2014 Kia Sorento Insurance Cost – 6 Ways to Save

Trying to find the cheapest insurance for a Kia Sorento can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to price shop coverage for a Kia and obtain the lowest price.

Comprehensive Auto Insurance Comparison

Comparing auto insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the web for quick rates.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote based on that information. This system prevents you from having to do quote forms for each company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to using this type of form is you are unable to specify which insurance companies you want to price. So if you want to select specific insurance companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages with each company. If you are comparing differing limits it’s not possible to make a fair comparison for your Kia Sorento.

Best discounts on 2014 Kia Sorento coverage

Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so here is a list some of the more common and the harder-to-find ways to save on insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when shopping for insurance on Sorento coverage.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Sorento coverage than drivers with accident claims.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Senior Discount – If you’re over the age of 55, you may receive better insurance rates on Sorento coverage.

Consumers should know that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • What if I don’t agree with a claim settlement offer?
  • How many claims can I have before being cancelled?
  • Why is insurance for a teen driver so high?
  • Is a blown tire covered by insurance?
  • Does my 2014 Kia Sorento qualify for pleasure use?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer 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, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2014 Kia Sorento

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, driving through your garage door, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2014 Kia Sorento.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, fire damage, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – Liability insurance can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like structural damage, court costs, medical services, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, EMT expenses, dental work, pain medications and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay