2008 Kia Sorento Insurance Quotes – 8 Policy Discounts

Searching for cheaper auto insurance rates for your Kia Sorento? Nobody I know likes paying for auto insurance, especially when their premiums are through the roof.

With so many insurance providers from which to choose, it is hard for the average consumer to find the best company.

How to save on Kia Sorento insurance

Companies do not list all available discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known ways to save on insurance coverage.

  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Paperwork-free – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Passive Restraints and Air Bags – Cars that have air bags can get savings of more than 20%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Kia could qualify for discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts are:

Double check with each company how you can save money. All car insurance discounts might not be offered in your state.

How to Get Insurance Coverage

The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The best method to compare 2008 Kia Sorento insurance prices consists of shopping online. This can be done in several different ways.

  • The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating separate quote forms for each company. One quote request will get you rate comparisons from all major companies.
  • A more difficult way to compare rate quotes is spending the time to visit each company’s website to complete a price quote. For instance, we’ll assume you want comparison quotes from USAA, 21st Century and Geico. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The hardest method of comparing rate quotes is to waste gas driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but make absolute certain that you use identical information for each comparison quote. If you have higher or lower deductibles it will be impossible to determine the lowest rate for your Kia Sorento. Quoting even small variations in limits may result in large price differences. And when comparing insurance coverage rates, know that comparing more company’s prices will improve the odds of getting the best rates.

Tailor your coverage to you

When it comes to buying coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Is motorclub coverage worth it?
  • Should I sign the liability waiver when renting a car?
  • What happens if I owe more than my 2008 Kia Sorento is worth?
  • How do I file an SR-22 for a DUI in my state?
  • How much liability coverage do I need in my state?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What are the financial responsibility laws in my state?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverages 101

Knowing the specifics of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2008 Kia Sorento.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair costs for stationary objects, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

In this article, we presented a lot of information how to save on 2008 Kia Sorento insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage only to regret that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

More detailed insurance information can be found in these articles: