2009 Kia Sorento Insurance Rates
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UPDATED: Feb 26, 2020
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Average insurance rates for a 2009 Kia Sorento are $1,102 a year for full coverage. Comprehensive costs approximately $186 each year, collision costs $284, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,382. Teen drivers receive the highest rates at $4,378 a year or more.
Annual premium for full coverage: $1,102
Rate estimates for 2009 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $522 for just liability insurance to a high rate of $2,382 for high-risk insurance.
These differences show why all drivers should compare prices using their specific location and risk profile, rather than using 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 2009 Kia Sorento Insurance
Searching for cheaper car insurance rates? Consumers have options when looking for the best price on Kia Sorento insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to quote coverages for a new or used Kia and get the cheapest rates.
It’s smart to price shop coverage at least once a year because prices tend to go up over time. Even if you think you had the best deal on Sorento insurance on your last policy the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get a lot of great tips on how to quit paying high car insurance rates.
Finding the best rates is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers just need to know how to shop their coverage around online.
Verify you’re getting all your discounts
Companies that sell car insurance do not list every discount in a way that’s easy to find, so we break down both well-publicized and the more hidden insurance savings. If you aren’t receiving every discount possible, you are throwing money away.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% on Sorento insurance with select insurance companies.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Own a Home – Owning a house can save you money because maintaining a house demonstrates responsibility.
- No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
- 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%.
- Multiple Cars – Buying insurance for all your vehicles on the same insurance policy qualifies for this discount.
It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.
To see a list of insurance companies with discount insurance rates, follow this link.
When should I talk to an agent?
When buying coverage, there really is no best way to insure your cars. Everyone’s needs are different.
For instance, these questions might help in determining whether you might need professional guidance.
- Do I benefit by insuring my home with the same company?
- Should I waive the damage coverage when renting a car?
- Do I have coverage if my license is suspended?
- Do I need to file an SR-22 for a DUI in my state?
- Do I have coverage when making deliveries for my home business?
- Why am I be forced to buy a membership to get insurance from some companies?
- How can I get high-risk coverage after a DUI?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
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Don’t be fooled by advertising claims
Consumers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. They all have a common claim that you can save if you change to them.
How can each company make the same claim?
All companies have a preferred profile for the right customer that makes them money. For instance, a preferred risk might be a mature driver, has no driving citations, and has a short commute. Any driver who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.
Potential insureds who fall outside the requirements must pay more money which leads to business not being written. The ads state “customers that switch” not “everybody who quotes” save money. That’s why companies can make those claims. This illustrates why it is so important to get quotes from several different companies. You cannot predict which company will give you the biggest savings on Kia Sorento insurance.
Information about specific coverages
Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Collision coverages – This pays for damage to your Sorento caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Liability car insurance – This can cover damage that occurs to other people or property. This coverage protects you from legal claims by others, 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. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like funeral expenses, loss of income, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hail damage, hitting a deer, a broken windshield, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, nursing services, ambulance fees, dental work and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible
A penny saved is a penny earned
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.
We’ve covered many ways to shop for 2009 Kia Sorento insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with the smaller companies.
Discount insurance is possible both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.
- Comprehensive Coverage (Liberty Mutual)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Distracted Driving Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,740|
|Los Angeles, CA||$1,887|
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||$71|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$43|
Discounts are estimated and may not be available from every company or in every state.