Paying for high-priced Kia Sorento insurance can drain your savings account and make it hard to pay other bills. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.
You have so many insurers to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.
It’s smart to get comparison quotes occasionally since rates are rarely the same from one policy term to another. Even if you got the lowest rates on Sorento insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.
Finding affordable coverage is not that difficult. Basically, every driver who shops for auto insurance most likely will be able to find better rates. Although car owners do need to understand how insurance companies sell insurance online.
There are several ways to get quotes from different insurance companies. One of the best ways to find the cheapest Kia Sorento insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.
For a list of links to companies insuring cars in your area, click here.
Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits for each price quote. If each company quotes different liability limits it will be impossible to make an equal comparison. Just a small difference in insurance coverages can make a big difference in price. It’s important to know that comparing more company’s prices helps you find the best rates.
Companies like State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. All the ads have a common claim that you can save if you switch your coverage to them. How can each company make almost identical claims?
All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a desirable insured could possibly be between 30 and 50, has no driving citations, and has great credit. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.
Potential insureds who don’t qualify for these standards must pay more money which leads to business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently advertise the savings. This illustrates why it is so important to get quotes from several different companies. It’s impossible to know which auto insurance company will provide you with the cheapest rates.
Auto insurance companies don’t list all their discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.
Drivers should understand that most discounts do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.
To choose insurers offering auto insurance discounts, click here.
Some consumers just want to visit with an insurance agent and that is just fine! One of the best bonuses of getting online price quotes is that you can obtain better rates and still choose a local agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is submitted to agents in your area who will give you bids for your insurance coverage. You won’t need to leave your house as quotes are delivered straight to your inbox. Get lower rates and work with a local agent.
Deciding on an insurance company needs to be determined by more than just a low price. Some important questions to ask are:
When searching for a good insurance agency, there are two types of insurance agents that you can select. Agents can either be independent (non-captive) or captive.
Captive insurance agents can only write with one company like AAA, Allstate and State Farm. They are unable to give you multiple price quotes so always compare other rates. Captive agents are well schooled on their company’s products which helps them compete with independent agents.
These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparison shopping, we recommend you contact at a minimum one independent agency to get the best comparison.
For a complete listing of auto insurance agents, visit this site.
Upon receiving positive responses and an acceptable price quote, it’s possible that you found an auto insurance agent that will service your policy. But keep in mind once you purchase a policy you can cancel a policy whenever you wish so don’t assume you’re contractually obligated to any specific agency for any length of time.
Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.
This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Sorento.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as theft, hitting a deer, hitting a bird, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability insurance provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability can pay for claims like legal defense fees, bail bonds, funeral expenses, structural damage and loss of income. How much coverage you buy is up to you, but buy higher limits if possible.
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, hospital visits, funeral costs and dental work. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Collision insurance will pay to fix damage to your Sorento resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.
We just presented a lot of information how to shop for Kia Sorento insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the most savings is with some of the lesser-known companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.
Affordable Kia Sorento insurance is possible on the web and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.