2017 Kia Sorento Insurance Rates

Average insurance rates for a 2017 Kia Sorento are $1,364 a year for full coverage. Comprehensive costs around $274, collision insurance costs $502, and liability insurance costs $430. Buying a liability-only policy costs as little as $486 a year, and high-risk insurance costs around $2,956. Teenage drivers receive the highest rates at up to $5,156 a year.

Annual premium for full coverage: $1,364

Rate estimates for 2017 Kia Sorento Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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

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These differences show why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Looking for the cheapest auto insurance rates for your Kia Sorento? Are you drained from robbing Peter to pay Paul to buy auto insurance? You are no different than the majority of other vehicle owners.

Companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.

It’s smart to compare premium rates at least once a year because auto insurance prices trend upward over time. If you had the lowest rates on Sorento coverage a few years ago a different company probably has better premium rates today. You can find a lot of information about auto insurance out there, but in just a couple of minutes you can learn some great ideas on how to put money back in your pocket.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Buying car insurance is easy if you know what you’re doing. But consumers do need to understand the methods companies use to price insurance differently and apply this information to your search.

The easiest way to compare car insurance company rates is to know the fact all the major auto insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is give the companies some data including how much coverage you want, your education level, what you do for a living, and how many miles driven. That rating data is submitted instantly to insurance carriers in your area and they respond with quotes instantly.

To compare rates for your Kia Sorento now, click here and enter your zip code.

Beware of misleading insurance ads

Big name companies like Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all advertise the message that drivers can save some big amount if you move your insurance coverage to their company. But how can every company have lower policy pricing? It’s all in the wording.

All the different companies provide the lowest rates for the driver that makes them money. An example of a profitable insured may be over the age of 45, has never had a policy lapse, and drives less than 7,500 miles a year. Anybody who fits those characteristics receives the best premium rates and is almost guaranteed to cut their rates substantially.

Insureds who don’t qualify for this ideal profile will get more expensive rates and the customer not buying. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” save that much when switching. That is how companies can truthfully make those statements. This illustrates why drivers should compare as many free car insurance quotes as you can. Because you cannot predict which insurance companies will have the lowest prices for your situation.

Cut your auto insurance rates with discounts

Not many people think insurance is cheap, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but a few need to be inquired about before you will receive the discount.

• Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles on a single policy can reduce the rates for all insured vehicles.
• Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
• Senior Citizens – If you’re over the age of 55, you may be able to get a small discount on rates on Sorento coverage.
• Policy Bundle Discount – If you insure your home and vehicles with the same company you may earn as much as 10 to 15 percent.
• Low Mileage – Keeping the miles down on your Kia may enable drivers to earn lower rates due to less chance of an accident.
• Own a Home and Save – Owning a house can get you a discount since owning and maintaining a home demonstrates responsibility.
• Defensive Driver – Taking time to complete a course that instructs on driving safety could save 5% or more if your company offers it.
• Online Discount – A handful of companies give back up to $50 shop car insurance on the internet.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Popular auto insurance companies and a selection of discounts are shown below.

• Travelers offers discounts including student away at school, hybrid/electric vehicle, new car, driver training, home ownership, and save driver.
• 21st Century offers discounts for early bird, homeowners, air bags, automatic seat belts, and defensive driver.
• State Farm has savings for passive restraint, accident-free, multiple autos, safe vehicle, good student, and student away at school.
• GEICO may offer discounts for membership and employees, good student, anti-theft, military active duty, and driver training.
• SAFECO policyholders can earn discounts including anti-theft, teen safety rewards, bundle discounts, homeowner, accident prevention training, and multi-car.
• AAA may have discounts that include multi-car, pay-in-full, good driver, multi-policy, AAA membership discount, education and occupation, and anti-theft.

If you need cheap car insurance quotes, ask each company how many discounts you can get. Discounts may not apply to policies in your area. If you would like to view auto insurance companies that can offer you the previously mentioned discounts, follow this link.

You are unique and your car insurance should be too

When buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs might need professional guidance.

• What happens if I owe more than my 2017 Kia Sorento is worth?
• Is rental equipment covered for theft or damage?
• Is my nanny covered when driving my vehicle?
• Does coverage extend to a rental car in a foreign country?
• Should I bundle my homeowners policy with my auto?
• Who is covered when they drive my 2017 Kia Sorento?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, damage from getting keyed and damage from flooding. The maximum payout 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 it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Kia Sorento.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, chiropractic care, doctor visits and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverages

This coverage protects you from damages or injuries you inflict on 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.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as legal defense fees, emergency aid, repair costs for stationary objects, medical services and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This covers damage to your Sorento caused by collision with an object or car. 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 colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Save your hard earned cash

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability coverage limits only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

We’ve covered a lot of techniques to compare 2017 Kia Sorento insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the lowest premium rates come from a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Helpful resources

• Choosing an Insurance Company (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Things to Know Before you Cancel Insurance (Allstate)