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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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Looking for cheaper insurance rates for your Kia Sorento? I doubt anyone looks forward to paying premiums for insurance, particularly when they are paying too much.

Lots of auto insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the definite best rate

It’s a good habit to check insurance prices periodically because insurance rates are variable and change quite frequently. Even if you think you had the lowest rate for Sorento insurance six months ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners must understand how big insurance companies sell insurance online.

Get more affordable insurance premiums by understanding these factors

Many things are considered when you quote your car insurance policy. Most are fairly basic such as your driving history, but some are not as apparent such as your credit history or how safe your car is.

  • Marriage can save you money – Being married helps lower the price compared to being single. Marriage demonstrates that you tend to be more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Uninterrupted coverage saves money – Allowing your coverage to lapse will be a quick way to bump up your auto insurance costs. In addition to paying higher premiums, failure to provide proof of insurance could result in a fine, jail time, or a revoked license. You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Premiums are affected by your address – Choosing to live in a small town has definite advantages when shopping for auto insurance. Residents of big cities have more auto accidents and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate.
  • Liability protection is important – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are found liable for an accident. Liability insurance provides you with a defense in court starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
  • Occupation and insurance premiums – Did you know your occupation can influence how much you pay for auto insurance? Occupational choices like fire fighters, police officers and stock brokers tend to have higher average rates because of high stress and incredibly demanding work hours. Other professions such as professors, students and the unemployed have lower than average premiums for Sorento insurance.
  • Companies want multiple policies – Most insurers apply a discount for people who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to help guarantee you have the best rates. There is a good possibility that you can find better rates by splitting coverages up.
  • Can a thief steal your car? – Driving a car with a theft deterrent system can help lower your rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Accidents increase premiums – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Having just one speeding ticket can boost insurance rates twenty percent or more. Drivers unfortunate enough to have dangerous tickets like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state DMV in order to keep their license.

Get affordable insurance coverage quotes with discounts

Some insurance providers don’t list all their discounts in a way that’s easy to find, so the list below details some of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Accident Free – Drivers who stay claim-free get the best insurance coverage rates as opposed to drivers who are more careless.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance coverage.
  • Early Renewal Discounts – A few companies allow discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may receive a small discount on rates for Sorento insurance.
  • Waiver for an Accident – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
  • Discount for Passive Restraints – Vehicles equipped with air bags could see savings of more than 20%.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
  • Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of companies and a partial list of their discounts are detailed below.

  • Progressive has savings for continuous coverage, good student, online quote discount, homeowner, online signing, and multi-policy.
  • AAA includes discounts for multi-car, good student, pay-in-full, education and occupation, good driver, AAA membership discount, and anti-theft.
  • Farmers Insurance may include discounts for early shopping, business and professional, youthful driver, good student, multi-car, pay in full, and alternative fuel.
  • GEICO offers discounts for federal employee, good student, anti-lock brakes, five-year accident-free, military active duty, air bags, and multi-vehicle.
  • Esurance discounts include anti-lock brakes, Pac-12 alumni, homeowner, online shopper, good driver, and emergency road assistance.
  • SAFECO may have discounts that include drive less, anti-theft, bundle discounts, safe driver, multi-car, homeowner, and accident prevention training.
  • State Farm policyholders can earn discounts including Drive Safe & Save, student away at school, safe vehicle, accident-free, Steer Clear safe driver discount, and passive restraint.

Before buying, ask each company or agent which discounts they offer. A few discounts may not be available in your area.

Insurance coverage savings promises

Insurance coverage providers like 21st Century, Allstate and State Farm seem to constantly run ads on television and other media. All the ads tend to make the same promise that drivers will save a bundle after switching your coverage to them. How does each company lower your premium rates? It’s all in how they say it.

Companies quote their cheapest rates for the type of driver they prefer to insure. For instance, a preferred risk should be over age 30, has had continuous coverage, and drives less than 10,000 miles a year. Anyone who meets those qualifications gets the lowest prices and will cut their rates if they switch.

People who don’t meet the requirements will see higher prices and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can confidently make those statements. This really emphasizes why drivers must quote coverage with many companies. Because without a comparison, you cannot know which insurance coverage company will be your best fit.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • What is the minimum liability in my state?
  • Is my state a no-fault state?
  • What is PIP insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to buy a different vehicle if my 2024 Kia Sorento is totaled?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete your zip code.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird, hail damage and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2024 Kia Sorento.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, nursing services, doctor visits, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage, pain and suffering and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision insurance will pay to fix damage to your Sorento from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, scraping a guard rail, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

A tidy conclusion

Lower-priced 2024 Kia Sorento insurance can be bought on the web and with local insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some car insurance companies do not provide price quotes online and these smaller providers only sell coverage through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your goal is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

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