Lower your Kia Sorento Rates in Less than Five Minutes
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding affordable insurance for your Kia Sorento is probably the same story.
Step One: Compare Rates from Multiple Companies
In years past, the only way to purchase car insurance was to visit the office of a local agent. Thanks to the internet, insurance shopping is a whole lot easier!
You can now shop all the best car insurance companies and compare rates for a Kia Sorento and you don't even have to visit each individual website!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Sorento is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Techniques to Lower your Sorento Insurance Rates
What you actually pay to insure your Kia is determined by many factors, some of which you have no control over.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Finalize your Car Insurance Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If you already have a car insurance policy, then your Kia Sorento will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Sorento. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
The Insurance Information Institute is the industry authority for consumer car insurance information.