How Much Does 1997 Kia Sportage Insurance Cost?

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Many auto insurance companies compete for your business, so it’s not easy to compare every provider and uncover the absolute lowest price

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Buying car insurance is quite easy. But drivers do need to learn the methods companies use to sell online and use this information to your advantage.

Pay less by taking advantage of discounts

Car insurance can cost a lot, but there could be available discounts to help bring down the price. Some trigger automatically when you quote, but a few must be inquired about before you will receive the discount.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Kia can qualify you for better rates on cars that stay parked.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Sportage insurance.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for Sportage insurance.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Homeowners Discount – Owning a home can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.

A little note about advertised discounts, most discount credits are not given the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.

For a list of insurers with discount insurance coverage rates, click here.

Your coverage should be tailored to you

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I find cheaper teen driver insurance?
  • Am I covered when using my vehicle for business?
  • How do I buy GAP insurance?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Insurance companies such as State Farm, Allstate and Geico regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move to them. How can each company make almost identical claims?

All the different companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as over the age of 40, is a homeowner, and has great credit. A driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for these standards must pay a higher premium and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently state the savings.

This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Kia Sportage insurance rates.

Information about specific coverages

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Kia Sportage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, medical expenses and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses such as funeral costs, rehabilitation expenses, nursing services, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

The bottom line

Low-cost 1997 Kia Sportage insurance can be purchased on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

In this article, we presented quite a bit of information on how to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from an unexpected company. They can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

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