2023 Kia Sorento Car 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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Trying to find cheaper car insurance rates? Buyers have options when searching for the lowest priced Kia Sorento insurance. You can either spend your time calling around getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to quote coverages for a Kia and get the lowest possible price either online or from local insurance agents.

How to compare free insurance coverage quotes

There are a lot of ways to shop for insurance coverage, but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many insurance companies take part in a program that enables customers to only type in their quote data once, and at least one company then gives them pricing. This prevents consumers from doing repetitive form submissions to each company.

To get comparison pricing now enter your zip code here.

The only downside to getting quotes like this is you are unable to specify the providers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

It doesn’t matter which method you choose, just do your best to enter nearly identical quote information on every quote you get. If you are comparing different limits and deductibles on each one it will be impossible to get a fair rate comparison.

Components of your Kia Sorento insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help calculate your premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that can earn you cheaper rates. Many things are taken into consideration when pricing auto insurance. Some are obvious like your driving record, but other factors are not as apparent like your vehicle usage or your commute time.

  • Rental and towing coverage may not be needed – Insurance policies have a lot of extra add-on coverages that can add up if you don’t pay attention. Coverage for things like coverage for rental cars, high-cost glass coverage, and additional equipment coverage may be costing you every month. They may seem good initially, but your needs may have changed so get rid of them and save.
  • Premiums impacted by your city – Choosing to live in less populated areas is a positive aspect when it comes to insurance. Residents of big cities have to deal with much more traffic and more time behind the wheel. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims.
  • Lower prices with GPS tracking and theft deterrents – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
  • Continuous coverage lowers insurance rates – Driving your car without having proper coverage is not a good idea and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.

Drivers can save with with these discounts

Not too many consumers would say insurance is affordable, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings. If they aren’t giving you every credit possible, you are not getting the best rate possible.

  • Driver Safety – Taking a safe driver class could save 5% or more depending on where you live.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote insurance for Sorento insurance depending on your insurance provider.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Multiple Cars – Having multiple cars on one policy can get a discount for every vehicle.
  • Senior Citizen Rates – If you’re over the age of 55, you may qualify for a slight reduction on a insurance quote for Sorento insurance.
  • Distant Student Discount – Older children who live away from home at college without a vehicle on campus could get you a discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags may get savings of 20% or more.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and some of the discounts can be read below.

  • GEICO policyholders can earn discounts including anti-theft, five-year accident-free, anti-lock brakes, multi-policy, and good student.
  • SAFECO has discounts for teen safe driver, drive less, anti-lock brakes, multi-car, and homeowner.
  • State Farm may include discounts for passive restraint, defensive driving training, good student, accident-free, and safe vehicle.
  • MetLife offers discounts for claim-free, accident-free, good student, good driver, multi-policy, and defensive driver.
  • 21st Century discounts include air bags, defensive driver, driver training, early bird, and anti-lock brakes.
  • Progressive includes discounts for online signing, online quote discount, multi-policy, good student, homeowner, continuous coverage, and multi-vehicle.

It’s a good idea to ask each company or agent to apply every possible discount. Discounts may not apply to policyholders everywhere. For a list of providers who offer discounts, enter your zip code here.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation may require specific advice.

  • Do I need replacement cost coverage on my 2023 Kia Sorento?
  • Do I really need UM/UIM coverage?
  • Will my rates increase for filing one claim?
  • If I drive on a suspended license am I covered?
  • When should my teen driver be added to my policy?
  • Why am I required to buy liability insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my babysitter covered when using my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability – This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, loss of income, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Kia Sorento.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.

Collision – Collision coverage pays for damage to your Sorento caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, chiropractic care and pain medications. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make an honest buck

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

More affordable insurance can be found on the web and from local agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who do not offer rates over the internet and usually these regional carriers work with independent agencies.

We just presented some good ideas how you can lower your 2023 Kia Sorento insurance rates. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with some of the smallest insurance companies.

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