Compare 2008 Kia Sportage Car Insurance Rates

I really doubt anyone rejoices having to buy insurance, especially when they are paying too much.

Insurance companies such as Progressive, Geico and Farmers Insurance promote their brand names with advertising and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

Free insurance coverage price quotes

Most of the larger companies such as Progressive, Geico, Allstate and State Farm provide coverage prices direct online. Getting online rates is pretty easy as you simply type in your required coverages into the form. Once entered, the company’s rating system requests information on your driving record and credit history and returns a price determined by many factors. This streamlines rate comparisons, but the time it takes to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible if you want to get a better rate.

A more efficient way to find cheaper rates uses one simple form to get prices from many companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

To find out how much you can save on insurance coverage, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you input the coverage information identical to your current policy. Using the same limits helps guarantee you will get a price comparison using the same coverage and limits.

When in doubt talk to an agent

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • Do I pay less for low miles?
  • Am I covered when driving on a suspended license?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does liability extend to a camper or trailer?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the rate difference between pleasure use and commuting?
  • Is my custom paint covered by insurance?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for surgery, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Kia Sportage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This can cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, bail bonds, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, fire damage, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage covers damage to your Sportage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, scraping a guard rail, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.