Finding low cost Kia Sorento insurance probably sounds like a formidable task if you have never used online insurance quotes. Don’t be baffled because finding better rates for Kia Sorento insurance in Atlanta is easier than you think.
Sadly, a large majority of drivers kept their coverage with the same insurance company for more than four years, and nearly the majority have never shopped around. With the average insurance premium being $1,847, American drivers could save about $860 each year just by getting comparison quotes, but they just assume it takes a lot of time to do a rate comparison.
You need to check insurance prices every six months because prices go up and down regularly. Just because you found the best deal on Kia Sorento insurance in Atlanta two years ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re about to learn one of the best ways to buy cheaper Kia Sorento insurance in Atlanta.
If you have a current insurance policy, you stand a good chance to be able to save money using these methods. Finding quotes for more affordable protection in Atlanta is not as hard as you may think. Although Georgia consumers can benefit from knowing the methods companies use to set your policy premium and use this information to your advantage.
Most companies such as State Farm and Allstate allow consumers to get price estimates on the web. Getting Kia Sorento insurance prices online is pretty easy because it’s just a matter of typing in your coverage preferences as requested by the quote form. Once entered, the quote system will obtain credit information and your driving record and generates pricing information based on these and other factors.
Being able to quote online for Kia Sorento insurance in Atlanta makes it a lot easier to compare rates and it’s necessary to perform this step if you are searching for the most affordable premium on auto insurance.
To find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you will have a price comparison based on identical coverages.
The companies shown below are our best choices to provide price quotes in Atlanta, GA. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.
Car insurance is not optional
Even though it can be expensive, maintaining insurance may be mandatory for several reasons.
First, the majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Sorento has a loan, it’s guaranteed your bank will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Kia at an extremely high rate and require you to pay the higher premium.
Third, car insurance protects not only your car but also your financial assets. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance definitely exceed the cost, especially for larger claims. On average, a vehicle owner in Atlanta is wasting up to $865 each year so you should quote rates at least once a year to save money.
Why Your Insurance Prices might be higher
An important part of buying insurance is that you know some of the things that are used to determine the level of your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that will entitle you to much lower annual insurance costs. Lots of things are used in the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but others are more transparent such as your marital status or your commute time.
The following are a few of the things used by your company to calculate rates.
Coverage lapses lead to higher prices – Not maintaining insurance can get your license suspended and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, the inability to provide proof of insurance may result in a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Georgia motor vehicle department.
Responsible drivers pay lower premiums – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can increase the cost of insurance to the point where it’s not affordable. Drivers who have received careless tickets like hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with their state DMV in order to drive a vehicle legally.
Higher deductibles lower prices – Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Kia. Examples of covered claims are a windshield shattered by a rock, hitting a deer, and damage from a fallen tree branch. Your deductibles define how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the better rate you will receive.
Is you occupation costing you more? – Careers such as judges, air traffic controllers, and dentists are shown to have higher rates than the rest of us in part from job stress and lots of time spent at work. Other jobs like actors, historians and the unemployed receive lower rates.
Guys pay higher rates – Statistics demonstrate that females take fewer risks when driving. However, this does not mean females are better at driving than males. Both sexes cause accidents at a similar rate, but men tend to have more serious accidents. Not only that, but men also have more aggressive citations like DUI and reckless driving. Male teenagers are several times more likely to be in an accident so they pay the highest premiums.
Kia Sorento insurance claim data – Companies factor in historical loss data to calculate a price that offsets possible losses. Models that are shown to have higher losses will have higher rates. The table shown below demonstrates the compiled insurance loss statistics for Kia Sorento vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers under 100 suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
Kia Sorento Insurance Loss Statistics
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Sorento 4dr 2WD | 80 | 86 | 82 | 110 | 111 | 94 |
| Kia Sorento 4dr 4WD | 85 | 87 | 101 | 97 | 98 | 85 |
Statistics from IIHS.org for 2013-2015 Model Years
Save a ton on Kia Sorento insurance in Atlanta with these auto insurance discounts
Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that you may not even know about. Certain reductions will be credited at the time of quoting, but some need to be inquired about prior to getting the savings.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
- Save with a New Car – Buying insurance coverage on a new vehicle can save you some money due to better safety requirements for new vehicles.
- Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
- Discount for Swiching Early – Select auto insurance companies give a discount for buying a policy prior to the expiration date on your current Sorento insurance policy. This can save 10% or more.
- No Claim Discounts – Insureds with no claims or accidents get the best auto insurance rates when compared to drivers who are more careless.
- Data Collection Discounts – Insureds who allow their insurance company to monitor driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Student in College – Older children living away from Atlanta attending college and do not have access to a covered vehicle could qualify for this discount.
- Accident Forgiveness Coverage – Not a discount per se, but companies like Allstate and GEICO allow you one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
We need to note that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.
To see auto insurance companies that offer multiple discounts in Georgia, follow this link.
When to contact an insurance agency
A lot of people just prefer to get advice from a local agent and doing so can bring peace of mind One of the benefits of getting online price quotes is the fact that you can find better rates and still have an agent to talk to.
After completing this simple form, your insurance data is immediately sent to participating agents in Atlanta who want to provide quotes for your insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent instantly to you. You can get cheaper auto insurance rates and an insurance agent to talk to. If you wish to get a rate quote from a specific auto insurance provider, don’t hesitate to find their quoting web page and submit a quote form there.
Choosing the best company requires you to look at more than just a cheap price. A good agent in Atlanta will have answers to these questions.
- Has the agent ever had any license suspensions?
- Will they take your side in the event of a claim?
- In the event of vehicle damage, can you pick the collision repair facility?
- Which insurance companies are they affiliated with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Final considerations
The cheapest Kia Sorento insurance in Atlanta is attainable online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and many times these regional carriers only sell coverage through independent agents.
Drivers change insurance companies for any number of reasons including an unsatisfactory settlement offer, high prices, denial of a claim and questionable increases in premium. No matter why you want to switch, finding a great new company can be easier than you think.
We just presented some good ideas how to compare Kia Sorento insurance premium rates in Atlanta. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper Atlanta auto insurance quotes. Drivers may even discover the best price on insurance is with a lesser-known regional company.
Even more information is located at these sites:
- Tools for Teen Driving Safety (State Farm)
- Who Has Affordable Atlanta Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)