View 2014 Kia Sorento Car Insurance Quotes

Looking for better insurance coverage rates for your Kia Sorento? Finding better insurance prices for a Kia Sorento can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance coverage and we’ll show you the best way to get price quotes for a Kia and get the cheapest rates from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Locating affordable protection is easy if you know what you’re doing. Consumers just need to learn the proper way to buy insurance coverage over the internet.

Why your Kia Sorento insurance rates may be high

Consumers need to have an understanding of the rating factors that come into play when calculating insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get better insurance rates.

  • Optional equipment can affect rates – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Just one citation may increase your cost twenty percent or more. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Liability coverage protects you – Liability insurance will protect you if you are found liable for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • You might want pay the small claims yourself – Insurance companies award cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Multi-policy discounts can save money – Some insurance companies will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Discounts are great for lower rates

Auto insurance companies do not advertise all available discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Sorento coverage with a few insurance companies.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Sorento coverage than their less cautious counterparts.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Save over 55 – Older drivers may be able to get reduced rates for Sorento coverage.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers offering insurance discounts, follow this link.

You may need specialized coverage

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Am I covered if I break a side mirror?
  • Am I covered if I wreck a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I remove comp and collision on my 2014 Kia Sorento?
  • Do I have coverage when making deliveries for my home business?
  • Do I need an umbrella policy?
  • Is a fancy paint job covered?

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 agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverages – This coverage can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might 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 coverage pays for things like repair bills for other people’s vehicles, funeral expenses, emergency aid, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, hospital visits, prosthetic devices, pain medications and funeral costs. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, damage from flooding and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) 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 claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Don’t throw your cash in the trash

In this article, we presented many ways to shop for 2014 Kia Sorento insurance online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the smallest insurance companies.

Discount insurance is attainable from both online companies and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find for the lowest price.

Much more information about insurance coverage is available on the following sites: