Compare 2007 Kia Sportage Insurance Rates

Searching for the cheapest auto insurance rates for your Kia Sportage? Are you tired of scraping the payment together to pay your car insurance bill each month? You are no different than most other car owners. Companies like State Farm, Allstate, Geico and Progressive increase brand awareness with fancy advertisements and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to know the proper way to shop their coverage around online.

Save on 2007 Kia Sportage insurance

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Most are applied when you complete an application, but a few must be asked about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% for Sportage insurance.
  • Memberships – Participating in a civic or occupational organization could qualify you for a break when shopping for car insurance for Sportage insurance.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will reduce your premiums.

To see a list of insurance companies offering car insurance discounts, click here to view.

Kia Sportage insurance rates have many determining factors

Smart consumers have a good feel for the factors that play a part in calculating insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to lower insurance prices.

  • Proper usage rating affects rates – The more you drive every year the more you will pay for insurance. Almost all companies rate vehicles based on their usage. Autos not used for work or commuting get more affordable rates than those used for commuting. If your policy improperly rates your Sportage may be wasting your money. Ask your agent if your insurance policy is showing the correct driver usage.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a quick way to pay more for insurance. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do you need those extra coverages? – There are a ton of extra coverages you can purchase on your insurance policy. Insurance for vanishing deductibles, better glass coverage and additional equipment coverage are some examples. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries 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 are probably receiving a discount.
  • An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance companies provide discounts to people who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight if your situation could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • What if I total my 2007 Kia Sportage and owe more than it’s worth?
  • What is the ISO rating for a 2007 Kia Sportage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when making deliveries for my home business?
  • What discounts do I qualify for?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage options for a Kia Sportage

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like pain medications, surgery, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. It does not 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 might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, loss of income, emergency aid and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Sportage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

In the end, you save

You just learned a lot of tips how to shop for 2007 Kia Sportage insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a smaller regional carrier. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Cost effective insurance is definitely available online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

Much more information about auto insurance can be read on the following sites: