2020 Kia Sorento Car Insurance Cost in 2024

Having to pay for pricey Kia Sorento insurance can bottom out your budget and force you to make sacrifices.

Online insurance companies like State Farm and GEICO continually bombard you with advertising and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s important to price shop coverage as often as possible due to the fact that insurance prices trend upward over time. Just because you found the best quotes on Sorento insurance a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to find out the things you must know in order to find better coverage at a better price.

Get cheap insurance coverage with discounts

Auto insurance companies do not list their entire list of discounts in a way that’s easy to find, so we researched a few of the more common as well as the least known insurance coverage savings.

• Sign Online – A handful of insurance companies will provide an incentive for buying a policy and signing up online.
• Air Bag Discount – Factory options such as air bags could see savings of 20 to 30 percent.
• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will allow you to have one accident without getting socked with a rate hike if you have no claims before the accident.
• Good Students Pay Less – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Sorento insurance with some insurance coverage companies.
• ABS Braking Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Include Life Insurance and Save – Some insurance coverage companies give better rates if you take out a life policy as well.
• Seat Belt Discounts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Senior Citizens – Drivers over the age of 55 may receive lower premium rates on Sorento insurance.

It’s important to note that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A few companies who may offer some of the discounts shown above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you are trying to find affordable insurance quotes, ask every insurance company what discounts are available to you. A few discounts may not be available in your area.

The quickest method to compare car insurance rates takes advantage of the fact most insurance companies actually pay money for the chance to provide you with free rate quotes. All you need to do is provide a small amount of information like if a SR-22 is needed, distance driven, your credit rating estimate, and whether you are married. The rating information is submitted instantly to multiple companies and you receive quotes within a short period of time.

Decisions you make can impact your insurance costs

A large part of saving on auto insurance is knowing the rating factors that help determine the rates you pay for auto insurance. If you know what controls the rates you pay, this enables you to make decisions that could help you find lower auto insurance prices. Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are less apparent such as whether you are married or how safe your car is.

• Never let your auto insurance lapse – Letting your insurance expire will be a sure-fire way to increase your rates. Not only will rates go up, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license.
• How old are your drivers? – More mature drivers are shown to be more cautious, tend to file fewer claims and get fewer tickets. Teenage drivers are statistically shown to be less responsible when driving and because of this, their auto insurance rates are much higher.
• Vehicle theft costs us all – Buying a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft.
• High stress job may mean higher premiums – Careers like military generals, social workers and emergency personnel usually pay the highest average rates because of intense work situations and lots of time spent at work. Other jobs such as actors, engineers and retirees have lower than average premiums on Sorento insurance.
• Do you need those incidental coverages? – There are a lot of optional add-on coverages that may not really be needed but may not be useful. Coverages for coverage for rental cars, better glass coverage, and motor club memberships could be just wasting money. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
• Lower rates with a multi-policy discount – Some insurers give discounts to clients who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to compare other company rates to ensure the best deal.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining whether or not you might need professional guidance.

• Am I covered if hit by an uninsured driver?
• If my pet gets injured in an accident are they covered?
• What vehicles should carry emergency assistance coverage?
• Am I covered when delivering products for my home-based business?
• Can I afford to pay high deductible claims out of pocket?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Can you really save if you switch?

Allstate and Progressive endlessly run television and radio advertisements. They all seem to convey the message that drivers will save a bundle if you change your auto insurance coverage to their company. How does every auto insurance company say the same thing? This is the way they can do it.

All companies can use profiling for the type of driver that will not have excessive claims. An example of this type of driver could be over age 30, carries high limits, and has a short commute. Any person who matches that profile will most likely get cheap rates and therefore will save quite a bit of money when switching.

Consumers who may not quite match these stringent criteria will be quoted a higher premium which usually ends up with the customer not buying. The ads say “people that switch” not “all people who quote” save that much money. This is how companies can truthfully make those claims. Because every company is different, you absolutely need to compare price quotes frequently. It’s just too difficult to predict which company will provide the lowest premium rates.

Auto insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.

Liability coverage – Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird and a broken windshield. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, driving through your garage door, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Sorento.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Quote more. Save more.

We just showed you some good ideas how to save on 2020 Kia Sorento insurance. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company. Regional companies often have lower rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Budget-conscious 2020 Kia Sorento insurance can be found on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not offer the ability to get a quote online and many times these smaller providers provide coverage only through independent agencies.