Cheapest Quotes for Kia Sorento Insurance in Lubbock

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

Insurance rates Kia Sorento in LubbockAre you kicking yourself for buying overpriced Kia Sorento insurance in Lubbock? Don't sweat it because many Lubbock drivers feel the same as you.

Unbelievable but true, a large majority of car insurance policyholders in Texas have remained with the same car insurance company for more than four years, and about 40% of consumers have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could save roughly 46.5% every year just by getting comparison quotes, but they just don't want to shop their coverage around.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest rate on Kia Sorento insurance in Lubbock.

You need to quote other rates before your policy renews because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price on Kia Sorento insurance in Lubbock a couple years back there may be better deals available now. You can find a lot of wrong information about Sorento insurance out there, but we're going to give you some excellent ideas to find cheap car insurance in Lubbock.

If you already have coverage, you will be able to lower your rates using this strategy. Locating the most cost-effective insurance policy in Lubbock is really quite easy. Although Texas vehicle owners need to have an understanding of how big insurance companies determine how much to charge and apply this information to your search.

Keep in mind that comparing all the rates in your area increases your odds of finding more affordable rates.

The companies in the list below are ready to provide quotes in Lubbock, TX. To locate the best auto insurance in Lubbock, TX, we suggest you click on several of them in order to find the most competitive rates.

Why do I need car insurance?

Despite the high insurance cost for a Kia Sorento in Lubbock, paying for insurance is mandatory in Texas but it also protects more than you think.

  • The majority of states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Sorento, it's guaranteed your bank will require that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender will be forced to insure your Kia for a lot more money and force you to reimburse them the higher premium.
  • Insurance preserves your vehicle and your assets. Insurance will pay for medical transport and hospital expenses that are the result of an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your Kia as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. As of last year, the average driver in Texas is overpaying more than $850 per year so compare rate quotes every year to make sure the price is not too high.

Get More Affordable Insurance Costs by Understanding These Factors

Smart consumers have a good feel for some of the factors that are used to determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower rates. Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are more obscure such as whether you are married or how safe your car is.

Drivers with excellent credit save - Having a bad credit score is a large factor in determining premium rates. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower ratings. If your credit score could use some work, you could be paying less to insure your Kia Sorento by spending a little time repairing your credit.

Pleasure use saves money - Driving a lot of miles every year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use cost less to insure than cars that get driven a lot. An improperly rated Sorento may be costing you higher rates. It's a smart idea to ensure your insurance declarations sheet reflects the correct usage for each vehicle.

High policy claims frequency drives up insurance rates - Car insurance companies in Texas provide discounts to drivers who are claim-free. If you tend to file frequent claims, you can expect higher rates. Your car insurance is meant to be used in the event of claims that pose a financial burden.

Higher prices for specific jobs - Did you know your career choice can influence rates? Jobs such as judges, social workers, and emergency personnel are shown to have the highest rates due to high stress and incredibly demanding work hours. On the flip side, jobs like farmers, athletes and homemakers have the lowest average rates.

Liability safeguards assets - Your insurance policy's liability coverage will provide protection if you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Consolidate policies to earn discounts - Most companies give a discount for people that purchase more than one policy. It's known as a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, you may still want to compare other company rates to verify if the discount is saving money.

Pay more for higher performance vehicles - The performance level of the car you own makes a substantial difference in your premium level. The most favorable rates are usually for lower cost passenger models, but there are many factors that impact the final cost.

Insurance loss statistics a Kia Sorento - Companies include the past claim trends for vehicles to help calculate a profitable premium rate. Models that the data determines to have a trend towards higher claim severity or frequency will be charged more to insure.

The table below illustrates the collected loss data for Kia Sorento vehicles. For each coverage category, the loss probability for all vehicles as a whole equals 100. Values below 100 are indicative of better than average losses, while values that are above 100 indicate frequent claims or tendency to have higher losses.

Auto Insurance Loss Data for Kia Sorento Models
Vehicle 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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Ratings for Lubbock auto insurance companies

Finding the top company can be rather challenging considering how many different companies insure vehicles in Lubbock. The ranking information displayed below can help you analyze which auto insurers to look at purchasing coverage from.

Best Auto Insurance Companies in Lubbock
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

More quotes mean more auto insurance savings

When getting Lubbock car insurance quotes online, do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Throughout this article, we presented a lot of information how to save on Kia Sorento insurance in Lubbock. The key thing to remember is the more you quote Lubbock car insurance, the better chance you'll have of finding cheaper Lubbock car insurance quotes. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

A few companies may not provide internet price quotes and most of the time these smaller companies prefer to sell through independent insurance agents. Cheap Kia Sorento insurance in Lubbock is attainable on the web in addition to many Lubbock insurance agents, and you should be comparing both to have the best chance of lowering rates.

How to find affordable quotes for Kia Sorento insurance in Lubbock

The preferred way to find cheaper quotes for Kia Sorento insurance is to do a yearly price comparison from providers that sell auto insurance in Lubbock. This can be done by completing these steps.

First, get an understanding of how companies set rates and the modifications you can make to lower rates. Many policy risk factors that result in higher rates such as speeding and a low credit rating can be eliminated by making minor changes to your lifestyle.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing rates and see if you can save money. If you can save some money and switch companies, make sure there is no coverage gap between policies.

Fourth, notify your current company of your intent to cancel your current auto insurance policy and submit the completed application along with a down payment to the newly selected company. Don't forget to safely store the proof of insurance paperwork in a readily accessible location in your vehicle.

The critical component of shopping around is that you'll want to compare similar limits and deductibles on every quote and and to get prices from as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and a good representation of prices.

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