1999 Kia Sportage Insurance Cost

Paying for high-priced Kia Sportage insurance can empty your checking account and make it hard to pay other bills. Doing a price comparison is a smart way to cut your insurance bill. Multiple insurers compete for your business, and because of this it can be hard to compare insurers to get the best price available.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Finding the best rates is quite easy. Consumers just need to know the tricks to compare company rates online.

Car Insurance Quote Comparison

Comparing car insurance rates can be challenging if you don’t utilize the most efficient way to do it. You can spend your afternoon talking to local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests to each individual car insurance company.

To participate in this free quote system, click here to start a free quote.

The only drawback to getting quotes like this is you don’t know exactly which providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of companies who write car insurance in your area. Click here to view list.

It’s up to you which method you use, but compare identical information for every quote you compare. If your comparisons have different limits and deductibles on each one it’s impossible to determine which rate is truly the best.

Save on Kia Sportage insurance

Companies don’t always publicize every available discount in a way that’s easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • No Charge for an Accident – Certain companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

For a list of insurers who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might help in determining if you might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • Is my teenager covered with friends in the car?
  • Should I sign the liability waiver when renting a car?
  • Am I getting all the discounts available?
  • What exactly is covered by my policy?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy specifics

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Collision protection

This pays for damage to your Sportage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, rolling your car, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, pain medications, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass, hail damage, hitting a deer and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, pain and suffering and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.