Lower Your 2022 Kia Sorento Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Shoppers have a choice when shopping for affordable Kia Sorento insurance. They can either waste time driving around to get rate comparisons or use the internet to compare rates.

There are more efficient ways to buy car insurance and we’ll show you the absolute fastest way to quote coverages on a Kia and find the best price possible from both online companies and local agents.

If you have insurance now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. The purpose of this article is to familiarize you with how car insurance quotes work. Drivers only need an understanding of how to compare rates on the web.

Ways to get car insurance quotes

Getting a cheap price on 2022 Kia Sorento insurance is pretty simple and can save money. You just need to spend a little time comparing rates to see which company has the cheapest car insurance quotes. Insurance prices can be quoted using one of these methods.

  1. Without a doubt, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison. This form saves time by eliminating repetitive form submissions for each company. Just one form will return price quotes instantly. It’s definitely the quickest method.
  2. A less efficient way to obtain and compare quotes online is to take the time to go to the website of each company and fill out their own quote form. For sake of this example, let’s say you want to view quotes from State Farm, Farmers and Progressive. To do that, you would have to spend time going to each site individually to enter your coverage information, which can get old fast.
  3. The most difficult method of getting rate comparisons is going to local insurance agencies. Comparing rates online makes this process obsolete unless you prefer the professional assistance of a licensed agent. If you prefer, some companies allow you to get the lowest quotes online but buy the policy through an agent.

Whichever way you choose to compare rates, do your best to use equivalent quote information for every quote you compare. If the quotes have higher or lower deductibles you will not be able to determine the lowest rate for your Kia Sorento.

Discounts for cheaper auto insurance rates

Insuring your vehicles can cost a lot, but you may be missing some discounts that can drop the cost substantially. Many discounts should be triggered when you complete an application, but a few must be requested specifically in order for you to get them.

  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared to insureds who have frequent claims or accidents.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.
  • Multiple Cars – Drivers who insure multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Multi-policy Discount – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Homeowners Pay Less – Simply owning a home can help you save on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Telematics Data – Insureds that choose to allow driving data submission to look at vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.

Policy discounts save money, but some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer some of the above discounts include:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

Check with every insurance company which discounts can lower your rates. Some discounts may not apply to policyholders in every state. To view insurance companies who offer online auto insurance quotes, enter your zip code here.

Tailor your auto insurance coverage to you

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

For example, these questions can help discover whether you may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need more liability coverage?
  • Do I need replacement cost coverage?
  • Is there coverage for injuries to my pets?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and may give you better protection.

Four tips to get more affordable insurance rates

Many different elements are taken into consideration when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but others are more obscure such as your credit history or your vehicle rating.

The list below includes some of the most common factors used by your company to calculate prices.

  • More traffic equals higher prices – Being located in areas with lower population has it’s advantages when talking about insurance. Urban drivers have more auto accidents and a longer drive to work. Fewer people translates into fewer accident claims in addition to lower liability claims
  • Save money with good credit – Your credit rating factor in determining what you pay for insurance. So if your credit history can be improved, you may save money insuring your 2022 Kia Sorento by improving your credit score. Consumers who have very high credit ratings tend to be more responsible than those with worse credit.
  • Liability coverage is important – Liability coverage will afford coverage when a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • When should you file a insurance claims? – Car insurance companies generally give the lowest premiums to people who do not file claims often. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for claims that pose a financial burden.

Don’t believe everything you hear

Consumers get pounded daily by advertisements that promise big savings for switching by companies like GEICO, State Farm and Progressive. All the companies seem to make the promise that drivers can save some big amount if you get a free car insurance quote and switch your car insurance coverage to their company.

Is it even possible that every company can make the same claim? This is the trick they use.

All the different companies have an ideal profile for the type of driver that earns them the most money. A good example of a preferred risk might have to be married and over the age of 30, has no tickets, and has excellent credit. Any customer who fits that profile will get a cheap rate quote and will probably save a lot of money.

People who are not a match for these criteria must pay more expensive rates and this can result in the customer buying from a different company. The wording the ads use say “customers who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make the claims of big savings.

Different companies use different criteria so drivers should compare as many free car insurance quotes as you can. It is just not possible to predict with any certainty which company will have the lowest rates.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, nursing services, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sorento.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Collision protection

Collision coverage pays for damage to your Sorento caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

What is YOUR best insurance company?

We just covered quite a bit of information on how to get a better price on 2022 Kia Sorento insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

Budget-conscious 2022 Kia Sorento insurance can be sourced online and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not offer rates over the internet and these regional insurance providers prefer to sell through independent insurance agencies.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your focus should be to buy the best coverage you can find at the lowest possible cost.

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