Are you irritated from sacrificing to insure your Kia every month? Your situation is no different than the majority of other consumers in Texas. Big-name insurance companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with fancy advertisements and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.
It’s a good habit to check car insurance prices before your policy renews because insurance rates are usually higher with each renewal. Even if you got the best premium rates for Sorento coverage at your last renewal other companies may now be cheaper. There is a lot of bad information regarding car insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to buy car insurance cheaper.
Lower rate quotes with discounts
Companies that sell car insurance don’t necessarily list every discount they offer very clearly, so the list below gives a summary of both the well known as well as some of the hidden credits available to you.
- Multi-car Discount – Buying a policy with all your vehicles on a single policy may reduce the rate for each vehicle.
- Telematics Discount – Insureds that choose to allow driving data collection to analyze driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
- Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Sorento coverage depending on your car insurance provider.
- Membership in Organizations – Having an affiliation with a civic or occupational organization in Austin can get you a small discount on your bill.
- Own a Home and Save – Owning a house in Austin can save you money because maintaining a house requires personal responsibility.
Discounts lower rates, but some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.
Larger car insurance companies and some of the discounts are detailed below.
- Progressive discounts include good student, online signing, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
- The Hartford may have discounts that include air bag, good student, bundle, defensive driver, anti-theft, and vehicle fuel type.
- Mercury Insurance may include discounts for ease of repair, accident-free, annual mileage, multi-car, low natural disaster claims, and good student.
- GEICO may offer discounts for military active duty, emergency military deployment, membership and employees, driver training, good student, and five-year accident-free.
- AAA includes discounts for multi-car, education and occupation, multi-policy, good driver, anti-theft, and pay-in-full.
- State Farm has savings for Drive Safe & Save, good driver, safe vehicle, accident-free, Steer Clear safe driver discount, multiple policy, and passive restraint.
When comparing rates, check with every company the best way to save money. A few discounts may not apply to policies in your area.
The quickest method we recommend to compare policy rates is to know the trick car insurance companies participate in online systems to give rate comparisons. All you need to do is spend a couple of minutes providing details including coverage limits, what you do for a living, whether the vehicles are used for commuting, and daily mileage. Your information is then submitted to insurance companies and you receive quotes instantly.
If you would like to compare rates now, click here then complete the form.
Tailor your car insurance coverage to you
When buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.
- Can I afford to buy a different vehicle if my Kia Sorento is totaled?
- Which companies will insure high-risk drivers?
- Am I covered when pulling a rental trailer?
- Do I really need UM/UIM coverage?
- What discounts do I qualify for?
- Am I covered when driving a rental car?
- Am I covered by my spouse’s policy after a separation?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.
Cheaper coverage is out there
We’ve covered a lot of tips how to save on Kia Sorento insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest auto insurance rates come from a small local company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.
When getting , it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest cost while still protecting your assets.