2009 Kia Sorento Insurance Rates – 5 Discounts for Best Quotes

Scraping up a payment for overpriced Kia Sorento insurance can drain your bank account and put the squeeze on your family’s finances. Comparing price quotes is free and is an excellent way to lower your monthly bill.

Because there are so many insurance companies to choose from, it’s nearly impossible to choose the right insurer.

Locating cheaper auto insurance is easy if you know what you’re doing. Just about anyone who buys auto insurance will be able to lower their premiums. Although vehicle owners do need to learn how the larger insurance companies market insurance on the web.

Cut your premium with these five discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be specifically requested before they will apply.

  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when buying auto insurance for Sorento insurance.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • College Student – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sorento insurance than less cautious drivers.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

Car insurance companies that may offer these money-saving discounts are:

Double check with each company which discounts you may be entitled to. Discounts might not be offered in your state.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage if my license is suspended?
  • Am I covered if I hit a deer?
  • Do I benefit by insuring my home with the same company?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Are you falling for claims of savings?

Companies like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. All the ads make the same claim of big savings if you switch your coverage to them. How can each company say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the right customer that makes them money. A good example of a driver they prefer could possibly be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who fall outside the requirements will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can claim big savings.

Because of the profiling, you absolutely need to quote coverage with many companies. It’s impossible to know which insurance company will give you the biggest savings on Kia Sorento insurance.

Auto insurance 101

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, structural damage, legal defense fees and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Sorento from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage kick in for bills like ambulance fees, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Keep this in mind

The cheapest 2009 Kia Sorento insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional auto insurance information can be read at these links: