View 2004 Kia Sorento Insurance Rates

Consumers have lots of choices when looking for affordable Kia Sorento insurance. They can either spend hours driving around getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to buy insurance coverage so you’re going to learn the absolute fastest way to get price quotes for a Kia and locate the lowest price from both online companies and local agents.

Informed consumers can cut insurance costs

Many factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent such as your credit history or your financial responsibility.

• Does insurance coverage cost more for males? – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but guys get into accidents with more damage. Not only are claims higher, but men get more serious tickets like reckless driving and DUI.
• Save money by having multiple policies – Many insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten percent or more. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can save even more than the discount by buying insurance from more than one company.
• Your employer can affect premiums – Occupations like military personnelair traffic controllers and medical professionals generally have higher average rates attributed to intense work requirements and lots of time spent at work. Conversely, careers like actors, historians and performers generally pay rates lower than average on Sorento coverage.
• Raise deductibles and save – The deductibles you choose define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more of the claim you’re willing to pay, the lower your rates will be on Sorento coverage.
• Safer the car lower the rate – Vehicles with high crash test scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Kia Sorento is rated at least four stars on Safercar.gov you may be receiving a better rate.
• What are good liability coverage limits? – Liability insurance provides coverage when a jury decides you are liable for an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• High credit scores save money – Having a good credit history is a large factor in determining premium rates. People with high credit scores tend to be better risks to insure than those with poor credit. So if your credit can use some improvement, you could be paying less to insure your 2004 Kia Sorento by repairing your credit.

The fastest way that we advise to get rate comparisons is to take advantage of the fact auto insurance companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is give them rating details like the ages of drivers, daily mileage, what you do for a living, and how you use your vehicles. Your insurance information is instantly provided to multiple companies and you will get price comparisons with very little delay.

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But the ad said I’d save 15% in 15 minutes!

Consumers get pounded daily by advertisements that promise big savings for switching by companies like State Farm, Allstate and Geico. They all seem to tend to make the same promise about how much you will save if you switch to their company.

That’s great but how can every company charge less that you’re paying now? Here is how they do it.

All the different companies have a certain “appetite” for the type of customer that earns them the highest profit. An example of this type of driver may be married and over the age of 30, has had continuous coverage, and has great credit. A propective insured who fits that profile will qualify for the lowest prices and have a good chance to save when they switch companies.

People who fall short of the ideal profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The wording the ads use say “customers that switch” not “all people who quote” save that much money. That is how companies can truthfully claim big savings. Because of the profiling, you really need to get insurance coverage quotes as often as possible. It is just not possible to predict with any certainty which company will have the lowest rates for your situation.

Insurance policy discounts you can’t miss

Buying insurance is not cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Some of these disounts will be visible at the time of purchase, but a few must be asked about in order for you to get them.

• Membership in Organizations – Affiliation with a professional or civic organization could earn you a nice discount on your next insurance statement.
• Homeowners Savings – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
• No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison to drivers with a long claim history.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies allow you one accident before they charge you more for coverage as long as you don’t have any claims before the accident.

As a sidenote, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky. But any discount will positively reduce your insurance premiums.

Some companies that may offer policyholders most of the discounts above are:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Check with each company how many discounts you can get. Savings might not apply in your area. If you would like to view providers that offer some of these discounts, click here.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

• Are rental cars covered under my policy?
• Can I make deliveries for my home business?
• When should I remove comp and collision on my 2004 Kia Sorento?
• Do I have coverage when using my vehicle for my home business?
• Am I covered if I hit a deer?
• Is my teen driver covered when they drive my company car?
• Should I have combined single limit or split liability limits?
• Am I covered when driving on a suspended license?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my Kia Sorento covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

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Car insurance 101

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

This coverage protects you from damage that occurs to other’s property or people. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as loss of income, structural damage and medical expenses. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as ambulance fees, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Kia Sorento.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, theft and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your Sorento from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

A fool and his money are soon parted

We covered a lot of ways to reduce 2004 Kia Sorento insurance premium rates online. It’s most important to understand that the more times you quote, the higher your chance of finding inexpensive insurance coverage. Consumers may even find the best price on auto insurance is with the smaller companies.

Insureds leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, an unsatisfactory settlement offer or not issuing a premium refund. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

More information can be found below:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)

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