Cheap 1995 Kia Sportage Insurance Quotes

High-priced car insurance can draw down your funds and force you to make sacrifices. Performing a price comparison is a fast and free way to make ends meet.

You have so many insurance companies to pick from, and although it’s nice to be able to choose, it can be more challenging to find the lowest rates.

Buying affordable insurance coverage can be fairly easy. Essentially every driver who has to buy insurance most likely will be able to find better rates. Nevertheless, car owners can benefit by having an understanding of how the larger insurance companies price insurance differently because it can help you find the best coverage.

How to buy auto insurance

When shopping for low cost insurance coverage quotes, there are a couple of ways of comparing price quotes from lots of auto insurance companies. The simplest method to find cheaper 1995 Kia Sportage rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotes for each company you want a rate for. One simple form will get you price quotes instantly.
  2. A more time consuming way to compare prices requires a trip to each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare prices for Geico, State Farm and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. The hardest way to quote and compare insurance rates is calling or driving to and from local insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless you have a need for the peace of mind that can only be provided by a licensed insurance agent. It is possible with some companies find lower rates online but buy from a local insurance agent.

The method you choose is up to you, but make sure you use identical coverages for each comparison quote. If each company quotes different data it’s not possible to determine the best price for your Kia Sportage. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that comparing a large number of companies gives you a better chance of getting the best rates.

Do you qualify for discount auto insurance?

Buying auto insurance is not cheap, but you may qualify for discounts that you may not even know about. Certain credits will be shown when you complete an application, but occassionally some discounts must be specially asked for before they will apply.

  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Bundle and Save – When you have multiple policies and insure them both with the same insurance company you will save up to 20% and get you cheaper insurance coverage.
  • Data Collection Discounts – Insureds who allow their insurance company to spy on driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
  • Discounts for Cautious Drivers – Insureds without accidents may receive a discount up to 45% for Sportage coverage than their less cautious counterparts.
  • Paper-free Discount – Some auto insurance companies will give you a small discount just for signing your application digitally online.
  • ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Large auto insurance companies and their possible discounts are detailed below.

  • Geico may have discounts that include seat belt use, driver training, good student, membership and employees, and federal employee.
  • USAA policyholders can earn discounts including new vehicle, defensive driver, multi-policy, family discount, safe driver, and annual mileage.
  • Progressive has discounts for multi-vehicle, online signing, homeowner, multi-policy, and continuous coverage.
  • American Family has savings for bundled insurance, multi-vehicle, good student, defensive driver, mySafetyValet, and air bags.
  • Esurance offers premium reductions for safety device, DriveSense, multi-car, good driver, Pac-12 alumni, multi-policy, and anti-lock brakes.
  • Farmers Insurance may include discounts for mature driver, youthful driver, bundle discounts, teen driver, multi-car, pay in full, and alternative fuel.
  • State Farm offers discounts for good driver, accident-free, driver’s education, defensive driving training, student away at school, and multiple autos.

It’s a good idea to ask all the companies which discounts they offer. All car insurance discounts may not be available in your area. To locate companies with discount rates, click here.

Find Kia Sportage insurance more affordably

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that come into play when calculating car insurance rates. If you know what influences your rates, this enables you to make decisions that may reward you with cheaper rates. Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are more transparent such as your marital status or your financial responsibility.

  • Pay more of a claim out-of-pocket – Protection for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some coverage claims are collision with another vehicle, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the better rate you will receive for Sportage coverage.
  • Liability – Liability insurance kicks in in the event that you are responsible for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Theft deterrents save – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your car insurance. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
  • Your location is important – Being located in less populated areas can be a good thing when trying to find low car insurance rates. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have congested traffic and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Women tend to take less risk – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that males are worse at driving than females. Both sexes tend to get into accidents in similar numbers, but guys have costlier accidents. Not only that, but men also have more aggressive citations such as reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Gaps in coverage mean higher prices – Letting your insurance expire will be a guaranteed way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance could earn you fines or a revoked license.
  • Drive less and pay lower prices – The higher the mileage driven each year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles left parked in the garage cost less to insure than those used for commuting. Improper usage on your Sportage can cost quite a bit. It’s always a good idea to double check that your car insurance declarations sheet reflects the correct driver usage.

What insurance coverages do I need?

When choosing coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Can I rent a car in Mexico?
  • Is rental equipment covered for theft or damage?
  • Do I need motorclub coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • If my 1995 Kia Sportage is totaled, can I afford another vehicle?
  • Does coverage extend to Mexico or Canada?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like pain and suffering, emergency aid, bail bonds, medical expenses and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1995 Kia Sportage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Sportage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, rolling your car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, chiropractic care, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Compare but don’t skimp

Cheap 1995 Kia Sportage insurance can be bought from both online companies and from local insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and these regional insurance providers prefer to sell through local independent agents.

You just read a lot of information how to lower your 1995 Kia Sportage insurance prices. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or Geico.

Other learning opportunities