Want to save money and find more affordable car insurance rates in Denver, CO? Denver shoppers have lots of choices when shopping for the lowest priced Kia Sorento insurance. They can either waste time driving around to get rate comparisons or save time using the internet to make rate comparisons.
There is a better way to buy car insurance and we'll show you the absolute fastest way to get price quotes for a new or used Kia and locate the best price possible from Denver insurance agents and online providers.
It's a great practice to do price comparisons before your next renewal because car insurance rates go up and down regularly. Just because you had the lowest premium rates on Kia Sorento insurance in Denver six months ago you will most likely find a better price today. Block out anything you think you know about car insurance because you're going to get a crash course in the fastest and easiest way to find better rates and still maintain coverage.
Best Kia Sorento insurance prices in Colorado
The companies shown below provide comparison quotes in Denver, CO. If several companies are displayed, we suggest you visit several of them to find the most affordable car insurance rates.
Car insurance discounts help lower rates for Kia Sorento insurance in Denver
Car insurance is easily one of your largest bills, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will be applied at quote time, but some discounts are required to be specifically requested before you get the savings. If you're not getting every credit you qualify for, you may be paying too high a price.
- Senior Citizen Rates - Older drivers can get a discount up to 10%.
- Defensive Driver Discounts - Completing a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
- Discounts for Cautious Drivers - Insureds without accidents may save up to 50% more than less cautious drivers.
- Anti-theft Discount - Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your Denver auto insurance quote.
- Onboard Data Collection - Insureds who allow their insurance company to look at vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if they exhibit good driving behavior.
- Paper-free Discount - Certain larger companies will give a small break get Denver auto insurance on the web.
- Active Military Service - Being on active duty in the military can result in better car insurance rates.
- Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
- Good Students Pay Less - Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
- Own a Home - Being a homeowner can help you save on car insurance because it is proof that your finances are in order.
You should keep in mind that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.
To find car insurance companies with the best discounts in Colorado, click here.
When to contact an agent
Some people still like to have an agent's advice and we recommend doing that Good insurance agents will help you protect your assets and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent. Supporting small agencies is important especially in Denver.
To help locate an agent, after submitting this quick form, your coverage information is emailed to participating agents in Denver that can provide free Denver auto insurance quotes to get your business. You won't need to leave your computer as quotes are delivered to your email. If you have a need to get a comparison quote from one company in particular, feel free to find their quoting web page and complete a quote there.
If you would like to find a good Denver insurance agent, it's helpful to know the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Denver are classified as either independent (non-exclusive) or exclusive. Either can sell affordable auto insurance policies, but we need to point out the difference in how they write coverage because it can impact your agent selection.
Independent Auto Insurance Agencies
Agents of this type are not employed by any specific company and that gives them the ability to insure with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, they can switch companies in-house which is easy for the insured.
When searching for an agent, it's recommended you get rate quotes from a few independent agents for the best price selection. Most can insure with different regional companies who may have lower rates.
Featured below is a small list of independent agencies in Denver that can possibly get you free auto insurance rate quotes.
- Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd - Denver, CO 80232 - (303) 936-7233 - View Map
- Westwood Insurance
57 W Alameda Ave - Denver, CO 80223 - (303) 722-2841 - View Map
- Bonnie Brae Insurance
179 S Colorado Blvd - Denver, CO 80246 - (303) 321-9300 - View Map
Agents in the exclusive channel can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to provide prices from multiple companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on the products they sell which can be an advantage. A lot of people choose to use an exclusive agent partially due to the brand legacy instead of buying on price only.
The following is a list of exclusive agents in Denver that are able to give rate quotes.
- Todd Savage - State Farm Insurance Agent
2401 E 6th Ave - Denver, CO 80206 - (303) 722-1139 - View Map
- Farmers Insurance - Angel Le
1145 S Federal Blvd - Denver, CO 80219 - (303) 975-8911 - View Map
- Farmers Insurance - Greg Delgado
2839 Wyandot St - Denver, CO 80211 - (720) 588-4111 - View Map
Choosing the best insurance agent needs to be determined by more than just a cheap price. These are some questions your agent should answer.
- Does the agent recommend any additional coverage?
- Does the agent have a valid license to sell insurance in Colorado?
- Does the company use OEM repair parts?
- Is there any savings for paying the full premium?
- How are claims handled?
- Are claims handled at the agent's location?
Don't listen to company ads
Colorado consumers get pounded daily by advertisements that claim the lowest prices from companies such as GEICO, State Farm and Progressive. All the companies advertise claims that you can save just by moving your policy.
How does every company charge you less for car insurance?
All the different companies quote their cheapest rates for the type of driver that is profitable for them. One example of a desirable insured might be described as married and over the age of 30, has never had a policy lapse, and has a high credit rating. A driver who matches those parameters is entitled to the best price and will also save when switching.
Consumers who are not a match for these stringent criteria will get higher premium rates and ends up with the customer not buying. If you pay attention, the ads say "customers who switch" but not "everyone who gets a quote" save money. That's the way companies can make those statements.
Because of these techniques, it's extremely important to get price quotes at each policy renewal. It's not possible to predict which company will give you the biggest savings.
Auto insurance coverage considerations
Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for collisions
Collision coverage covers damage to your Sorento resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible on your Sorento to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as vandalism, rock chips in glass, hitting a bird, falling objects and hail damage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Insurance for medical payments
Med pay and PIP coverage provide coverage for expenses for pain medications, hospital visits, nursing services, rehabilitation expenses and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered claims include injuries sustained by your vehicle's occupants and damage to your Kia Sorento.
Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (25/50/15), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.
Liability auto insurance
Liability insurance provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/15 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $15,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as loss of income, funeral expenses, repair bills for other people's vehicles, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
Quote more to save more
You just learned a lot of information how to reduce Kia Sorento insurance prices online in Denver. It's most important to understand that the more you quote Denver auto insurance, the better likelihood of getting the cheapest Kia Sorento rate quotes. Consumers may even find the biggest savings come from a small local company.
More affordable auto insurance in Denver can be sourced both online and also from your neighborhood Denver agents, and you should compare rates from both to have the best selection. Some companies may not have rates over the internet and most of the time these regional insurance providers only sell through independent agents.
When getting Denver auto insurance quotes online, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
More information is located at these links:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- How Much are Colorado Auto Insurance Quotes for College Graduates? (FAQ)
- Who Has Affordable Colorado Auto Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a 20 Year Old Male in Colorado? (FAQ)
- How Much is Colorado Auto Insurance for High School Students? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)