy cancellation. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.

Throughout this article, we presented quite a bit of information on how to lower your 2018 Kia Sorento insurance prices. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

When searching for cheaper insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at a price you can afford while still protecting your assets.

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