Cheaper 2007 Kia Sorento Insurance Quotes

Locating the cheapest insurance for your Kia Sorento can normally be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy.

There is a right way and a wrong way to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for your Kia and find the best price possible.

It’s a good habit to get comparison quotes before your policy renews because insurance coverage rates go up and down regularly. If you had the lowest rate on Sorento insurance last year other companies may now be cheaper. Block out anything you think you know about insurance coverage because I’m going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Finding more affordable auto insurance coverage can be fairly easy. If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Consumers only need an understanding of the proper way to find the lowest price over the internet.

Get lower-cost insurance premiums by understanding these factors

Smart consumers have a good feel for some of the things that play a part in calculating your auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that could help you find lower premium levels.

The factors shown below are some of the items that factor into your prices.

  • Driving citations hurt – A bad driving record impacts premiums far more than you think. Just one chargable violation may increase your cost by as much as thirty percent. Drivers with clean records get better rates as compared to those with violations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Get hitched and get better prices – Getting married may earn you lower rates on your auto insurance bill. Having a spouse means you’re more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles reduce the chance of injuries and fewer injuries means less claims paid and thus lower rates.
  • Cheaper premiums for prior coverage – Allowing your coverage to lapse will be a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, the inability to provide proof of insurance will get you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Does auto insurance cost more for males? – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders cause at-fault accidents in similar numbers, but the males tend to have higher claims. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
  • Rates may be higher where you live – Residing in less populated areas of the country can be a good thing when it comes to auto insurance. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Credit rating impacts premium rates – A driver’s credit rating will be a significant factor in determining what you pay for auto insurance. Insureds that have excellent credit tend to file fewer claims than drivers who have worse credit. So if your credit score could use some work, you could save money insuring your 2007 Kia Sorento by taking the time to improve your credit score.
  • Prices can be impacted by your job – Careers like lawyersairline pilots and dentists tend to have the highest rates attributed to intense work situations and extremely grueling work hours. Conversely, occupations like farmers, athletes and performers get better rates on Sorento insurance.

Lower rate quotes with these car insurance discounts

Some providers don’t list all possible discounts very well, so we researched both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Student in College – Children who are attending college and do not take a car to college may be able to be covered for less.
  • Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer models.
  • Defensive Driving Course – Participating in a defensive driving class could save 5% or more and easily pay for the cost of the class.
  • Drive Less and Save – Driving less may allow you to get cheaper car insurancerates.
  • Telematics Discount – Policyholders that allow driving data submission to monitor their driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Sorento insurance depending on your company.
  • Switch and Save Discount – A few companies give discounts for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • No Claim Discounts – Drivers who stay claim-free get the best car insurance rates compared to insureds who have frequent claims or accidents.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

Large car insurance companies and a partial list of their discounts are outlined below.

  • Travelers may include discounts for driver training, good student, IntelliDrive, save driver, early quote, and multi-policy.
  • 21st Century offers discounts including good student, automatic seat belts, student driver, teen driver, early bird, and driver training.
  • State Farm discounts include Steer Clear safe driver discount, multiple autos, good student, passive restraint, safe vehicle, and multiple policy.
  • GEICO includes discounts for seat belt use, driver training, military active duty, anti-lock brakes, defensive driver, good student, and membership and employees.
  • SAFECO offers premium reductions for multi-car, anti-theft, teen safety rewards, bundle discounts, homeowner, and teen safe driver.
  • AAA offers discounts for education and occupation, anti-theft, pay-in-full, multi-policy, and good driver.

Before buying, ask all the companies how you can save money. Some discounts listed above might not be offered in your area. To choose insurance companies that offer some of these discounts, click here.

Auto insurance can get complicated

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you might need professional guidance.

  • Am I better off with higher deductibles on my 2007 Kia Sorento?
  • When should my teen driver be added to my policy?
  • Am I getting all the discounts available?
  • Do I need medical payments coverage since I have good health insurance?
  • Which is better, split liability limits or combined limits?
  • What if I don’t agree with a claim settlement offer?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance 101

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, hail damage, damage from getting keyed and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Kia Sorento.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Collision coverage protection

This coverage pays for damage to your Sorento from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, surgery, doctor visits, prosthetic devices and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

Insureds switch companies for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, high rates after DUI convictions or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

Some companies do not provide online rate quotes and most of the time these smaller companies only sell through independent insurance agencies. Cheap 2007 Kia Sorento insurance is available from both online companies and from local agencies, and you need to price shop both to have the best chance of lowering rates.

While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage only to find out that it was a big error on their part. Your goal should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

More tips and info about auto insurance is available by following these links: