2006 Kia Sorento Insurance Rates
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UPDATED: Feb 26, 2020
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Average insurance rates for a 2006 Kia Sorento are $1,006 a year for full coverage. Comprehensive costs an estimated $160 each year, collision insurance costs $214, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,164. Teen drivers receive the highest rates at up to $4,064 a year.
Annual premium for full coverage: $1,006
Rate estimates for 2006 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 Kia Sorento models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range range from as low as $522 for basic liability insurance to a high rate of $2,164 for a high risk driver.
These differences show why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2006 Kia Sorento Insurance
Want better insurance rates for your Kia Sorento? Scraping up a payment for overpriced Kia Sorento insurance can overdraw your checking account and make it hard to pay other bills. Doing a price comparison is a smart way to slash your bill and have more diposable income. Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive best rate
Discounts on 2006 Kia Sorento insurance
Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we break down some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you are paying more than you should be.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
- Senior Citizens – Mature drivers can possibly qualify for reduced rates for Sorento insurance.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- E-sign – Certain companies may give you up to $50 for buying your policy online.
- Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.
Insurance companies that possibly offer some of the above discounts are:
Double check with each company which discounts you may be entitled to. Savings may not be available in every state.
How to Compare Car Insurance Rates
Finding lower car insurance rates is not a difficult process. You just need to take the time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.
The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do repetitive form submissions to each individual car insurance company. One form submission gets you price quotes from several companies.
A less efficient way to get comparison quotes requires visiting each company’s website to request a price quote. For sake of this example, let’s assume you want rates from State Farm, Safeco and Allstate. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least efficient way of comparing rate quotes is driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice of a local agent. You can, however, find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just ensure you’re using identical deductibles and coverage limits for each price quote. If you use different deductibles you can’t possibly make a fair comparison for your Kia Sorento.
Tailor your coverage to you
When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.
- Do I need added coverage for expensive stereo equipment?
- Does coverage extend to Mexico or Canada?
- Do I need special endorsements for business use of my vehicle?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need medical payments coverage since I have good health insurance?
- Does my policy cover my teen driver if they drive my company car?
- Can I get a multi-policy discount?
- Do all my vehicles need collision coverage?
- How do I buy GAP insurance?
If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
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Auto insurance coverages explained
Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.
Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Sorento.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Collision coverages – Collision insurance pays for damage to your Sorento resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as hitting a mailbox, backing into a parked car, rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like vandalism, rock chips in glass, hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability car insurance – This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.
Liability insurance covers claims such as medical services, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
One last thing
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many instances, an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
We’ve covered many tips how you can get a better price on 2006 Kia Sorento insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the best prices are with the least-expected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
More detailed auto insurance information can be found by following these links:
- Information for Teen Drivers (GEICO)
- Credit and Insurance Scores (Insurance Information Insitute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Things to Know Before you Cancel Insurance (Allstate)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Top Signs Your Brakes are Giving Out (State Farm)
Rates by U.S. City
|New York City, NY||$1,590|
|Los Angeles, CA||$1,719|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$61|
|5-yr Claim Free||$63|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.