1997 Kia Sportage Insurance Quotes

Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for affordable Kia Sportage insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to price shop coverage for your Kia and locate the best price possible.

It’s a good habit to get comparison quotes periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the best rate on Sportage coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the right way to find great coverage at a great price.

The cheapest insurance

All the larger insurance companies make it easy to get insurance quotes from their websites. Obtaining pricing is pretty easy as you just type in your required coverages as detailed in the form. After you complete the form, their system will obtain information on your driving record and credit history and generates pricing information determined by many factors.

Online price estimates streamlines rate comparisons, but the time required to go to a lot of sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find better prices.

A less time-consuming method to lower your insurance bill uses just one form that analyzes rates from multiple companies. It saves time, eliminates form submissions, and makes online price comparison much easier. After your information is entered, it is rated and you can choose any or none of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. It only takes a few minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, click here and submit your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. Doing this assures you will be getting a fair comparison using the exact same coverages.

Discounts for cheaper car insurance rates

Some providers don’t list all possible discounts very well, so the list below details some of the best known in addition to some of the lesser obvious credits available to you.

Own a Home – Just owning your own home can save a few bucks because maintaining a house means you have a higher level of financial diligence.
Online Discount – A few larger online companies provide a small discount for buying a policy and signing up on the internet.
Early Renewal Discounts – Some car insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
Discount for Multiple Policies – If you can combine your auto and homeowners policy and insure them with the same company you could earn a discount of up to 20% off your total premium.
Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
Multiple Vehicles – Buying insurance for multiple vehicles with the same company can reduce the rates for all insured vehicles.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.

Large car insurance companies and a selection of discounts include:

Esurance offers discounts for homeowner, paid-in-full, emergency road assistance, safety device, defensive driver, and renters.
The Hartford may have discounts that include defensive driver, driver training, anti-theft, vehicle fuel type, and air bag.
AAA discounts include education and occupation, multi-policy, good student, AAA membership discount, anti-theft, and multi-car.
Geico may offer discounts for daytime running lights, defensive driver, driver training, five-year accident-free, and federal employee.
State Farm has discounts for multiple autos, anti-theft, good student, student away at school, and passive restraint.

When comparing rates, check with all companies you are considering how you can save money. Some discounts listed above may not apply to policyholders everywhere. To locate car insurance companies who offer car insurance discounts, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Will my vehicle be repaired with OEM or aftermarket parts?
Is other people’s property covered if stolen from my vehicle?
Am I covered when driving on a suspended license?
Will I be non-renewed for getting a DUI or other conviction?
Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Kia Sportage

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Kia Sportage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Coverage for collisions

This coverage will pay to fix damage to your Sportage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, scraping a guard rail, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, a broken windshield, hitting a bird and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, funeral costs, rehabilitation expenses, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability auto insurance

This will cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, bail bonds, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.