2009 Kia Sportage Insurance Rates – 6 Tips for Cheapest Quotes

No sane person likes paying for auto insurance, particularly when they could get a better deal.

Big companies like Progressive, State Farm and Geico continually bombard you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Six discounts for lower-cost car insurance rates

Companies don’t always publicize every discount in an easy-to-find place, so the below list has some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Save with a New Car – Putting car insurance coverage on a new car may earn a small discount compared to insuring an older model.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
  • Defensive Driving Course – Taking a course teaching driver safety skills can save you 5% or more if your company offers it.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better car insurance rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Multi-policy Discount – If you insure your home and vehicles and place coverage with the same company you will save at least 10 to 15 percent or more.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free car insurance policy, company stockholders wouldn’t be very happy.

For a list of providers that offer many of these discounts, click here.

How to compare car insurance price quotes

There are several ways to compare car insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many companies belong to an insurance system that enables customers to enter their coverage request one time, and each company returns a rated price determined by their information. This eliminates the need for quote forms to each company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify which carriers to get pricing from. If you wish to select from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here to view list.

Take whichever approach you prefer, but make sure you are using apples-to-apples quote information with every price quote. If you are comparing different values for each quote it will be impossible to determine which company has the best rates. Just slight variations in insurance coverages could throw off the whole comparison. And when comparing car insurance rates, know that making a lot of price comparisons will increase your chances of finding more affordable insurance. Some smaller insurers to not give online quotes, so it’s important to also get rates from them as well.

Tailor your insurance coverage coverage to you

When buying coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage for damage caused while driving under the influence?
  • Are split liability limits better than a combined single limit?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like pain medications, ambulance fees, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as court costs, loss of income, bail bonds and structural damage. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird, damage from getting keyed, fire damage and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Online plus local equals savings

We just showed you some good ideas how you can save on 2009 Kia Sportage insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding low cost insurance. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers can often provide lower prices in certain areas as compared to the big name companies such as Allstate or State Farm.

Discount 2009 Kia Sportage insurance is possible from both online companies in addition to local insurance agencies, so you need to shop insurance with both so you have a total pricing picture. A few companies do not offer online rate quotes and these regional carriers sell through local independent agencies.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

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