1998 Kia Sportage Insurance Rates

Searching for the cheapest auto insurance rates for your Kia Sportage? Price shopping your auto insurance may be quite difficult for beginners to shopping for insurance online. Since there are so many insurance companies available, it can quickly become a chore to lower your prices.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. The purpose of this post is to let you in on how to effectively get price quotes and some tips to save money. Nevertheless, consumers can benefit from knowing the methods companies use to price online insurance and apply this information to your search.

More discounts mean lower-cost premiums

The price of auto insurance can be rather high, but there may be some discounts that may help make it more affordable. Some of these disounts will be visible when you quote, but occassionally some discounts must be inquired about prior to getting the savings.

  • Paperless Signup – Certain insurance companies may give you up to $50 for signing up on their website.
  • Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on Sportage insurance depending on your company.
  • Student Discounts – Getting good grades may save as much as 25% on a auto insurance quote. Most companies allow this discount up until you turn 25.
  • Early Signing – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Fewer Miles Equal More Savings – Driving less can qualify you for lower prices on the low mileage vehicles.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Safety Restraint Discount – Requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Professional Organizations – Having an affiliation with a professional or civic organization could trigger savings on your next insurance coverage statement.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Insurance companies that have most of these discounts may include but are not limited to:

When getting a coverage quote, ask all the companies how many discounts you can get. Discounts may not apply to policies in your area. If you would like to choose from a list of insurers with the best insurance coverage discounts, click here to view.

Car insurance quotes comparison

There are multiple methods to compare car insurance quotes, and some are more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many insurance companies participate in an industry program where insurance shoppers enter their policy data once, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quote forms for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of form is you can’t choose the providers you want to price. If you would rather choose specific providers to compare rates, we have a page of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just be certain you are entering nearly identical coverage limits for each quote you get. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best. Quoting even small variations in coverage limits could throw off the whole comparison. Just remember that comparing more quotes increases the change that you will find the best rates.

How insurers calculate Kia Sportage insurance prices

Part of the auto insurance buying process is learning the rating factors that help determine the price you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Lots of factors are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but other factors are not as apparent such as whether you are married or how safe your car is.

The itemized list below are some of the most common factors used by companies to determine your rate level.

  • Save miles driven and save money – The higher the miles on your Kia each year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos left parked in the garage can get a lower rate than those used for commuting. Ask your agent if your vehicle rating reflects annual mileage, because improper ratings can cost you money. Having the wrong rating on your Sportage is throwing money out the window.
  • Careless drivers pay higher prices – Careful drivers receive lower rates as compared to those with violations. Even one driving citation can increase the cost of insurance to the point where it’s not affordable. Drivers unfortunate enough to have careless violations like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state in order to continue driving.
  • Where you live plays a part – Having an address in a rural area can save you money if you are looking for the lowest rates. Fewer people means fewer accidents. Drivers in populated areas have to deal with more aggressive driving styles and longer commutes to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Liability protection is peace of mind – Your auto insurance policy’s liability coverage will protect you in the event that a court rules you are at fault for physical damage or personal injury to other. It provides you with a defense in court starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Do you need those extra coverages? – Policies have extra coverages you can purchase if you aren’t careful. Coverages for personal injury protection, towing coverage, and Farm Bureau memberships are examples of these. They may seem like a good idea when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • High stress job may mean higher premiums – Do you work in a high-stress field? Occupational choices like military generals, business owners and stock brokers have the highest average rates due to stressful work requirements and incredibly demanding work hours. Conversely, careers like actors, athletes and performers have the lowest average rates on Sportage insurance.

It’s not one size fits all

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • Is my teenager covered with friends in the car?
  • Does my insurance cover a custom paint job?
  • How much liability insurance is required?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Is there deception in advertising?

Big name companies like State Farm, Geico and Progressive endlessly run television, radio, and online ads. They all seem to make the same claim about savings after switching to their company. But how can every company make almost identical claims?

Most companies provide the lowest rates for a prospective insured that will add to their bottom line. An example of a profitable customer might be a mature driver, has never had a claim, and has great credit. Any person that meets those criteria will probably get the lowest prices as well as save when switching.

Drivers who are not a match for those criteria will see a higher premium with the end result being the customer buying from a different company. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can truthfully make claims that they all have the best rates.

This illustrates why you should get price quotes at each policy renewal. It’s not possible to predict which auto insurance company will be your best fit.

Car insurance coverages for a Kia Sportage

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle and theft. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, loss of income, medical services and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as EMT expenses, doctor visits, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Be a Smart Shopper

Consumers who switch companies do it for many reasons like high prices, an unsatisfactory settlement offer, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

Cheaper auto insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and usually these small, regional companies prefer to sell through local independent agencies.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

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