Save on 2012 Kia Sorento Insurance Cost

If you’re looking for more affordable insurance on the web, do you get overwhelmed by the dozens of car insurance choices that you can choose from? There are so many options that it can easily become a big hassle to find the lowest price.

You need to check car insurance prices at least once a year due to the fact that insurance rates trend upward over time. If you had the best premium rates for Sorento coverage a couple years back the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re about to learn the best way to buy cheaper car insurance.

How to find the cheapest car insurance

To get inexpensive auto insurance quotes, there a variety of ways to get quotes from many available car insurance companies in your state. By far the easiest way to lower the rate you pay for 2012 Kia Sorento insurance consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The recommended way to find low rates is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do separate forms for each company. Filling out one form gets you coverage quotes from multiple companies.It’s the quickest way to get rates.
  2. Another way to compare prices is spending the time to visit the website for every company you want to comare to request a price quote. For examples sake, we’ll pretend you want to see prices from State Farm, Liberty Mutual and American Family. To get each rate you have to spend time going to each site individually and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

  3. The last method to comparison shop rate quotes is calling or driving to different agent offices. The internet makes this unnecessary unless you’re the type of person who wants the professional abilities of a licensed agent. Drivers can obtain prices from the web but purchase the actual policy in an agency.

The approach you take is up to you, just be sure to compare apples-to-apples coverage limits on every quote. If each company quotes different liability limits you can’t possibly make a fair rate comparison. Even a minor difference in insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing all the rates in your area will improve the odds of getting a lower rate. Not every company allows you to get online quotes, so it’s important to compare quotes from those companies as well.

Save a ton by taking advantage of discounts

Companies do not list all possible discounts in an easy-to-find place, so the following list contains some of the best known and the harder-to-find ways to save on car insurance.

  • Defensive Driver – Taking a course teaching safe driver skills could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Switch and Save Discount – A few car insurance companies give discounts for buying a policy before your current coverage expires. You can save around 10% with this discount.
  • No Accidents – Drivers who stay claim-free have much lower rates as opposed to drivers with a long claim history.
  • Mature Driver Discount – Drivers that qualify as senior citizens are able to get better car insurance rates for Sorento coverage.
  • Telematics Data Discounts – Insureds that choose to allow data collection to monitor where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates as long as the data is positive.
  • Professional Memberships – Belonging to qualifying employment or professional organizations could trigger savings when getting a auto insurance quote.
  • Distant College Student Discount – Any of your kids living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Large car insurance companies and some of the premium reductions they offer are:

  • Progressive policyholders can earn discounts including good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
  • The Hartford may offer discounts for good student, anti-theft, air bag, defensive driver, and driver training.
  • Mercury Insurance has discounts for good driver, multi-policy, age of vehicle, low natural disaster claims, and multi-car.
  • GEICO offers discounts including good student, multi-policy, emergency military deployment, anti-lock brakes, defensive driver, and anti-theft.
  • AAA offers premium reductions for anti-theft, multi-policy, good driver, education and occupation, good student, pay-in-full, and multi-car.
  • State Farm has savings for driver’s education, accident-free, anti-theft, good student, and safe vehicle.

Check with each company or agent to give you their best rates. Depending on the company, some discounts might not be offered in your area. To locate car insurance companies with the best discounts, click this link.

How much insurance do I need?

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether you will benefit from professional help.

  • Should I buy additional glass protection?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to my business vehicle?
  • Is a fancy paint job covered?
  • Am I covered when driving a rental car?
  • Is my state a no-fault state?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Find Kia Sorento insurance cheaper

When buying auto insurance it’s important to understand the factors that come into play when calculating your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Many things are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, but other factors are more transparent such as whether you are married or your financial responsibility.

The list below includes a few of the “ingredients” used by insurance companies to determine your premiums.

  • Employer and insurance prices – Occupations such as military personnel, social workers and stock brokers generally pay higher rates than the rest of us because of high stress levels and long work hours. Other careers such as scientists, athletes and retirees have the lowest average rates for Sorento coverage.
  • Driver age impacts rates – Young drivers have a tendency to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. More mature drivers are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.
  • Big city or small town – Residing in less populated areas of the country is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents and a lower car theft rate. City drivers regularly have congested traffic and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Do you have enough liability protection? – Your auto insurance policy’s liability coverage kicks in if you are found to be at fault for damages from an accident. It provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Higher rates for auto insurance policy lapses – Letting your insurance expire will be a sure-fire way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Only buy what you need – There are a lot of additional coverages that can add up on your Sorento policy. Coverage for things like rental car coverage, high-cost glass coverage, and extra life insurance coverage are probably not needed. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.

Insurance coverage savings promises

Companies like State Farm and Allstate seem to constantly run television, radio, and online ads. All the ads make the same claim that drivers can save some big amount if you switch your policy. How is it possible that every company can charge lower premium rates? You have to listen carefully.

Many companies offer their best rates for the type of driver they prefer to insure. For example, this type of driver might have to be a married male, has no tickets, and drives less than 7,500 miles a year. Anybody who matches those parameters will probably get cheap rates and will probably cut their rates substantially.

Potential insureds who don’t qualify for this stringent profile will be charged a higher premium which usually ends up with business going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully lure you into getting a quote. This really drives home the point why it’s extremely important to get price quotes at each policy renewal. It is just not possible to predict which insurance coverage company will be your best fit.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2012 Kia Sorento.

Due to the fact that 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 very important.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a mailbox, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, loss of income, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Comprehensive protection – Comprehensive insurance coverage 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 theft, damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses for pain medications, nursing services, hospital visits, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

People who switch companies do it for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter why you want to switch finding a new insurance coverage company can be easy and end up saving you some money.

Lower-priced insurance coverage can be found online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online quoting and many times these regional insurance providers sell through independent insurance agencies.

We just covered many tips how you can shop for 2012 Kia Sorento insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the best premium rates are with a smaller regional carrier.

Even more information is located by following these links: