View 2016 Kia Sorento Insurance Quotes

Buyers have lots of choices when searching for affordable Kia Sorento insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to compare rates.

There is a better way to buy insurance coverage so we’re going to tell you the quickest way to compare rates on a Kia and locate the cheapest rates from local insurance agents and online providers.

If you are insured now or need a new policy, you can learn to reduce the price you pay while maximizing coverage. This information will familiarize you with how car insurance quotes work and some tips to save money. Drivers only need an understanding of the most effective way to shop on the web.

How much does auto insurance cost?

There are a variety of methods to compare auto insurance prices and some are more efficient than others. You can spend your afternoon driving to insurance agencies in your area, or you could use the web to achieve your goal.

Many popular insurance companies take part in a program that enables customers to complete one form, and each company provides a quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify the companies to receive prices from. If you would rather choose individual companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but do your best to enter the exact same quote information for each quote you get. If each company quotes differing limits you will not be able to make a fair comparison for your Kia Sorento.

The car insurance bait and switch

Consumers can’t escape the ads that claim the cheapest prices by companies like State Farm, Allstate and GEICO. All the ads make the same claim that you’ll save big if you move your coverage.

How do they all save you money? Just pay attention to how they say it.

Most companies give the best rates for the type of insured that will generate a profit. A good example of this type of risk profile could be between 30 and 50, carries high limits, and has great credit. A customer that meets those criteria will probably get cheap prices and therefore will save some money.

Potential customers who fall outside those standards will see more expensive rates and this can result in the prospect going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully make claims that they all have the best prices.

This emphasizes why you really should quote coverage with many companies. Because you never know the company that will have the lowest rate quotes.

Eight factors that impact insurance premiums

Many different elements are used in the calculation when premium rates are determined. A few of the factors are predictable like your driving record, although some other factors are less obvious such as your credit history and annual miles driven.An important part of buying insurance is that you know the rating factors that aid in calculating your premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that may reward you with cheaper rates.

  • More than one policy can earn a discount – The majority of insurers allow a discount for people who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still get quotes from other companies to help ensure you have the lowest rates.
  • Pay lower costs if you’re married – Having a spouse can actually save you money when shopping for auto insurance. It translates into being more financially stable and insurance companies like that married drivers get in fewer accidents.
  • Discounts for theft deterrents – Selecting a car model with an alarm system can save you a little every year. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
  • Obey driving laws and save – Drivers with clean records receive lower rates than their less careful counterparts. Having just one citation can increase rates by twenty percent. Drivers who get license-revoking tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
  • Poor credit rating equals high premiums – Having a good credit history factor in your rate calculation. So if your credit can be improved, you could potentially save money when insuring your 2016 Kia Sorento by improving your credit score. People that have high credit ratings tend to be better risks to insure than drivers with poor credit scores.
  • No auto insurance claims equals better auto insurance rates – Auto insurance companies give better rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of larger claims.
  • Bump up physical damage deductibles to lower rates – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. A few examples of covered claims would be a broken side mirror, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define how much you are required to pay if a claim is determined to be covered. The more you have to pay, the bigger discount you will receive on Sorento coverage.
  • Don’t skimp on liability coverage – Your policy’s liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. Your liability coverage provides you with a defense in court starting from day one. It is affordable coverage compared to comp and collision, so do not cut corners here.

You may qualify for discounts

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but occassionally some discounts must be asked about before being credited.

  • Membership in Organizations – Being in a civic or occupational organization could qualify you for a break on insurance coverage.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings because it means you have a higher level of financial diligence.
  • No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and Allstate may permit one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Sign Online – Some of the larger companies will give you a small discount simply for signing on your computer.
  • Low Mileage Discounts – Fewer annual miles on your Kia can earn slightly better premium rates than normal.
  • Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for lower premium rates on Sorento coverage.
  • Discounts for Multiple Vehicles – Insuring multiple cars on a single policy qualifies for this discount.

We need to note that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will definitely lower your insurance coverage premiums.

Some of the insurance companies that may include these discounts include:

Check with each company or agent what discounts are available to you. Some discounts may not apply to policyholders in your state. For a list of insurance companies that offer many of these discounts, click this link.

There’s no such thing as the perfect insurance policy

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can help discover if your situation may require specific advice.

  • Can I afford to buy a different vehicle if my 2016 Kia Sorento is totaled?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Should I buy only the required minimum liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my liability insurance cover pulling a trailer or camper?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance 101

Having a good grasp of your auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, pain medications, EMT expenses, chiropractic care and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, hail damage and a tree branch falling on your vehicle. 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.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Kia Sorento.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage

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

Collision can pay for things such as colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, denial of a claim, questionable increases in premium and even high rates after DUI convictions. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Lower-priced 2016 Kia Sorento insurance is attainable on the web and from local agencies, 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 offer online rate quotes and many times these regional insurance providers only sell coverage through local independent agencies.

In this article, we presented quite a bit of information on how to lower your 2016 Kia Sorento insurance premium rates. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding cheap auto insurance. You may even find the lowest premium rates come from a smaller regional carrier.

Even more information can be read at these sites: