Want the cheapest auto insurance rates for your Kia Sportage? Are you at wits end from scraping the payment together to pay auto insurance each month? Your situation is no different than most other vehicle owners.
Due to the fact that there are so many options, it’s nearly impossible to choose the right insurer.
You need to get comparison quotes before your next renewal because auto insurance prices are usually higher with each renewal. If you had the lowest rate on Sportage insurance two years ago you may be paying too much now. There are lots of tips to save on auto insurance out there, but by reading this article, you’re going to learn some of the best ways to lower your auto insurance rates.
The purpose of this post is to familiarize you with how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. But vehicle owners can benefit by having an understanding of how companies market insurance on the web.
There are multiple methods to compare auto insurance quotes, but one way is more efficient than others. You can spend your afternoon talking about coverages with agents in your area, or you could save time and use online quoting to achieve your goal.
Most major companies belong to a marketplace that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote. This eliminates the need for quotation requests for each company you want a rate for.
To use this form to compare rates click to open in new window.
The one disadvantage to getting quotes like this is you don’t know exactly which insurance companies to get pricing from. If you wish to select from a list of companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
You can choose any of those ways to find more affodable coverage, but be certain you are entering nearly identical coverage limits for every company. If you are comparing different data it’s not possible to make a fair comparison for your Kia Sportage. Just a small difference in insurance coverages or limits may result in a large different in cost. It’s important to know that making a lot of price comparisons will increase your chances of finding a better price. Some smaller insurers to not give online rate quotes, so it’s important to compare rates from them as well.
When choosing proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation may require specific advice.
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.
Liability coverage – This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims such as medical services, funeral expenses, repair bills for other people’s vehicles, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2016 Kia Sportage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.
Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from a tornado or hurricane, falling objects, hitting a bird, a broken windshield and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses like dental work, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Collision coverages – This coverage covers damage to your Sportage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.