1996 Kia Sportage Insurance Cost – 6 Tricks for Best Prices

Are you drained from robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other consumers. Online insurance companies like Progressive, State Farm and Geico continually bombard you with TV and radio ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

How to shop insurance coverage online

Most companies allow you to get insurance quotes on the web. Getting online rates is fairly simple because you just enter the coverage amounts you desire into a form. After the form is submitted, their system makes automated requests for your driving record and credit report and quotes a price. This simplifies rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is a waste of time. But it is imperative to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.

There is a better way to compare rates

The easiest way to lower your rates requires only one form that gets prices from several different companies. It saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you are able to buy any or none of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly get comparison pricing now, click here and fill out the form. To compare your current rates, we recommend you type in your coverages identical to your current policy. This ensures you will receive comparison quotes using the same coverage and limits.

Do you qualify for discount car insurance?

Some companies don’t always advertise the entire discount list in an easy-to-find place, so the below list has some of the more common and also the lesser-known car insurance savings.

College Student Discount – Children living away from home attending college and do not take a car to college can receive lower rates.
Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on Sportage coverage with some car insurance companies.
Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings as much as 30%.
Switch and Save Discount – Some car insurance companies give discounts for buying a new policy prior to your current policy expiration. It’s a savings of about 10%.
Senior Citizen Rates – Mature drivers are able to get better car insurance rates on Sportage coverage.
Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and some of the premium reductions they offer are:

State Farm includes discounts for good student, safe vehicle, driver’s education, multiple autos, good driver, multiple policy, and passive restraint.
Farmers Insurance offers discounts including switch companies, pay in full, alternative fuel, mature driver, youthful driver, and early shopping.
Progressive has discounts for multi-vehicle, online quote discount, homeowner, multi-policy, online signing, good student, and continuous coverage.
Geico discounts include anti-theft, five-year accident-free, emergency military deployment, anti-lock brakes, daytime running lights, defensive driver, and military active duty.
Auto-Owners Insurance may have discounts that include student away at school, safe vehicle, paperless, teen driver, safe driver, and group or association.
The Hartford may offer discounts for good student, bundle, air bag, vehicle fuel type, driver training, defensive driver, and anti-theft.
Farm Bureau has savings for multi-policy, safe driver, 55 and retired, youthful driver, and renewal discount.
USAA may include discounts for safe driver, multi-vehicle, multi-policy, family discount, good student, and loyalty savings.

When quoting, ask every prospective company to apply every possible discount. Depending on the company, some discounts might not apply in your area. To see insurance companies who offer cheap car insurance quotes, click here to view.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions could help you determine if your insurance needs might need professional guidance.

Who is covered by my policy?
Will I lose any money if I cancel my policy before it expires?
Do I have coverage for damage caused while driving under the influence?
Is a fancy paint job covered?
Will filing a claim cost me more?
Do I have any recourse if my insurance company denies a claim?
What happens if I owe more than my 1996 Kia Sportage is worth?
Is my camper covered by my car insurance policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance advertisements

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, Geico and Progressive. All the ads advertise the message about savings after switching your policy.

But how can every company give you a better price? You have to listen carefully.

Car insurance companies give the best rates for the right customer that will not have excessive claims. One example of a profitable insured may be between 25 and 40, has no claims, and drives a safe vehicle. A customer getting a price quote who matches those parameters will probably get the lowest prices and have a good chance to save quite a bit of money when switching.

Insureds who don’t measure up to these standards will get more expensive rates with the end result being the customer buying from a different company. The trick companies use is to say “drivers who switch” not “everyone that quotes” save money. That is how companies can truthfully lure you into getting a quote. That is why you absolutely need to compare many company’s auto insurance rates. It’s not possible to predict with any certainty which company will have the best rates.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Liability auto insurance

This coverage can cover damage that occurs to people or other property. 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 values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, doctor visits, pain medications and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, crashing into a building, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Keep this in mind

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In too many instances, an accident victim reduced collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

We just showed you some good ideas how you can save on 1996 Kia Sportage insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.