2018 Kia Sorento Insurance Rates
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UPDATED: Nov 26, 2019
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Average insurance rates for a 2018 Kia Sorento are $1,382 a year for full coverage. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $524, and liability coverage costs $416. Buying a liability-only policy costs as little as $474 a year, and high-risk insurance costs $2,996 or more. Teen drivers receive the highest rates at up to $5,192 a year.
Annual premium for full coverage: $1,382
Rate estimates for 2018 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 driver in their 40's, prices range range from as low as $474 for basic liability insurance to a high of $2,996 for a driver who has had serious violations or accidents.
These differences show why it is important for drivers to compare rates for a targeted area 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 2018 Kia Sorento Insurance
Buyers have options when searching for low-cost Kia Sorento insurance. You can either waste hours driving around getting price quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to find insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Kia and get the cheapest rates.
Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Drivers just need to understand the tricks to shop for insurance coverage over the internet.
The method we recommend to get policy rate comparisons is to know the trick almost all companies allow for online access to compare rate quotes. To begin a comparison, all you need to do is give the companies some data such as types of safety features, coverage limits, what your job is, and how many miles driven. Your insurance information is instantly submitted to multiple companies and they return rate quotes quickly.
To compare rates now, click here and find out if you can get cheaper insurance.
Truth in insurance advertising
Drivers can’t get away from all the ads that promise big savings by GEICO, State Farm and Progressive. They all advertise claims that you can save if you get a free insurance coverage quote and switch to them.
That’s great but how can every company claim to save you money? It’s all in the wording.
Insurance companies provide the lowest rates for a prospective insured that will add to their bottom line. A good example of a driver they prefer should be over the age of 45, has a low-risk occupation, and drives a safe vehicle. Any new insured who matches that profile will qualify for the lowest premium rates and will also save some money.
Potential customers who fall outside these stringent criteria may receive higher premiums which results in business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can advertise the way they do. Because each company has a different risk profile, you really need to compare quotes as often as possible. You cannot predict which company will fit your personal profile best.
You may qualify for discounts
Companies that sell car insurance don’t always list every disount available in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous auto insurance savings. If you do not double check each discount you deserve, you’re paying more than you need to.
- Good Student – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
- Membership in Organizations – Joining a civic or occupational organization is a simple method to lower premiums when getting a insurance coverage quote.
- Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on auto insurance since home ownership is proof that your finances are in order.
- Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will save you 10% or more.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
A few companies that may include these discounts include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Before you buy a policy, ask each insurance company to give you their best rates. Depending on the company, some discounts might not be offered in your area.
There’s no such thing as the perfect auto insurance policy
When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different.
For instance, these questions may help you determine whether you might need an agent’s assistance.
- Does insurance cover tools stolen from my truck?
- Will filing a claim cost me more?
- Am I covered if I wreck a rental car?
- What companies insure drivers after a DUI or DWI?
- Can my teen driver be rated on a liability-only vehicle?
- Is my Kia Sorento covered if I use it for business?
- I have health insurance so do I need medical payments coverage?
- Can I still get insurance after a DUI?
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If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Car insurance coverage basics
Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, rock chips in glass and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, rehabilitation expenses, nursing services, dental work and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto liability – This coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things such as emergency aid, loss of income, structural damage, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Collision coverage – This coverage will pay to fix damage to your Sorento resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Cheaper insurance is a realistic goal
When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to get the best coverage possible at an affordable rate.
People switch companies for many reasons like not issuing a premium refund, delays in paying claims, policy cancellation or being labeled a high risk driver. Whatever your reason, choosing a new insurance company is actually quite simple.
More affordable insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get a quote online and these small, regional companies only sell coverage through local independent agencies.
Additional detailed information can be read in the articles below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- What is Covered by GAP Insurance? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Auto Crash Statistics (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,187|
|Los Angeles, CA||$2,361|
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||$102|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.