1998 Kia Sportage Insurance Rates – 6 Ways to Save

Looking for the cheapest car insurance rates for your Kia Sportage? Are you sick and tired of scraping the payment together to insure your Kia every month? You are no different than the majority of other car owners. Companies like Geico and Progressive increase brand awareness with ads and it is difficult to see through the deception and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. Buying car insurance is quite easy. Drivers only need to know the best way to buy insurance coverage online.

Free Insurance Quotes

Finding a lower price on 1998 Kia Sportage insurance is not rocket science. You just need to take a couple of minutes to get quotes from different insurance companies. This can be done using a couple different methods.

  1. The fastest way consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form submissions for each company you want a rate for. One form gets you coverage quotes from many national carriers.
  2. A more time consuming way to find lower rates requires visiting the website of each company and fill out their own quote form. For instance, let’s assume you want to compare Progressive, Farmers and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits and deductibles on every quote you get. If you have unequal deductibles or liability limits it will be impossible to make a fair comparison for your Kia Sportage.

The car insurance bait and switch

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. They all say the same thing about savings after switching your coverage to them.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the right customer that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, owns a home, and has great credit. A driver who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the “perfect” profile will have to pay higher rates and this can result in business going elsewhere. The ads state “people who switch” not “people who quote” save that much money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. Because you never know which car insurance company will fit your personal profile best.

Discounts on Kia Sportage insurance

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you quote, but lesser-known reductions have to be manually applied before you will receive the discount. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • E-sign – Certain companies give back up to $50 simply for signing over the internet.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% for Sportage insurance.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

For a list of providers offering car insurance discounts, follow this link.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • What discounts do I qualify for?
  • Should I waive the damage coverage when renting a car?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when delivering products for my home-based business?
  • Are rental cars covered under my policy?
  • Am I covered if I break a side mirror?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Car insurance coverage considerations

Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, theft, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for prosthetic devices, dental work, rehabilitation expenses, nursing services and funeral costs. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

A tidy conclusion

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability limits or collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of information how to get a better price on 1998 Kia Sportage insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Additional information can be read below: