Want to save money and find more competitive Kia Sorento insurance in Virginia Beach? Having to pay for expensive auto insurance in Virginia Beach can dwindle your budget and require stricter spending habits.
It’s a fact that auto insurance companies want to keep you from comparing rates. Drivers who compare rates once a year will most likely switch auto insurance companies because they have a good chance of finding a policy with better rates. A recent study showed that consumers who shopped around saved about $860 a year compared to other drivers who never compared prices.
If saving money on Kia Sorento insurance in Virginia Beach is your ultimate target, learning the best way to shop and compare car insurance can help you succeed in finding affordable rates.
Big-name insurance companies like Allstate, Progressive and GEICO all promote huge savings with advertising and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.
Companies offering Kia Sorento insurance in Virginia Beach
The following companies are ready to provide price quotes in Virginia. In order to find cheap auto insurance in VA, it’s a good idea that you get rate quotes from several of them to get the most competitive price.
Why You Might Pay Higher Rates in Virginia Beach
Consumers need to have an understanding of a few of the rating criteria that help determine the level of your policy premiums. When you understand what impacts premium levels, this enables informed choices that may result in better auto insurance rates.
The factors shown below are some of the items used by your company to calculate premiums.
Drivers with excellent credit save – Having a bad credit rating is a big factor in determining what you pay. Insureds that have high credit scores tend to be more responsible than drivers with lower credit scores. If your credit history is low, you could pay less to insure your Kia Sorento by repairing your credit.
Don’t let your coverage lapse – Driving without insurance coverage in place can get you a ticket and auto insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a license revocation or jail time.
Getting married can save you money – Having a wife or husband can actually save you money on your auto insurance bill. It may mean you are more mature than a single person and statistics prove married drivers tend to file fewer claims.
Vehicle risk influences costs – The make and model of the vehicle you need to insure makes a significant difference in the rate you pay. The best insurance prices are usually found on lower performance four cylinder passenger cars, but many other things help determine your insurance rates.
Additional coverages that may be costing you – Policies have additional coverages that may not really be needed when buying auto insurance. Coverage for things like replacement cost coverage, accidental death, and Farm Bureau memberships could be just wasting money. They may seem good when discussing your needs, but now you might not need them so eliminate them to save money.
Insurance loss probability for a Kia Sorento – Companies take into consideration insurance loss statistics for every vehicle to help set a rate to offset losses. Vehicles that the data determines to have higher frequency or amount of claims will have increased rates.
The table below illustrates the loss history for Kia Sorento vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is considered to be 100. Numbers that are below 100 indicate better than average losses, while values that are above 100 indicate more frequent claims or tendency to have higher losses.
|Specific Kia 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
Do you qualify for discounts on Kia Sorento insurance in Virginia Beach?
Some insurers don’t always publicize every discount available very well, so we researched a few of the more common and the more hidden savings tricks you should be using when you buy Virginia Beach auto insurance online. If you aren’t receiving every discount available, you are throwing money away.
- Early Switch Discount – Some larger companies reward drivers for switching to them before your current Sorento insurance policy expires. You may see this discount when you get Virginia Beach auto insurance quotes online.
- Professional Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your bill.
- Telematics Devices – Policyholders that allow driving data collection to look at driving manner by installing a telematics device such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
- Home Ownership Discount – Simply owning a home can help you save on car insurance because of the fact that having a home shows financial diligence.
- Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease with a few car insurance companies.
- Smart Student Discounts – Excelling in school may save you up to 25%. The good student discount can last up until you turn 25.
- Discount for Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy a life policy as well.
- Policy Bundle Discount – When you have multiple policies with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
- Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% compared to accident prone drivers.
- Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles on one policy can reduce the rates for all insured vehicles.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky.
To locate car insurance companies who offer cheap Kia Sorento insurance quotes in Virginia Beach in Virginia, follow this link.
Insurance agents can give valuable advice
Many people would rather visit with an insurance agent and that is not a bad decision One of the great benefits of comparing insurance online is the fact that drivers can get better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data gets sent to companies in Virginia Beach that give free quotes for your insurance coverage. It makes it easy because there is no need to contact an agency because prices are sent instantly to you. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to get a rate quote for a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.
Finding the right insurer needs to be determined by more than just a cheap quote. These questions are important to ask:
- Do they feel the quoted coverages are adequate?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are there any discounts for paying up front?
- Where would glass claims be handled in Virginia Beach?
- If they are an independent agency in Virginia Beach, which companies do they recommend?
Exclusive or Independent: There is a difference
If you would like to find a reliable insurance agency, you should know the different types of agencies from which to choose. Insurance agencies in Virginia Beach are classified as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Agents that choose to be exclusive work for only one company like State Farm or Allstate. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are trained well on sales techniques which helps them sell on service rather than price.
Shown below is a list of exclusive agents in Virginia Beach that can give you price quote information.
Independent Insurance Agents
Agents of this type often have affiliation with several companies so they have the ability to put coverage amongst many companies and find you the best rates. To transfer your coverage to a different company, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rate quotes, we highly recommend that you get some free quotes from at least one independent agent in order to have the best price comparison.
Listed below are independent agents in Virginia Beach that are able to give price quotes.
Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 – View Map
If you receive good responses to any questions you may have and an affordable coverage quote, you may have found a car insurance agent that meets the requirements to provide insurance coverage. Just understand that once you purchase a policy you can cancel your policy whenever you choose to so don’t think you are locked into a specific agent for the entire policy term.
Which is the best insurance?
When it comes to buying the best insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Everyone’s needs are different.
For example, these questions can help discover whether your personal situation could use an agent’s help.
- What is the minimum liability in Virginia?
- Can I make deliveries for my home business?
- Who is covered when they drive my Kia Sorento?
- Do I need special coverage while pulling a rented trailer?
- What does medical payments coverage do?
- At what point should I drop full coverage?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Cheaper insurance is a realistic goal
When searching for inexpensive Virginia Beach auto insurance quotes, make sure you don’t skimp on coverage in order to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.
Cheap Kia Sorento insurance in Virginia Beach is definitely available on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance companies may not provide online rate quotes and many times these smaller providers prefer to sell through independent insurance agencies.
Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, denial of a claim and even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
How to find low-cost rates for Kia Sorento insurance in Virginia Beach
If saving the most money is your goal, then the best way to get discount Kia Sorento insurance in Virginia Beach is to do a yearly price comparison from different companies in Virginia. Drivers can shop around by completing these steps.
Step 1: Try to understand how car insurance works and the things you can control to lower rates. Many policy risk factors that are responsible for high rates like traffic citations, accidents, and poor credit can be eliminated by being financially responsible and driving safely.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Sorento coverage is available in Virginia Beach. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current policy and submit the signed application along with the required initial payment for the new coverage. Immediately keep your new certificate of insurance in an easily accessible location in your vehicle.
A key point to remember is to try to compare identical coverage information on each price quote and and to get prices from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and many rates to choose from.
To learn more, link through to the following helpful articles:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Teachers in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for State Employees in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Driving in Bad Weather (Insurance Information Institute)