7 Methods to Save on Kia Sorento Insurance

Overpriced Kia Sorento insurance can drain your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill. Consumers have many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.

Cheap Auto Insurance Comparisons

Lowering your auto insurance rates is surprisingly easy. All you need to do is take the time to compare quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

Probably the best way consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quotes to each individual auto insurance company. A single, simple form will get you price quotes from multiple low-cost companies.
A slightly less efficient method to analyze rates requires a trip to each company website and fill out their own quote form. For sake of this example, let’s say you want rates from USAA, GEICO and Progressive. To get each rate you have to go to every website to input your insurance information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming method to get comparison rates is to drive around to different agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. Drivers can find lower rates online and still use a local agent and we’ll cover that in a bit.

Whichever method you choose, make darn sure you compare the exact same coverage information on every quote. If you are comparing mixed coverages you can’t possibly find the best deal for your Kia Sorento.

Won’t my local insurance agent miss me?

Certain consumers just want to buy from a licensed agent and there is nothing wrong with that. Professional agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find better rates and still choose a local agent.

To make it easy to find an agent, after completing this simple form, your coverage information gets sent to companies who will return price quotes for your coverage. You won’t need to even leave your home since price quotes are sent to the email address you provide. Now that’s easy!

Selecting an insurer requires more thought than just the premium amount. Any agent should have no problem answering these questions:

Do they receive special compensation for putting your coverage with one company over another?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Will their companies depreciate repairs to your car based on the mileage?
Do they carry Errors and Omissions coverage?
What will you get paid if your car is a total loss? How is that amount determined?
Are they able to influence company decisions when a claim is filed?

Captive and independent car insurance agents

When searching for a local agent, you must know there are a couple types of insurance agents that you can select. Insurance agencies can either be captive or independent. Both write coverage properly, but it’s important to know how they differ since it may influence the selection process.

Agency Captives

Captive agents work for only one company and examples are State Farm, AAA and Liberty Mutual. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captives receive extensive training on the products they sell which helps them compete with independent agents.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rates, you should always contact several independent insurance agents to get the best comparison. car insurance

For a full directory of insurance agencies, visit this page.

Once you have received positive responses to all your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that will insure your vehicles.

Car insurance coverage information

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Auto liability insurance

This coverage will cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, emergency aid, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, chiropractic care, X-ray expenses, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, theft and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.