View 2010 Kia Sportage Insurance Rates

Searching for better insurance coverage rates for your Kia Sportage? Scraping up a payment for overpriced Kia Sportage insurance can drain your checking account and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Lots of auto insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the definite lowest price

If you have a current car insurance policy or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn the tricks to buy car insurance online.

How to Get Insurance Coverage

Cutting your insurance coverage rates isn’t really that difficult. The only requirement is to spend a few minutes on the computer comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating a different quote for each company you want a rate for. Completing one form will return price quotes from all major companies.

A slightly less efficient method to obtain and compare quotes online is going to the website for each individual company and complete a new quote form. For instance, let’s assume you want to compare rates from State Farm, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make darn sure you compare the exact same coverage limits for every company. If each company quotes differing limits it’s not possible to determine the lowest rate for your Kia Sportage.

Don’t listen to company ads

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, Geico and Progressive. All the ads have a common claim that you can save if you switch your coverage to them.

But how can every company say the same thing? This is how they do it.

All the different companies can use profiling for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for these standards will have to pay more money which usually ends up with business going elsewhere. The ads say “people who switch” not “people who quote” save that much. That’s the way companies can make those claims. Because of the profiling, you should get quotes from several different companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Elements that influence Kia Sportage insurance rates

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

  • Older drivers save more – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers have a tendency to get distracted easily when driving and because of this, their car insurance rates are much higher.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for car insurance? Jobs such as lawyers, social workers and financial analysts tend to pay higher average rates attributed to job stress and lots of time spent at work. Conversely, occupations like actors, engineers and homemakers have the lowest average rates for Sportage coverage.
  • Safer occupants lowers premiums – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If the 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.
  • Do you know you’re credit rating? – A driver’s credit rating is a big factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit. If your credit score can use some improvement, you could save money insuring your 2010 Kia Sportage by improving your rating.
  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Just one speeding ticket may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Where you live can impact rates – Being located in less populated areas can save you money when talking about car insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
  • Higher deductibles cost less – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and burglary. The more expense the insured has to pay upfront, the less your car insurance will be for Sportage coverage.
  • Where do you drive? – The more miles you rack up on your Kia in a year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. An improperly rated Sportage can cost quite a bit. Ask your agent if your car insurance policy is rated on how each vehicle is driven.

Lots of discounts mean lots of savings

Companies don’t always advertise every available discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.

  • Defensive Driving Course – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Accident Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Sportage coverage than drivers with accident claims.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.

Consumers should know that some credits don’t apply the the whole policy. Most only reduce individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers with the best insurance coverage discounts, click here.

Situations that might require an agent

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When would I need additional glass coverage?
  • How many claims can I have before being cancelled?
  • Do I need higher collision deductibles?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, fire damage, a tree branch falling on your vehicle and theft. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, dental work, EMT expenses, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, bail bonds, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

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

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A penny saved is a penny earned

You just read many ideas to get a better price on 2010 Kia Sportage insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut full coverage to discover at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

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