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Kia Sorento Insurance Rates

Finding cheaper auto insurance on the web is simple to do and at the same time you might just save a little. The critical component is to compare as many rate quotes as possible so you can get all your choices.

Finding the best direct price on auto insurance is challenging if you have never used online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes to get quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

What influences the rate you pay?

Auto insurance rates for a Kia Sorento will vary greatly subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Your credit history
  • The size of your community
  • How many miles you drive
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you rent or own your home

A final factor which can affect Sorento insurance rates is the model year. New vehicles have a higher actual cash value in comparison to later models so the payout to repair will push premiums up. On the flip side, more recent Kia vehicles may have a trim level with safety features like automatic crash notification, anti-lock brakes, and a backup camera so those may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability car insurance

Sorento liability coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Auto collision coverage

This will pay to fix damage to your Kia caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Sorento collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Sorento insurance rates.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your Kia Sorento comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Sorento Insurance Rates?