Cheap 2019 Kia Sorento Insurance Cost in 2024

Trying to find cheaper insurance rates? Buyers have options when searching for affordable Kia Sorento insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to quote coverages on a Kia and get the lowest possible price.

Informed consumers can lower insurance rates

Many different elements are part of the equation when quoting car insurance. Some are pretty understandable like your driving record, although others are more obscure like where you live or your financial responsibility. It’s important that you understand the rating factors that go into determining the rates you pay for insurance. If you understand what determines premiums, this allows you to make educated decisions that can earn you big savings.

The list below includes some of the factors insurance companies consider when setting your premiums.

• Your car’s features help determine insurance rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
• Premiums are high for teenagers – Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets. Teen drivers are proven to be more careless when driving therefore insurance rates are much higher.
• Do females or males drive better? – The statistics show women are more cautious behind the wheel. This data doesn’t prove that women are better drivers. Women and men cause at-fault accidents at a similar rate, but guys tend to have higher claims. Men also tend to get more serious tickets like reckless driving and DUI. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.
• How much liability coverage do you need? – Liability insurance will protect you when you are responsible for an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Discounts for affordable insurance coverage rates

Insurance can be prohibitively expensive, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied when you complete an application, but a few need to be manually applied prior to getting the savings.

• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Senior Citizen Rates – If you’re over the age of 55, you could receive a small discount on rates on Sorento coverage.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Sorento coverage than less cautious drivers.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and will save you 10% or more.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Sorento coverage but check with your company.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are outlined below.

• State Farm discounts include driver’s education, defensive driving training, Drive Safe & Save, safe vehicle, accident-free, good driver, and anti-theft.
• Nationwide includes discounts for family plan, easy pay, Farm Bureau membership, defensive driving, anti-theft, and multi-policy.
• GEICO may offer discounts for good student, defensive driver, daytime running lights, five-year accident-free, driver training, and air bags.
• AAA has discounts for multi-policy, pay-in-full, good driver, multi-car, and education and occupation.
• 21st Century offers premium reductions for driver training, anti-lock brakes, air bags, teen driver, good student, theft prevention, and defensive driver.
• The Hartford offers discounts including driver training, vehicle fuel type, defensive driver, bundle, anti-theft, and good student.

If you need the cheapest insurance quotes, ask each insurance company which discounts they offer. Discounts might not be available to policyholders in your area. If you would like to view insurance coverage companies who offer cheap insurance coverage quotes, enter your zip code here.

Can you really save $445 a year?

Consumers get pounded daily by advertisements that claim the lowest prices from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim that you’ll save big if you get a free insurance quote and switch your policy.

How do they all charge you less for auto insurance?

Insurance companies look for specific characteristics for the right customer that is profitable for them. For instance, this type of driver might have to be over the age of 45, has had continuous coverage, and does not commute to work. A customer that fits those parameters will get very good auto insurance rates and will probably save when they switch companies.

Insureds who may not quite match these standards will be charged more expensive rates and this can result in the prospect going elsewhere. The ads say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully advertise the savings. Because each company has a different risk profile, drivers should get insurance quotes as often as possible. It’s just not possible to know which car insurance company will fit your personal profile best.

You may need specialized auto insurance coverage

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you might need professional guidance.

• Am I covered if hit by an uninsured driver?
• Can I drive in Mexico and have coverage?
• What exactly is covered by my policy?
• Can I get a multi-policy discount?
• If I drive on a suspended license am I covered?
• Is my 2019 Kia Sorento covered for smoke damage?
• When should I drop full coverage on my 2019 Kia Sorento?
• Is my Kia Sorento covered if I use it for business?
• Does my 2019 Kia Sorento need full coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, prosthetic devices, dental work and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, falling objects, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sorento.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance – This protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as legal defense fees, medical services and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your Sorento resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

At the end of the day…

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. Too many times, an insured cut collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

In this article, we presented many ways to compare 2019 Kia Sorento insurance auto insurance rates online. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company.

The cheapest 2019 Kia Sorento insurance is possible on the web and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not offer the ability to get a quote online and usually these smaller providers provide coverage only through independent agents.