Compare 2013 Kia Sorento Car Insurance Quotes

Searching for low-cost insurance for your Kia Sorento can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to compare rates for a new or used Kia and find the lowest price from both online companies and local agents.

It’s smart to compare rates once or twice a year because insurance rates are variable and change quite frequently. Just because you found the best rates on Sorento insurance a year ago you may be paying too much now. Starting right now, ignore everything you know about insurance coverage because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

Finding the best rates is not that difficult. If you have a policy now or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Drivers just need to know how to get comparison rates online.

Parts of the Kia Sorento rate equation

It’s important that you understand the factors that come into play when calculating your insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with lower insurance prices.

  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a guaranteed way to pay more for insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Being married can save on insurance – Having a wife or husband helps lower the price on your insurance policy. It is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Your stress level may be raising your rates – Occupations like lawyers, business owners and dentists tend to pay the highest average rates in part from stressful work requirements and long work hours. Other professions such as scientists, historians and the unemployed have the lowest average rates on Sorento insurance.
  • Teen drivers pay high rates – Youthful drivers tend to be careless and easily distracted when driving so insurance rates are higher. Parents adding a teen driver to your insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at a similar rate, but the males cause more damage. They also receive more costly citations such as reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • Don’t buy coverages you don’t need – There are many additional coverages you can purchase on your insurance policy. Things like vanishing deductibles, better glass coverage and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
  • Better credit scores mean better rates – A driver’s credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could save money insuring your 2013 Kia Sorento by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than those with poor credit.
  • Bundling policies can get discounts – Many insurance companies will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to ensure the best deal.

The method we recommend to compare rate quotes is to know most insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is take a few minutes to give details including types of safety features, the year, make and model of vehicles, your education level, and if the vehicle is leased. That information is instantly provided to multiple top-rated companies and they return quotes instantly.

To get price quotes for your 2013 Kia Sorento, click here and complete the quick form.

Discounts to lower Kia Sorento insurance rates

Car insurance companies don’t always list every discount very clearly, so we researched both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit available, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Own a Home – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Sorento insurance with a few car insurance companies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

A partial list of companies that may offer some of the above discounts include:

Double check with each insurance company how you can save money. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Am I covered if I crash into my own garage door?
  • Is my camper covered by my car insurance policy?
  • What is roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Will filing a claim cost me more?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • When should I remove comp and collision on my 2013 Kia Sorento?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, hitting a deer, a broken windshield, falling objects and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, loss of income and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Sorento resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Kia Sorento.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

You can do this!

Insureds change insurance companies for many reasons like denial of a claim, delays in responding to claim requests, lack of trust in their agent and poor customer service. It doesn’t matter what your reason, switching insurance coverage companies is easier than you think.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

The cheapest 2013 Kia Sorento insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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