Kia Sorento insurance typically costs drivers $1,414 annually with full coverage; this figure may differ based on several factors.
Factors to be considered in setting rates include model year, driver age and safety features of the vehicle, as well as insurance type and deductible amounts.
High-risk drivers
Driving records that are in poor shape are one of the primary contributors to car insurance premium increases. Violations such as speeding tickets will add points to your driving record and qualify you as high-risk driver status; how long this status remains will vary based on severity and number of violations committed; generally serious violations stay on longer than minor ones, but you can reduce Kia Sorento car insurance premiums by improving it.
Save money on Kia Sorento car insurance by lowering coverage limits and deductibles, while choosing an amount you can afford in case of an accident. To find the ideal policy for yourself, get quotes from various providers and compare their rates; additionally be aware of any discounts such as good student or loyalty discounts available to you.
If you're buying a Kia Sorento, keep in mind that its model year can have an effect on your car insurance rates. Since premiums for newer vehicles tend to be higher, considering purchasing used might be beneficial or opt for one equipped with safety features may help decrease them further.
Location can also have a dramatic impact on the cost of Kia Sorento car insurance premiums; rates can differ considerably across states and tend to be more costly in Michigan. Furthermore, your credit score has an incredible bearing on car insurance costs; any issues in this regard will only increase them further.
Reduce Kia Sorento car insurance rates through several strategies, such as decreasing coverage needs and raising deductibles, bundling policies together, or qualifying for discounts such as lane departure warning and adaptive cruise control installations in your vehicle.
Young drivers
Young drivers are often considered high risk when it comes to car insurance; however, choosing the correct coverage could actually save money. For instance, those with good driving records and strong credit scores often enjoy lower premiums; those involved in accidents or with poor records will pay more. Furthermore, young drivers are more likely to become involved in multiple incidents, leading to even higher premiums than other age groups.
Kia Sorento car insurance premiums average about $1,414 annually - less than half the national average SUV premiums. Of course, this number varies by state and insurance provider as well as level of comprehensive and collision coverage purchased; comprehensive is usually mandatory while collision is optional.
Insurance companies determine their quotes using various criteria, including crash test ratings, model year and driver age. While these factors can change your premium dramatically, the biggest influencer of all is where you live; prices for car insurance vary considerably across states and cities alike - for instance the average annual Sorento policy in Chicago costs an estimated annual premium of $1,916 while it is significantly cheaper in Iowa or Virginia.
Some states impose specific requirements regarding the type of coverage you must buy. Some require you to have at least a certain minimum level of bodily injury coverage while others have different minimum coverage amounts for property damage. Furthermore, there may also be restrictions on the number of drivers covered under a policy.
Crash test ratings of your Kia Sorento can have an impactful effect on the cost of insurance premiums. For instance, the federal government awarded four out of five stars to protect passengers during rollover and side impact crashes; making this vehicle suitable for families. Some Kia owners even reported savings up to $606 annually by dropping physical damage coverage altogether in favor of liability-only policies.
Drivers with a poor driving record
Drivers with poor driving records typically pay higher car insurance premiums due to the additional risk they pose to insurers. This is particularly true for drivers with prior traffic violations or at-fault accidents on their record; their premiums can increase significantly after each incident or violation on record.
Drivers with poor driving records may also save money by opting for vehicles equipped with advanced safety features, such as adaptive cruise control, lane departure warning and anti-lock brakes. Furthermore, those who keep up a safe vehicle and maintain good credit scores may qualify for discounts off their Kia Sorento insurance premiums.
Kia Sorento SUVs are popular vehicles, packed with safety features and reliable performance, but to find the best rates it's essential to shop around for insurance rates. By entering your ZIP code into our free tool and starting comparing quotes from top insurers you'll find yourself saving time and money when renewing. Always compare at renewal, and choose one with all necessary coverage!
To secure the best rate on Kia Sorento insurance, it's vitally important that you understand how insurance rates are determined. Key elements which determine premium costs include age, gender and driving record - teenage drivers tend to pay more than female drivers while drivers aged 45+ typically receive discounted premiums.
Model years can also have an effect on your vehicle rates; owners of older Kia Sorentos report more engine and steering issues at higher mileages compared to newer models; this issue becomes much less frequent with newer Kias, however.
Kia Sorento received an "Good" rating from the Insurance Institute for Highway Safety, meaning it performed well in rollover tests and front/side-impact crashes, making it an excellent family vehicle option with minimal accident rates and thus lower insurance premiums.
Drivers with a bad credit score
Car insurance rates increase for drivers with poor credit scores due to their increased likelihood of accidents and filing claims that will require higher premiums. Conversely, drivers with excellent credit will enjoy reduced insurance costs than their counterparts who possess poor ratings.
Comprehensive car insurance can be an effective way to lower the cost of insuring a KIA Sorento car, often required when financing or leasing it from lenders. Comprehensive policies offer protection in case of accidents and theft and often come at no extra charge compared to basic policies such as liability coverage or uninsured motorist coverage that will reimburse you in case an uninsured driver hits you instead of being reimbursed by insurance. Additionally, uninsured motorist coverage reimburses if an uninsured driver hits you unknowingly when they cannot pay up.
Average Kia Sorento insurance costs average around $1,414 annually or approximately $118 monthly, depending on its trim level and trim levels (LX and S being the least costly to insure, SX Prestige AWD/X-Line SX Prestige AWD being more costly still). You could save money by opting only for liability coverage which costs approximately $567 annually/$47 monthly.
Other elements affecting the cost of insuring your KIA Sorento include its model year and driving record. As it gets older, insurance costs increase accordingly and violations or accidents on your record can have an enormous impact on premiums.
Consider where you live as this will have an enormous effect on the cost of KIA Sorento car insurance premiums. Drivers in cities with high crime rates or traffic congestion tend to pay more, while safer areas tend to see lower premiums. Another way to cut back costs on KIA Sorento insurance coverage is reducing deductibles - however it is crucial that these can still be afforded in case a claim occurs.
Drivers without claims can save up to $274 annually on a KIA Sorento insurance rate. Other ways you may save include choosing models equipped with safety features, insuring both vehicles through one company, or taking advantage of other policy discounts.