How Much Does 2018 Kia Sorento Insurance Cost in 2024?

Looking for the cheapest insurance rates for your Kia Sorento? Are you tired of not being able to scrape enough together to insure your Kia every month? You’re in the same situation as many other consumers. With consumers having so many options when it comes to insurance, it can be challenging to find the most affordable insurance company.

It is always a good idea to check insurance prices at least once a year since insurance rates fluctuate regularly. Even if you think you had the best premium rates for Sorento coverage a few years ago you will most likely find a better price today. Ignore everything you know about insurance because you’re about to find out the quickest way to get good coverage at a lower rate.

Buying the lowest cost coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can use these techniques to find better prices and possibly find even better coverage. Vehicle owners only need to know the best way to find the lowest price online.

How to buy auto insurance

Performing a rate comparison can take hours if you don’t know the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use the internet to get prices fast.

All the larger companies participate in a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company.

To compare pricing enter your zip code here.

One minor caveat to getting quotes like this is that consumers can’t choose which companies you want to price. So if you prefer to pick specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click to enter zip code.

It’s up to you which method you use, but be certain you are entering identical coverages for each comparison quote. If you compare different values for each quote you will not be able to get a fair rate comparison.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation may require specific advice.

• Where can I find DUI or SR-22 insurance?
• Can I still get insurance after a DUI?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when using my vehicle for business?
• Can I rent a car in Mexico?
• Am I covered if I crash into my own garage door?
• Can I afford low physical damage deductibles?
• Why am I required to buy high-risk coverage?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by auto insurance companies.

Collision coverage

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

Collision can pay for things like colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, X-ray expenses, rehabilitation expenses, nursing services and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Kia Sorento.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liability limits.

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a broken windshield, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.