Have you finally had enough of being strong-armed to make your car insurance payment? You are no different than many other consumers. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.
It’s smart to get comparison quotes as often as possible since insurance rates change quite often. Just because you had the best deal for Sorento coverage six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.
Insurance can be prohibitively expensive, but there’s a good chance there are discounts that you may not know about. Certain reductions will be credited when you quote, but a few must be specifically requested before being credited. If you aren’t receiving every discount available, you may be paying too high a price.
A quick disclaimer, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
If you would like to choose from a list of insurers that provide some of the discounts listed above, click this link.
Finding cheap auto insurance quotes can be quick and easy. You just have to take a couple of minutes to compare rate quotes online from several insurance companies. This can easily be done using one of these methods.
For a list of companies in your area, click here.
However you get your quotes, ensure you are comparing equivalent coverage limits on every quote you get. If each company quotes different deductibles it will be next to impossible to determine which rate is truly the best.
When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation might need professional guidance.
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.
Collision coverages – Collision insurance will pay to fix damage to your Sorento caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like crashing into a ditch, driving through your garage door, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Liability coverage – This coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like emergency aid, medical services, repair bills for other people’s vehicles, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.
UM/UIM Coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for funeral costs, prosthetic devices, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This 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 coverage pays for things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.
Cheaper 2003 Kia Sorento insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not provide online price quotes and these small, regional companies work with independent insurance agencies.
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