2001 Kia Sportage Insurance Cost – 6 Ways to Save

Trying to find better insurance rates for your Kia Sportage? Buying the lowest price insurance may at first seem to be rather difficult for comparing rates on the web. With such a big selection of agents and companies in the marketplace, how are consumers expected to efficiently compare every one to find the cheapest price possible?

You should make it a habit to price shop coverage on a regular basis because insurance rates go up and down regularly. Even if you got the best premium rates on Sportage insurance six months ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. The purpose of this article is to introduce you to how car insurance quotes work. But drivers do need to know the way insurance companies sell insurance online because it can help you find the best coverage.

Compare insurance rates

When shopping for cheap car insurance quotes, there are a couple of ways to compare quotes from different insurance companies. The best method to lower the rate you pay for 2001 Kia Sportage insurance is to jump online and get quotes. It’s really quite simple and can be done by using one of the methods below.

  1. Experts agree that the best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing a different quote for every company. Filling out one form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.
  2. A harder way to shop for insurance online is going to each company website and repeat the quote process. For example, let’s assume you want to compare rates from Geico, 21st Century and Farmers. You would have to spend time going to each site individually and enter your information, which can get old fast. To view a list of companies in your area, click here.
  3. The most difficult method to compare rates is making phone calls or going to all the different insurance agencies. The ability to buy insurance online reduces the need to sit down with an agent unless you require the extra assistance of a licensed agent. However, consumers can compare the best prices online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just be sure to compare the same coverages for each quote you get. If you enter different limits and deductibles on each one you can’t possibly determine the best price for your Kia Sportage. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, comparing more quotes helps you find the best price. Not every company allows you to get rate quotes online, so it’s necessary to compare rates from them, too.

Which is the best car insurance?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions could help you determine whether or not you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Are my tools covered if they get stolen from my vehicle?
  • Is extra glass coverage worth it?
  • Am I covered if I drive in a foreign country?
  • Do I need more liability coverage?
  • Where can I get insurance after a DUI in my state?
  • What is no-fault insurance?
  • What is roadside assistance coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, dental work, X-ray expenses, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, theft, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, structural damage, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Sportage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle, driving through your garage door, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.