Lower Your 2011 Kia Sorento Insurance Rates

Trying to find better car insurance rates for your Kia Sorento? Getting the lowest price car insurance on the internet can appear to be rather challenging for people new to comparison shopping online. With so many options of insurers available, how are people expected to be able to compare every company in order to find cheaper car insurance rates?

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. Nevertheless, drivers can benefit by having an understanding of the way companies price insurance differently and take advantage of how the system works.

Are you receiving every discount?

Insurance coverage is not inexpensive, but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply at quote time, but some need to be manually applied before being credited. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Defensive Driver Discount – Passing a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • Low Mileage – Low mileage vehicles could earn slightly better prices than normal.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new vehicles have better safety ratings.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars on a single policy may reduce the rate for each vehicle.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Telematics Discount – Insureds that choose to allow companies to look at driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings because it is proof that your finances are in order.
  • Accident Free – Drivers who don’t have accidents pay less when compared to bad drivers.

You should keep in mind that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will help lower your insurance coverage premiums.

A few popular companies and a selection of discounts can be found below.

  • The Hartford has savings for defensive driver, anti-theft, good student, air bag, driver training, and vehicle fuel type.
  • American Family includes discounts for mySafetyValet, early bird, accident-free, TimeAway discount, Steer into Savings, good student, and multi-vehicle.
  • Progressive may have discounts that include multi-vehicle, online signing, multi-policy, homeowner, continuous coverage, online quote discount, and good student.
  • Travelers offers discounts for home ownership, student away at school, save driver, payment discounts, and good student.
  • Farmers Insurance may offer discounts for multi-car, pay in full, good student, mature driver, and electronic funds transfer.
  • USAA offers premium reductions for good student, safe driver, annual mileage, driver training, and vehicle storage.
  • Liberty Mutual may include discounts for safety features, hybrid vehicle, preferred payment discount, new graduate, exclusive group savings, new move discount, and new vehicle discount.

Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts listed above might not be offered in your area. To see a list of insurance coverage companies with discount insurance coverage rates, follow this link.

The cheapest insurance

When shopping for cheaper insurance quotes, there are a couple of ways to obtain and compare prices from different companies. The best method to comparison shop consists of shopping online. This can be accomplished by using one of the methods below.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do repetitive form submissions to each individual insurance company. A single form gets rate comparisons from several companies. This is by far the quickest method.
  2. A different way to compare rate quotes requires you to visit each company’s website and repeat the quote process again and again. For example, we’ll assume you are doing a rate comparison from Auto-Owners, State Farm and GEICO. In order to compare rates, you need to navigate to each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but try to use the exact same coverage data with every price quote. If the quotes have unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Even a minor difference in coverages could skew the results. Just remember that obtaining a wide range of quotes increases your odds of finding a lower rate than you’re paying now. Not every company does quotes online, so it’s important to also get price quotes from the smaller companies as well.

When in doubt talk to an agent

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • Is my 2011 Kia Sorento covered for smoke damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I total my 2011 Kia Sorento and owe more than it’s worth?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • Do all my vehicles need collision coverage?
  • Am I covered if hit by an uninsured driver?
  • Is my camper covered by my car insurance policy?
  • If my pet gets injured in an accident are they covered?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your Sorento from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability car insurance

This will cover damage that occurs to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like medical services, repair costs for stationary objects, repair bills for other people’s vehicles, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills like X-ray expenses, rehabilitation expenses and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane, a broken windshield, falling objects and hitting a bird. The maximum 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 dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 2011 Kia Sorento.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Be Smart and Buy Smart

Lower-priced 2011 Kia Sorento insurance can be found both online and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and most of the time these regional insurance providers only sell coverage through independent agents.

We covered a lot of information how to compare 2011 Kia Sorento insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest prices come from a lesser-known regional company.

As you shop your coverage around, never reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to regret they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

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