2015 Kia Sorento Insurance Quotes – 6 Tips for Cheaper Rates

Searching for cheaper insurance coverage rates for your Kia Sorento? Comparing insurance quotes online may seem complicated initially if you have never used online rate comparisons. But relax because using the internet to shop for insurance coverage is actually quite easy.

First Step: Get free insurance quotes

Effectively comparing insurance prices can take time and effort if you don’t know the most efficient way to do it. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company can give them a price based on that data. This prevents consumers from doing quote forms for each company.

To compare rates now click here to start a free quote.

The one downside to using this type of form is you cannot specify the companies you will receive quotes from. So if you want to choose from a list of companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to use the same quote information for each quote you get. If you enter mixed coverages it will be impossible to determine which company has the best rates. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, comparing a wide range of rates will enable you to find a better price. Some companies don’t provide rate quotes online, so you need to compare price quotes from the smaller companies as well.

Everyone needs different car insurance coverages

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is rental equipment covered for theft or damage?
  • When can my company non-renew my policy?
  • Should I carry comprehensive and collision coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?
  • What if I total my 2015 Kia Sorento and owe more than it’s worth?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Learning about specific coverages of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage protection

Collision coverage pays for damage to your Sorento resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage 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 insurance covers things such as theft, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, pain medications, EMT expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like funeral expenses, loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.