2007 Kia Sorento Insurance Rates
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UPDATED: Feb 26, 2020
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Average insurance rates for a 2007 Kia Sorento are $1,038 a year including full coverage. Comprehensive insurance costs approximately $170 each year, collision insurance costs $236, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,236 or more. Teenage drivers receive the highest rates at up to $4,164 a year.
Annual premium for full coverage: $1,038
Rate estimates for 2007 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 40-year-old driver, prices range range from as low as $522 for basic liability insurance to a high rate of $2,236 for high-risk insurance.
These differences highlight why all drivers should compare rates using their specific location and risk profile, instead of using average rates.
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 2007 Kia Sorento Insurance
Trying to find cheaper auto insurance rates for your Kia Sorento? Finding the lowest price for auto insurance is challenging if you have never used online price comparisons. But don’t let that discourage you because we’re going to show you how.
You need to do rate comparisons on a regular basis because prices change regularly. If you had the best deal for Sorento insurance a couple years back you may be paying too much now. Don’t believe everything you read about auto insurance online, so I’m going to show you some excellent ideas to find affordable auto insurance.
If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Locating the lowest cost car insurance coverage is simple if you know the tricks. Although consumers can benefit by having an understanding of how insurance companies price insurance differently and apply this information to your search.
The easiest way to compare rates is to take advantage of the fact car insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information including deductibles desired, driver details, if the car is leased, and what your job is. Those rating factors is instantly submitted to many highly-rated insurers and they return quotes instantly to find the best rate.
To get price quotes for your 2007 Kia Sorento, click here and see if a lower rate is available.
How can State Farm, GEICO and Progressive save drivers who switch?
Companies like State Farm, GEICO and Progressive regularly use ads on TV and radio. All the ads have a common claim that you can save if you move to them. How can each company make the same claim?
Different companies have a certain “appetite” for the driver that is profitable for them. A good example of a preferred risk could be over the age of 40, a clean driving record, and drives newer vehicles. A customer that hits that “sweet spot” gets the lowest rates and most likely will save when switching.
Potential insureds who fall outside this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently claim big savings. This emphasizes why drivers should get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest Kia Sorento insurance rates.
These factors can influence Kia Sorento insurance rates
It’s important that you understand the rating factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better car insurance rates.
- Higher deductibles cost less – Your deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more money the insured has to pay upfront, the less your company will charge you for insurance for Sorento insurance.
- Liability coverage is peace of mind – Liability insurance will protect you if you are found liable for damages from an accident. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
- Careful drivers pay lower rates – Drivers who don’t get tickets get better rates than people who have multiple driving citations. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who get severe violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
- Policy add-ons can waste money – There are many extra bells and whistles that can waste your money on your Sorento policy. Coverages like rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
Companies offer discounts so take them!
Companies do not advertise every discount very clearly, so here is a list both well-publicized and the harder-to-find insurance savings.
- Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more if you qualify.
- Auto/Life Discount – Larger companies have a break if you buy life insurance.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Sorento insurance with select insurance companies.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Safe Drivers – Drivers who avoid accidents may save up to 50% more for Sorento insurance than less cautious drivers.
- Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.
Insurance companies that may offer these benefits include:
Before buying, ask all companies you are considering how you can save money. Some discounts might not apply in your area.
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Do I just need basic coverages?
When choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
For instance, these questions might point out whether you might need an agent’s assistance.
- Does my policy cover me when driving someone else’s vehicle?
- What is the ISO rating for a 2007 Kia Sorento?
- Can my teen drive my company car?
- Are all vehicle passengers covered by medical payments coverage?
- Do I need higher collision deductibles?
- Is my dog or cat covered if injured in an accident?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.
Insurance coverage breakdown
Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Collision coverage – This covers damage to your Sorento caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability coverage – Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as structural damage, loss of income, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as hitting a deer, fire damage, damage from flooding and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, chiropractic care, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers 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
Be a money saver!
Cheaper 2007 Kia Sorento insurance can be bought on the web and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
We just showed you quite a bit of information on how to compare insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a small local company.
When buying insurance coverage, never buy poor coverage just to save money. In many instances, an insured cut full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.
For more information, take a look at the resources below:
- Auto Insurance FAQ (Farmers Insurance)
- Distracted Driving (Insurance Information Insitute)
- How to Avoid Common Accidents (State Farm)
- Vehicle Insurance (Wikipedia)
Rates by U.S. City
|New York City, NY||$1,638|
|Los Angeles, CA||$1,773|
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||$64|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.