Cheap 2006 Kia Sportage Insurance Rates

Feel like you’re a prisoner to an overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse. You have multiple insurance companies to choose from, and although it’s a good thing to have a choice, lots of choices makes it harder to adequately compare rates.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates is a ton of work if you don’t know the easiest way. You could waste time talking to agents in your area, or you could save time and use the web for quick rates.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each participating company provides a quote. This saves time by eliminating quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to using this type of system is you cannot specify the insurers you want to price. If you prefer to choose specific insurance companies to compare, we put together a list of low cost car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using identical quote information for each price quote. If you have different liability limits it will be very difficult to determine the lowest rate for your Kia Sportage.

Impacting insurance rates for a Kia Sportage

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Better credit scores mean better rates – Credit history is a huge factor in your rate calculation. If your credit history is not that good, you could save money insuring your 2006 Kia Sportage by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Big city or small town – Living in less populated areas can be a good thing when buying auto insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Rates may be lower depending on your job – Careers like real estate brokers, business owners and financial analysts tend to have higher average rates in part from high stress and long work hours. Conversely, occupations like pilots, engineers and retirees receive lower rates for Sportage insurance.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. The more money you are required to pay out-of-pocket, the lower your rates will be for Sportage insurance.
  • Liability insurance protects assets – Liability coverage provides coverage when a jury decides you are liable for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • How your age affects price – Older insureds are more responsible, tend to file fewer claims and are safer drivers. Youthful drivers tend to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Rate your vehicle for proper use – The more miles you rack up on your Kia in a year the more you will pay for auto insurance. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Sportage can cost quite a bit. Make sure your auto insurance policy is showing how each vehicle is driven.

Take advantage of discounts

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be asked for in order for you to get them. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Drive Safe and Save – Safe drivers may save up to 50% more for Sportage insurance than their less cautious counterparts.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Insurance companies that may have these money-saving discounts include:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not apply in every state.

How to know if you need help

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • At what point should I drop full coverage?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does car insurance cover theft of personal property?
  • Should I buy only the required minimum liability coverage?
  • How much liability coverage do I need in my state?
  • How do I file an SR-22 for a DUI in my state?
  • What vehicles should carry emergency assistance coverage?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Coverage for collisions

Collision coverage covers damage to your Sportage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2006 Kia Sportage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for rehabilitation expenses, EMT expenses, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, a tree branch falling on your vehicle, hitting a bird, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

This can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, medical services and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Get your money’s worth

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, someone dropped liability coverage limits and learned later that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Budget-conscious 2006 Kia Sportage insurance can be bought on the web and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Additional auto insurance information can be found at these links: