Best Insurance for a Kia Sorento in Madison

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Kia Sorento insurance
Kia Sorento insurance image courtesy of QuoteInspector.com

Insurance for Kia SorentoTrying to find better insurance prices for your Kia Sorento in Wisconsin can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find car insurance online and you need to know the quickest way to get price quotes for a Kia and find the best price possible either online or from Madison insurance agents.

The method we recommend to compare car insurance company rates for Kia Sorento insurance in Madison utilizes the fact auto insurance companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details including if a SR-22 is required, how much coverage you want, how much you drive, and your occupation. That information is instantly provided to many of the top insurers and you get price estimates with very little delay.

To get price quotes for your Kia Sorento now, click here and see if a lower rate is available in Madison.

The companies shown below can provide comparison quotes in Wisconsin. To get cheap car insurance in Madison, it's highly recommended you visit as many as you can to get the best price comparison.

Why You Might Pay Lower Rates in Madison

Smart consumers have a good feel for some of the factors that play a part in calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower auto insurance prices.

Rates and vocation - Jobs like fire fighters, airline pilots, and dentists generally have higher average rates in part from intense work situations and incredibly demanding work hours. Other jobs like farmers, historians and homemakers get better rates.

Discounts for multiple policies - Lots of companies afford lower prices to people that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, consumers should still shop around to help guarantee you have the best rates.

Use credit responsibly and save - Your credit rating is a large factor in determining your rates. People that have very good credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings. If your credit score is not that good, you could potentially save money when insuring your Kia Sorento by improving your rating.

Single drivers take more risk - Walking down the aisle actually saves money on your auto insurance policy. Marriage usually means you are more financially stable it has been statistically shown that married drivers get in fewer accidents.

Filing insurance claims can cost more - Insurance companies in Wisconsin generally give lower rates to people who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Insurance costs are higher for high performance vehicles - The make and model of the car you are insuring makes a big difference in how high your rates are. Low performance passenger cars generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.

Gals pay lower rates - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn't prove that men are WORSE drivers than women. Both sexes have fender benders at a similar rate, but guys have accidents that have higher claims. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.

Bad drivers pay high rates - Good drivers get better rates as compared to careless drivers. Having just one chargeable violation can boost insurance rates by as much as twenty percent. Drivers unfortunate enough to have dangerous tickets like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Loss statistics for a Kia Sorento - Car insurance companies take into consideration insurance loss statistics for every vehicle when determining insurance costs. Models that the data determines to have higher frequency or amount of claims will have higher rates for specific coverages.

The table below outlines the compiled insurance loss statistics for Kia Sorento vehicles. For each coverage category, the claim amount for all vehicles, without regard to make or model, is set at 100. Numbers under 100 suggest losses that are better than average, while percentage numbers above 100 point to more losses or an increased likelihood of larger losses.

Kia Sorento Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Three main reasons to buy car insurance

Even though Madison Sorento insurance rates can get expensive, maintaining insurance is not optional due to several reasons.

  • Almost all states have mandatory liability insurance requirements which means the state requires a specific level of liability if you want to drive legally. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Sorento with a loan, most banks will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Kia at a more expensive rate and require you to pay a much higher amount than you were paying before.
  • Insurance protects not only your car but also your financial assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance greatly outweigh the cost, especially with large liability claims. But the average driver in Wisconsin overpays as much as $810 a year so you should quote your policy with other companies once a year at a minimum to save money.