How Much Does 2008 Kia Sportage Car Insurance Cost?

Want the cheapest car insurance rates for your Kia Sportage? Cutting costs on car insurance is difficult for consumers new to buying insurance online. There are so many options available that it can quickly become more work than you anticipated to compare prices.

Insurance Prices Online

Most companies such as Progressive, GEICO, Allstate and State Farm give coverage prices on the web. Getting online rates is pretty easy as you simply type in your personal and coverage information as requested by the quote form. Upon sending the form, their rating system orders credit information and your driving record and returns a price quote based on these factors.

Quoting online streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it is imperative to get many rate quotes in order to find a better rate.

The quickest way to locate the lowest prices requires only one form that obtains quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. After your information is entered, your coverage is rated and you can select any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To save time and compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison based on the exact same insurance coverage.

Get lower rates on Kia Sportage insurance

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Low Mileage – Fewer annual miles on your Kia can qualify you for lower rates on the low mileage vehicles.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

A partial list of companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help highlight if you will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Does my personal policy cover me when driving out-of-state?
  • When should I not file a claim?
  • How can I find cheaper teen driver insurance?
  • Do I need more liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is covered by UM/UIM coverage?
  • Does coverage extend to my business vehicle?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

These factors can influence what you pay for Kia Sportage insurance

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

Shown below are a few of the “ingredients” companies use to determine premiums.

  • Men are more aggressive – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.
  • Do you work long hours in a high stress job? – Occupations like judges, architects and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other occupations like pilots, historians and the unemployed have the lowest average rates for Sportage insurance.
  • Traffic violations increase rates – A bad driving record has a big impact on rates. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Only having one citation can bump up the cost by twenty percent. If you have flagrant 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 keep their license.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for 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. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, medical expenses, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and falling objects. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your Sportage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Sportage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, EMT expenses, pain medications, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Saving money makes a lot of cents

Low-cost 2008 Kia Sportage insurance can be purchased both online and with local insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Consumers switch companies for any number of reasons including high rates after DUI convictions, poor customer service, denial of a claim and even policy non-renewal. Regardless of your reason, finding a great new company can be easier than you think.

We just showed you a lot of ways to shop for insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

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