Do you want more competitive Kia Sorento insurance in Mesa? No sane person anticipates paying for auto insurance, especially when they know the price is too high.
It’s a fact that insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper prices will, in all likelihood, buy a different policy because the odds are good of finding good coverage at a lower price. Surprisingly, a recent survey revealed that consumers who routinely compared rates saved as much as $3,450 over four years compared to policyholders who never shopped for cheaper rates.
If finding the best rates on car insurance is your ultimate goal, then having an understanding of how to shop and compare insurance premiums can help simplify the task of finding more affordable coverage. You have so many car insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to find the lowest cost provider for Kia Sorento insurance in Mesa.
It’s smart to take a look at other company’s rates yearly because rates are rarely the same from one policy term to another. Even if you think you had the best premium rates on Kia Sorento insurance in Mesa six months ago you will most likely find a better price today. Ignore everything you know about auto insurance because you’re about to learn the fastest way to lower your rates without sacrificing coverage.
Smart Consumers Save on Insurance
Lots of factors are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are less apparent like your continuous coverage or how financially stable you are. It’s important that you understand some of the elements that come into play when calculating your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.
City dwellers may pay more – Choosing to live in less populated areas has definite advantages when shopping for auto insurance. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate. People who live in big cities tend to have congested traffic and longer commutes to work. More time on the road means more chance of being in an accident.
Rates increase with driving citations – Attentive drivers pay less for auto insurance than people who have multiple driving citations. Only having one chargeable violation can increase rates by twenty percent. Drivers who get dangerous violations such as DUI or willful reckless driving may find that they have to to prove financial responsibility with the DMV in their state in order to keep their license.
Save by driving less – The more you drive your Kia in a year the higher your rates will be. Most companies rate vehicles based upon how much you drive. Cars and trucks that have low annual miles qualify for better rates than those used for commuting. Having an incorrect usage rating on your Sorento is just wasting money. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
Don’t skimp on liability insurance – Liability insurance is the protection if you are determined to be liable for an accident. It provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
Remove unneeded extra coverages – There are quite a few extra coverages that you can buy when buying auto insurance. Things like personal injury protection, high-cost glass coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Higher rates for specific jobs – Do you work in a high-stress field? Careers like real estate brokers, airline pilots, and miners are shown to have higher average rates in part from high stress levels and lengthy work days. On the other hand, occupations like professors, historians and performers generally pay rates lower than average.
Pay more out-of-pocket – Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a stationary object, hail damage, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Kia Sorento claim statistics – Companies include the past claim trends for vehicles to help determine the price you pay. Models that the statistics show to have higher claim frequency or loss amount will be charged more to insure. The information below illustrates the historical loss data for Kia Sorento vehicles.
For each coverage type, the claim probability for all vehicles compiled together is considered to be 100. Values that are under 100 indicate a favorable loss history, while numbers that are greater than 100 point to more losses or tendency to have higher losses.
| 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Be persistent to save money
A few companies don’t offer internet price quotes and most of the time these small, regional companies sell through independent agents. Cheap Kia Sorento insurance in Mesa can be sourced online as well as from independent agents in Mesa, and you should compare price quotes from both to get a complete price analysis.
We covered some good ideas how to find affordable Kia Sorento insurance in Mesa. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest Kia Sorento rate quotes. You may even be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.
How to find cheaper rates for Kia Sorento insurance in Mesa
To save the most money, the best way to save on Kia Sorento insurance in Mesa is to compare prices at least once a year from insurance carriers in Arizona. You can compare prices by following these steps.
- Try to learn a little about how car insurance works and the measures you can control to prevent high rates. Many rating criteria that drive up the price such as getting speeding tickets and a bad credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of companies.
- Compare the quotes to the price on your current policy and determine if cheaper Sorento coverage is available in Mesa. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to know about shopping around is that you’ll want to compare similar coverage information on each quote and and to get prices from all possible companies. Doing this helps ensure the most accurate price comparison and the best price selection.
More detailed car insurance information can be found at these sites:
- Understanding your Policy (NAIC.org)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Understanding Rental Car Insurance (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)