2013 Kia Sportage Insurance Quotes

Nobody I know enjoys paying for insurance, in particular when the price is too high.

Having so many insurance providers from which to choose, it is very difficult to pick the best insurance company.

The best way to compare insurance rates from multiple companies utilizes the fact car insurance companies participate in a system to provide you with a free rate quote. All you need to do is provide a little information like if you have an active license, the type of vehicles you drive, how your vehicles are used, and whether you are married. The data is sent automatically to insurance companies and they return rate quotes immediately.

To compare multiple company rates now, click here and enter your zip code.

Save on 2013 Kia Sportage insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked about prior to receiving the credit.

  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Sportage insurance with select insurance companies.
  • Multi-policy Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

Companies that may offer these benefits include:

Check with every prospective company how you can save money. Some discounts may not be available everywhere.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining whether you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • Can my babysitter drive my car?
  • Is my teenager covered with friends in the car?
  • Is extra glass coverage worth it?
  • Do I have coverage if my license is suspended?
  • Is business property covered if stolen from my car?
  • Can I make deliveries for my home business?
  • Where can I find high-risk insurance?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Why you might be paying too much to insure your Kia Sportage

It’s important that you understand some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into premiums.

  • Your location is important – Living in less populated areas is a positive aspect when talking about auto insurance. Lower population means fewer accidents. Urban drivers have more traffic problems and longer commute times. More time commuting means higher likelihood of an accident.
  • Clean credit earns discounts – Credit rating is a huge factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than those with lower ratings. If your credit score can use some improvement, you could be paying less to insure your 2013 Kia Sportage by spending a little time repairing your credit.
  • More miles equals more premium – Driving more miles every year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Sportage may be costing you.
  • Liability coverage is peace of mind – Liability coverage will protect you in the event that you are found liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.

The coverage is in the details

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage – This coverage will pay to fix damage to your Sportage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, nursing services, rehabilitation expenses, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer and rock chips in glass. The maximum payout 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.

Make a quick buck

Low-cost 2013 Kia Sportage insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Throughout this article, we presented many ideas to save on insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from the smaller companies. They may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

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