2002 Kia Sportage Car Insurance Quotes

Drivers have lots of choices when trying to find the lowest priced Kia Sportage insurance. You can either spend your time driving around trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to compare insurance coverage rates and you need to know the absolute fastest way to quote coverages for a new or used Kia and locate the lowest possible price.

You should make it a habit to compare rates on a regular basis because rates are rarely the same from one policy term to another. Just because you had the lowest price for Sportage coverage last year a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage online but I’m going to show you some solid techniques on how to buy insurance coverage cheaper.

Why your Kia Sportage insurance rates may be high

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that could result in big savings.

The list below includes some of the factors that factor into premiums.

  • Lower deductibles cost more – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. A few examples of covered claims could be collision with another vehicle, damage from fire, and burglary. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The more money you have to pay, the less your auto insurance will be for Sportage coverage.
  • Bad driving skills means higher rates – Drivers who don’t get tickets get better rates than bad drivers. Only having one moving violation can bump up the cost twenty percent or more. If you have serious violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in your rate calculation. So if your credit is lower than you’d like, you could save money insuring your 2002 Kia Sportage by repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates. If your Kia Sportage scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women have accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as reckless driving.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Student in College – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Homeowners Discount – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Sportage coverage with select insurance companies.
  • Safe Drivers – Safe drivers may save up to 50% more for Sportage coverage than less cautious drivers.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing online.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To see a list of insurance companies with the best insurance discounts, click this link.

When should I use an insurance agent?

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Can my teen drive my company car?
  • Do I have coverage if my license is suspended?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability coverage do I need in my state?
  • Am I better off with higher deductibles on my 2002 Kia Sportage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Kia Sportage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

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

Collision can pay for things like crashing into a building, hitting a parking meter, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, pain medications, hospital visits, funeral costs and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability coverage – Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical expenses, attorney fees, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, vandalism, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage on a shoestring budget

Low-cost 2002 Kia Sportage insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford.

Consumers leave their current company for a number of reasons such as delays in paying claims, unfair underwriting practices, an unsatisfactory settlement offer and even high prices. It doesn’t matter what your reason, switching insurance companies is not as difficult as it may seem.

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