Compare 2014 Kia Sportage Car Insurance Quotes

Want lower car insurance rates for your Kia Sportage? Are you overwhelmed by the crazy number of car insurance choices? You’re not the only one! There are so many choices that it can turn into more work than you anticipated to locate the lowest price.

It’s a good idea to price shop coverage at least once a year because rates fluctuate regularly. If you had the lowest price on Sportage insurance on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you a bunch of ideas how to quit paying high car insurance rates.

Best discounts on Kia Sportage coverage

Companies that sell car insurance don’t always advertise all available discounts very clearly, so here is a list both the well known and the more hidden ways to save on auto insurance.

  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Sportage insurance depending on your company.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount on your policy on Sportage insurance.
  • Senior Discount – Older drivers may receive a discount up to 10% on Sportage insurance.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When buying coverage, there really is not a one size fits all plan. Each situation is unique.

For instance, these questions may help you determine if you could use an agent’s help.

  • Am I covered when driving a rental car?
  • When should I remove comp and collision on my 2014 Kia Sportage?
  • Which is better, split liability limits or combined limits?
  • Do all my vehicles need collision coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need added coverage for expensive stereo equipment?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Is there truth in advertising?

Insurance providers like State Farm and Allstate consistently run television and radio advertisements. They all have a common claim that you’ll save big if you change your coverage to them. But how can every company make the same claim?

All companies have a preferred profile for the type of customer that is profitable for them. An example of a desirable insured could be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Potential customers who don’t measure up to this ideal profile will be quoted higher prices which leads to business not being written. The ads say “customers who switch” not “people who quote” save that much. This is how companies can truthfully advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will have the lowest Kia Sportage insurance rates.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like EMT expenses, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, court costs and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverage protection

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

Collision can pay for things like crashing into a ditch, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage on a shoestring budget

Lower-priced 2014 Kia Sportage insurance is possible both online as well as from independent agents, so you should compare both to have the best selection. Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, you should never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

You just read quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a lesser-known regional company.

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