Compare 2005 Kia Sportage Insurance Rates

Looking for lower car insurance rates for your Kia Sportage? Are you confused by the number of car insurance companies? Many other consumers are too. You have so many options available that it can quickly become a lot of work to find the perfect company for you.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. This article will introduce you to the most effective way to quote insurance and some tips to save money. Although vehicle owners must know how companies price insurance differently and take advantage of how the system works.

Free Quotes for Insurance

There are several ways to get quotes from local insurance companies. The best method to find the lowest 2005 Kia Sportage rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The most efficient way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do separate quote forms for every insurance company. One form submission gets you price quotes from multiple companies. It’s definitely the quickest method.
  • A slightly less efficient method to compare rate quotes is to manually visit each company’s website to request a price quote. For instance, let’s assume you want to compare GEICO, Progressive and Liberty Mutual. To get each rate you have to go to every website and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming method to compare rates is driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. It is possible to find lower rates online and still use a local agent and we’ll touch on that later.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage information for each comparison quote. If you compare different limits and deductibles on each one it will be next to impossible to decipher which rate is best. Just a small difference in coverages can make a big difference in price. And when comparing insurance rates, know that getting more free quotes provides better odds of finding the best price.

Elements that influence Kia Sportage insurance rates

It’s important that you understand some of the elements that help determine your insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better insurance rates.

The following are some of the factors companies use to determine rates.

  • Pleasure use saves money – The more you drive in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your Sportage can result in significantly higher rates. Ask your agent if your insurance policy is rated on the correct driver usage, because it can save money.
  • High credit ratings translate to low rates – Credit score is a large factor in determining your rates. If your credit history is lower than you’d like, you could save money insuring your 2005 Kia Sportage by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Extra coverages can waste money – There are a ton of extra coverages that you can get tricked into buying on your Sportage policy. Coverages for roadside assistance, accidental death and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
  • One company can mean more discounts – Many insurers will award you with lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Too many insurance claims drive up costs – Companies generally give lower rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Low deductibles can be expensive – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you’re willing to pay, the bigger discount you will receive on Sportage insurance.

These discounts can lower your rates

Companies that sell car insurance do not advertise all their discounts very well, so we researched both the well known and the more hidden ways to save on car insurance.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on car insurance on Sportage insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates on Sportage insurance.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as medical payments or collision. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

Companies that may offer some of the above discounts include:

Check with every prospective company what discounts are available to you. Some discounts might not be offered in every state.

Different people need different coverages

When buying the right insurance coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Will my rates increase for filing one claim?
  • Do I have coverage if my license is suspended?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is pleasure use cheaper than using my 2005 Kia Sportage to commute?
  • Do I need rental car coverage?
  • Should I buy only the required minimum liability coverage?
  • Can I afford low physical damage deductibles?
  • Am I missing any policy discounts?
  • I have a DUI can I still get coverage?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage covers damage to your Sportage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability insurance – This coverage will cover damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage, hitting a bird, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, dental work, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Be a smart shopper

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, high prices and delays in responding to claim requests. It doesn’t matter why you want to switch finding the right auto insurance provider is easier than you think.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Affordable 2005 Kia Sportage insurance is possible both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Additional auto insurance information can be found on the following sites: