2006 Kia Sportage Insurance Quotes – 10 Tips for Best Rates

Searching for lower auto insurance rates for your Kia Sportage? Wish you could get a refund on an overpriced auto insurance policy? Don’t sweat it because you’re not the only one. There are many car insurance companies to pick from, and although it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

Locating affordable auto insurance coverage is simple if you know the tricks. If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Vehicle owners just need to learn the tricks to buy auto insurance online.

Save money with these ten discounts

Some companies do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Sportage coverage depending on your insurance provider.
  • Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company you may earn 10% to 20% off each policy.
  • Homeowners Pay Less – Just being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
  • Sign Early and Save – Select larger companies give a discount for buying a policy before your current policy expires. You could save around 10% when you buy insurance coverage online.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for cheaper rates.
  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive reduced rates for Sportage coverage.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and Geico will forgive one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Save with a New Car – Insuring a vehicle that is new can save you some money compared to insuring an older model.

One last thing about discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

To choose companies that have a full spectrum of discounts, follow this link.

Auto insurance can be complex

When it comes to choosing coverage, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining whether you could use an agent’s help.

  • Do I need roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford to buy a different vehicle if my 2006 Kia Sportage is totaled?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • Will my insurance pay for OEM parts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Save $381 a year. For real?

Consumers can’t escape the ads that claim the cheapest prices from the likes of State Farm and Allstate. All the ads tend to make the same promise that people will save if you switch your coverage to them.

How do they all cost less than your current company? This is the way they can do it.

Many companies have strict underwriting profiles for the type of customer that will generate a profit. An example of a preferred risk may be over age 30, has never had a policy lapse, and has great credit. Anybody that fits those parameters will get the preferred car insurance rates and therefore will save quite a bit of money when switching.

People who are not a match for the “perfect” profile may be required to pay more expensive rates and the customer not purchasing. The ad wording is “people who switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can confidently make the claims of big savings.

This illustrates why you should compare free insurance coverage quotes often. You cannot predict which insurance companies will fit you best based on your risk profile.

Insurance specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, rock chips in glass, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your Sportage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy 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 a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, medical expenses, structural damage, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as prosthetic devices, funeral costs, EMT expenses, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Final considerations

In this article, we presented a lot of information how to get a better price on 2006 Kia Sportage insurance. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

A few companies may not provide online quoting smaller companies work with independent agents. Budget-friendly insurance coverage can be sourced online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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