2016 Kia Sorento Insurance Cost – 7 Discounts for Best Prices

Trying to find cheaper insurance for a new or used Kia Sorento can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for car insurance and you need to know the absolute fastest way to quote coverages for a new or used Kia and locate the best price possible from local insurance agents and online providers.

Consumers should take time to check car insurance prices once or twice a year since insurance rates are constantly changing. Just because you found the lowest rates on Sorento insurance two years ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about car insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.

If you have insurance now or need a new policy, you can learn to reduce the price you pay while maximizing coverage. Locating affordable insurance coverage coverage is quite easy. Drivers just need to learn the proper methods to compare price quotes online.

Comprehensive Insurance Comparison

Finding cheaper 2016 Kia Sorento insurance prices doesn’t have to be difficult. The only thing you need to do is take the time to get quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to find low rates is to use a rate comparison form (click to open form in new window). This form prevents you from having to do a different quote for each company you want a rate for. One simple form will return quotes from several companies. This is by far the quickest method.
  • A harder way to get comparison quotes is spending the time to visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from State Farm, Safeco and Progressive. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but compare apples-to-apples coverage information with every price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to find the best deal for your Kia Sorento.

Cut your car insurance rates with these seven discounts

Auto insurance companies don’t list every discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Sorento insurance than drivers with accidents.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Paperwork-free – Some insurance companies will give a small break for buying a policy and signing up online.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Sorento insurance with a few car insurance companies.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

To see a list of insurers who offer car insurance discounts, click this link.

You are unique and your car insurance should be too

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have newly-aquired coverage?
  • Should I buy full coverage?
  • Does my 2016 Kia Sorento need full coverage?
  • Is motorclub coverage worth it?
  • Can I get a multi-policy discount?
  • What is the ISO rating for a 2016 Kia Sorento?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses for funeral costs, EMT expenses, surgery, dental work and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

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 a good idea.

Liability car insurance – This coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, legal defense fees, court costs, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – Collision coverage will pay to fix damage to your Sorento caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Smart consumers save more

As you shop your coverage around, do not buy poor coverage just to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as delays in paying claims, not issuing a premium refund, lack of trust in their agent and even extreme rates for teen drivers. It doesn’t matter what your reason, switching companies can be less work than you think.

Discount 2016 Kia Sorento insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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