2012 Kia Sportage Car Insurance Quotes – 7 Tips for Cheaper Rates

Locating the cheapest insurance for a Kia Sportage can normally be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are more efficient ways to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for your Kia and get the lowest price from both online companies and local agents.

You should make it a habit to compare rates quite often due to the fact that insurance prices are usually higher with each renewal. Just because you found the best price on Sportage insurance on your last policy the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to buy cheaper insurance coverage.

If you have a policy now or are looking for a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Pricing more affordable protection is simple if you know the tricks. Consumers just need to learn the tricks to get comparison quotes online.

The quickest way to compare insurance rates from multiple companies is to take advantage of the fact most insurance companies allow for online access to provide you with free rate quotes. To get started, all you need to do is provide the companies a bit of rating information including coverage limits, your general credit rating, the ages of drivers, and what your job is. The data is instantly submitted to many of the top insurers and you will get price comparisons immediately.

To find the cheapest 2012 Kia Sportage insurance rates, click here and find out if you can get cheaper insurance.

Lower rates by qualifying for these seven discounts

Buying insurance is not cheap, but there’s a good chance there are discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings.

  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Savings for New Vehicles – Buying a new car model can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Accidents – Good drivers with no accidents have much lower rates when compared with accident-prone drivers.
  • Payment Method – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
  • Multi-line Discount – Select insurance carriers reward you with a discount if you purchase a life policy as well.
  • Accident Waiver – but a handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.

A quick disclaimer, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, you aren’t that lucky.

Popular insurance companies and some of the premium reductions they offer are shown below.

  • American Family policyholders can earn discounts including defensive driver, good student, multi-vehicle, bundled insurance, good driver, and air bags.
  • Farm Bureau may include discounts for good student, safe driver, renewal discount, multi-policy, driver training, multi-vehicle, and youthful driver.
  • State Farm may offer discounts for good driver, Steer Clear safe driver discount, good student, passive restraint, multiple autos, anti-theft, and Drive Safe & Save.
  • Travelers includes discounts for good student, continuous insurance, save driver, multi-car, and payment discounts.
  • The Hartford offers premium reductions for good student, vehicle fuel type, anti-theft, air bag, and defensive driver.
  • Geico may have discounts that include anti-theft, seat belt use, five-year accident-free, multi-vehicle, defensive driver, and multi-policy.
  • Progressive discounts include good student, online signing, multi-policy, online quote discount, and homeowner.

If you need cheaper car insurance quotes, ask every company the best way to save money. Some discounts might not apply in your state.

Auto insurance is unique, just like you

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • What is the ISO rating for a 2012 Kia Sportage?
  • Why do I need rental car insurance?
  • Should I buy additional glass protection?
  • What companies insure drivers after a DUI or DWI?
  • How can I get high-risk coverage after a DUI?
  • Why is insurance for a teen driver so high?
  • Can my babysitter drive my car?
  • Will I lose any money if I cancel my policy before it expires?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverages

Liability coverage will cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, court costs, repair bills for other people’s vehicles, attorney fees and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like nursing services, EMT expenses and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Sportage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, crashing into a ditch, damaging your car on a curb, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sportage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

In Summary

You just read a lot of techniques to compare 2012 Kia Sportage insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Cheap 2012 Kia Sportage insurance is attainable online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide rate quotes online and most of the time these small insurance companies only sell through local independent agencies.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

More tips and info about auto insurance is available at these sites: