View 2017 Kia Sorento Insurance Quotes in 2024

Purchasing low-cost car insurance over the internet can appear to be impossible for beginners to comparing rates over the internet. With such a big selection of agents and companies competing online, how can you even start to compare each option to find the best price?

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. This information will tell you how to get online quotes. But car owners must learn how big insurance companies price insurance differently.

Insurance prices are influenced by these factors

Many things are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, but others are more obscure like your continuous coverage or your commute time. A large part of saving on auto insurance is knowing the different types of things that go into determining the level of your policy premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that can help you get lower auto insurance prices.

• Safer the car lower the rate – Safe vehicles tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid which can mean better rates for you. If your Kia Sorento earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• How many coverages with the same company – Many auto insurance companies provide discounts to insureds that buy multiple policies in the form of a multi-policy discount. Even with this discount applied, you still need to check prices from other companies to make sure you are getting the best deal.
• How’s your driving record? – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Only having one ticket can increase the cost of insurance by as much as thirty percent. Drivers who have received serious tickets like DUI or reckless driving may face state-mandated requirements to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Raising deductibles saves money – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Kia from damage. Examples of some claims that would be covered are colliding with a building, vandalism, and damage caused by flying debris. Physical damage deductibles define the amount you are willing to pay in the event of a claim. The higher the amount the insured is willing to pay, the less your auto insurance will be for Sorento coverage.
• Liability coverage safeguards assets – Liability coverage will protect you in the event that you are determined to be liable for damages caused by your negligence. It will provide legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Younger drivers are expensive to insure – More mature drivers are more cautious drivers, statistically cause fewer accidents , and are generally more financially stable. Young drivers have been known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
• Rate your vehicle for proper use – The more miles you rack up on your Kia in a year’s time the more you will pay for auto insurance. The majority of insurers charge rates based upon how you use the vehicle. Cars and trucks that have low annual miles can get a lower rate than vehicles that have high annual mileage. Having the wrong rating on your Sorento can cost quite a bit. It’s always a good idea to double check that your declarations sheet states the proper vehicle usage.

Do you qualify for discount car insurance?

Some insurers do not list every possible discount very clearly, so the following list contains some of the more common as well as the least known car insurance savings.

• Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
• Distant Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
• Membership in Organizations – Being in a qualifying organization may earn a discount when shopping for car insurance.
• Student Discount for Driver Training – Require your teen driver to successfully take a drivers education course in school.
• E-sign – Some of the larger companies may give you up to $50 for buying your policy over the internet.
• Defensive Driving Course – Taking part in a class that teaches defensive driving techniques could save 5% or more and also improve your driving technique.
• Discount for New Cars – Buying a new car model can cost up to 25% less compared to insuring an older model.
• No Charge for an Accident – but certain companies will allow you to have one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
• Telematics Data Discounts – Insureds that choose to allow data collection to monitor where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems could see savings as much as 30%.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will help lower your overall bill.

If you would like to choose from a list of insurers that offer multiple discounts, enter your zip code here.

Do drivers who switch really save $471 a year?

GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies have a common claim that drivers will save a bundle just by switching your coverage. But how can every company lower your premium rates? Here is the trick they use.

Many companies have an ideal profile for the type of driver that will most likely be profitable. One example of this type of insured could possibly be over the age of 35, carries high limits, and drives newer vehicles. Any customer who fits those characteristics gets the lowest premium rates and as a result will probably save some money.

Drivers who do not fit these criteria will get higher premiums which results in the customer not buying. If you pay attention, the ads say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make those claims.

Because every company is different, it’s extremely important to do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will provide the lowest premium rates.

What insurance coverages do I need?

When buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation may require specific advice.

• Is my camper covered by my car insurance policy?
• When can I cancel my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• How do I file an SR-22 for a DUI in my state?
• Is my 2017 Kia Sorento covered for smoke damage?
• Does my 2017 Kia Sorento qualify for pleasure use?
• Are rental cars covered under my policy?
• Am I covered if I hit a deer?
• Am I covered when pulling a rental trailer?
• Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, surgery and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. 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 but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Sorento from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage, theft, rock chips in glass and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2017 Kia Sorento.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liability limits.

At the end of the day…

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.

Drivers who switch companies do it for many reasons like lack of trust in their agent, delays in paying claims, delays in responding to claim requests or policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

Discount 2017 Kia Sorento insurance can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agents.