2014 Kia Sorento Insurance Rates – 10 Savings Tips

Getting lower-cost insurance on the internet may be problematic for people that are not comfortable with quoting and price shopping online. With such a big selection of agents and insurers available, how are we expected to even start to compare every company to locate the best available price?

It’s smart to compare rates occasionally since insurance prices are constantly changing. Despite the fact that you may have had the best quotes on Sorento coverage a year ago other companies may now be cheaper. You can find a lot of misleading information regarding insurance online but in a few minutes you can learn some proven techniques to stop overpaying for insurance.

Discount auto insurance quotes

Companies offering auto insurance don’t always advertise every discount they offer in a way that’s easy to find, so the following is a list of a few of the more common and the more hidden credits that you can use to lower your rates.

  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Sorento coverage depending on your company.
  • Include Life Insurance and Save – If the company offers life insurance, you could get better prices if you take out life insurance.
  • Early Renewal Discounts – Some larger companies provide a discount for signing up before your current coverage expires. The savings is around 10%.
  • Save over 55 – Seniors can get lower premium rates on Sorento coverage.
  • Multiple Cars – Drivers who insure multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • College Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • Own a Home – Owning your own home or condo may earn you a small savings because maintaining a house is proof of financial responsibility.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new vehicles are generally safer.
  • Good Student Discount – Being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Don’t be surprised that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

To view insurance companies who offer free auto insurance quotes, click here.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Am I covered when driving a rental car?
  • Where can I get insurance after a DUI in my state?
  • Do I need replacement cost coverage?
  • Does coverage extend to my business vehicle?
  • Am I getting all the discounts available?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance policy coverages for a 2014 Kia Sorento

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Kia Sorento.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass, falling objects, a broken windshield and hitting a deer. The maximum amount 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.

Liability auto insurance

This will cover damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as structural damage, pain and suffering, court costs and bail bonds. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, doctor visits and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Sorento caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, crashing into a ditch, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

The bottom line

We covered many tips how you can lower your 2014 Kia Sorento insurance prices. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the best price on insurance is with a lesser-known regional company.

When shopping online for insurance, do not skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Affordable 2014 Kia Sorento insurance is possible both online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide online rate quotes and usually these small insurance companies sell through independent agents.

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