Cheap 2003 Kia Sorento Car Insurance Rates

Have you finally had enough of being strong-armed to make your car insurance payment? You are no different than many other consumers. Companies like Progressive, Geico and Farmers Insurance increase brand awareness with ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

It’s smart to get comparison quotes as often as possible since insurance rates change quite often. Just because you had the best deal for Sorento coverage six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

Take policy discounts and save

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that you may not know about. Certain reductions will be credited when you quote, but a few must be specifically requested before being credited. If you aren’t receiving every discount available, you may be paying too high a price.

• Multiple Cars – Drivers who insure multiple cars with the same company can get a discount for every vehicle.
• Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Sorento coverage with some insurance coverage companies.
• Sign Early and Save – A few insurance companies offer discounts for switching to them before your current coverage expires. This can save 10% or more.
• Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance quote.
• Military Discounts – Being on active duty in the military may lower your prices slightly.
• Club Memberships – Having an affiliation with a qualifying organization could trigger savings when getting a insurance quote.

A quick disclaimer, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

If you would like to choose from a list of insurers that provide some of the discounts listed above, click this link.

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How to get auto insurance price quotes

Finding cheap auto insurance quotes can be quick and easy. You just have to take a couple of minutes to compare rate quotes online from several insurance companies. This can easily be done using one of these methods.

1. One of the best ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method keeps you from doing a different quote for every auto insurance company. One quote request gets you coverage quotes from multiple companies.
2. A less efficient way to compare rate quotes requires visiting each company website and request a quote. For sake of this example, we’ll assume you want to compare State Farm, Farmers and American Family. To get each rate you have to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time.

   For a list of companies in your area, click here.

3. The final method to get comparison rates is to waste gas driving to insurance agents’ offices. Comparing online rate quotes eliminates the middleman unless your situation requires the trained advice of a local agency. It is possible to find lower rates online but purchase the actual policy in an agency.

However you get your quotes, ensure you are comparing equivalent coverage limits on every quote you get. If each company quotes different deductibles it will be next to impossible to determine which rate is truly the best.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation might need professional guidance.

• Can I rent a car in Mexico?
• Is motorclub coverage worth it?
• When can my company non-renew my policy?
• Will my rates increase for filing one claim?
• Who is covered by my policy?
• Does my 2003 Kia Sorento qualify for pleasure use?
• When should I not file a claim?
• Am I covered if I hit a deer?
• Should I buy only the required minimum liability coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Collision coverages – Collision insurance will pay to fix damage to your Sorento caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, driving through your garage door, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

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 liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, medical services, repair bills for other people’s vehicles, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for funeral costs, prosthetic devices, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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Don’t break the bank

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Cheaper 2003 Kia Sorento insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not provide online price quotes and these small, regional companies work with independent insurance agencies.

To learn more, feel free to visit the following helpful articles:

• What is a Telematics Device? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)

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