2006 Kia Sorento Car Insurance Quotes – 7 Policy Discounts

Looking for the cheapest insurance coverage rates for your Kia Sorento? Finding cheap rates for Driversinsurance coverage may be a challenge for beginners to quoting and comparing prices online. There are so many options that it can quickly become more work than you anticipated to find better prices.

Buy car insurance online

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the easiest way. You can waste hours driving to insurance agencies in your area, or you could save time and use the internet for quick rates.

Most major companies participate in an industry program that enables customers to enter their policy data once, and at least one company can provide price quotes based on that information. This eliminates the need for form submissions to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to using this type of form is you are unable to specify which insurance companies to receive prices from. If you would rather choose specific insurance companies to compare, we put together a list of car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just do your best to use the same quote information with each company. If your comparisons have different coverage information you will not be able to find the best deal for your Kia Sorento. Having just a slight variation in insurance coverages or limits can make a big difference in price. Just remember that making a lot of price comparisons will enable you to find better pricing. Some regional insurers cannot provide online price quotes, so you need to compare price quotes from them, too.

Save money by getting these seven discounts

Car insurance companies don’t always list all possible discounts in a way that’s easy to find, so the below list has both the well known and the more hidden discounts that you may qualify for.

  • Organization Discounts – Being in certain professional organizations could qualify you for a break when getting a insurance quote.
  • Switch and Save Discount – Select insurance companies give a discount for signing up prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Waiver for an Accident – but companies like Liberty Mutual and GEICO permit an accident before raising your premiums if you are claim-free for a certain period of time.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

To see insurance companies who offer cheap insurance quotes, click here.

Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy additional glass protection?
  • Is my Kia Sorento covered if I use it for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I still get insurance after a DUI?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but one or more may 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.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, X-ray expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision – This 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 can pay for claims like damaging your car on a curb, driving through your garage door, hitting a mailbox 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 bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like funeral expenses, bail bonds, pain and suffering, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Kia Sorento.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Make an honest buck

Insureds switch companies for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, poor customer service and extreme rates for teen drivers. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

We just covered some good ideas how to shop for 2006 Kia Sorento insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the most savings is with a small local company.

As you quote insurance, it’s very important that you do not skimp on coverage in order to save money. In many instances, an accident victim reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

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