View 2003 Kia Sorento Insurance Quotes

Shopping for the most affordable insurance online can be somewhat difficult for consumers not familiar with buying insurance on the web. Because there are so many insurers to choose from, how can anyone even start to compare the different rates to find the cheapest available price?

It’s a good habit to shop coverage around yearly since insurance rates are adjusted regularly by insurance companies. If you had the best price on Sorento insurance a year ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance online but we’re going to give you some excellent ideas to quit paying high insurance rates.

Factors that might impact rates for a Kia Sorento

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get lower insurance coverage prices.

The list below includes a few of the “ingredients” that factor into your rates.

  • Keep rates low by being claim-free – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies give lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Marriage brings a discount – Being married helps lower the price on your policy. Having a spouse means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time.
  • Your job and insurance rates – Jobs such as lawyers, social workers and stock brokers have the highest rates in part from stressful work requirements and lots of time spent at work. On the other hand, occupations such as farmers, students and retirees get better rates on Sorento insurance.

The best way to compare insurance rates from multiple companies is to know the fact most of the larger companies actually pay money for the chance to give free rates quotes. All you need to do is provide the companies a bit of rating information including distance driven, which vehicles you own, whether you are single or married, and whether or not you need a SR-22. Your insurance information gets sent immediately to multiple companies and they respond with quotes immediately.

The fine print in car insurance ads

Car insurance providers like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all say the same thing that you’ll save big if you change your policy. How does each company make the same claim?

All companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk might be between the ages of 40 and 55, owns a home, and has excellent credit. A customer who fits that profile will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t meet this ideal profile will be charged a higher premium and ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.

That is why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict the company that will provide you with the cheapest Kia Sorento insurance rates.

Best discounts on Kia Sorento coverage

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some must be asked for in order for you to get them.

  • Driver Safety – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Drivers Education – Have your child successfully complete driver’s ed class in school.
  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings when shopping for insurance on Sorento insurance.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • No Claims – Claim-free drivers pay less compared to frequent claim filers.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Sorento insurance than drivers with accident claims.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Senior Discount – Mature drivers may qualify for reduced rates on Sorento insurance.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any amount of discount will bring down your overall premium however.

A partial list of companies that may have these discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. Savings might not be offered in every state.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might help in determining whether you might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • What companies insure drivers after a DUI or DWI?
  • I have health insurance so do I need medical payments coverage?
  • Is my 2003 Kia Sorento covered for flood damage?
  • Am I covered if I break a side mirror?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Parts of your insurance policy

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as doctor visits, chiropractic care, ambulance fees, surgery and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This will cover damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. 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 can pay for things like funeral expenses, pain and suffering, medical expenses, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM 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 only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision insurance

Collision coverage covers damage to your Sorento resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle, hitting a bird and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

More choices the merrier

Affordable 2003 Kia Sorento insurance can be bought both online as well as from independent agents, so compare prices from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

In this article, we presented quite a bit of information on how to get a better price on insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.

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