2013 Kia Sportage Insurance Cost

Paying cheaper premium rates for Driversinsurance coverage is always slightly frustrating for people who have little experience buying insurance online. With so many agents and online companies available, it can turn into a lot of work to find a more affordable company.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Pricing the lowest cost car insurance coverage can be fairly easy. Although vehicle owners need to learn the way insurance companies market on the web and take advantage of how the system works.

Verify you’re earning every discount

Buying insurance is not cheap, but there are discounts available that could drop your premiums quite a bit. Some discounts will apply when you quote, but a few must be asked about before you will receive the discount.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • E-sign – A few larger online companies provide a small discount for buying your policy online.
  • Distant Student Discount – College-age children who live away from home at college and do not take a car to college could qualify for this discount.
  • No Accidents – Insureds who avoid accidents and claims pay much less compared to accident-prone drivers.
  • Discount for Swiching Early – A few larger companies allow discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn substantially lower premium rates.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Popular insurance companies and their offered discounts are detailed below.

  • Geico policyholders can earn discounts including air bags, anti-lock brakes, five-year accident-free, federal employee, driver training, multi-policy, and good student.
  • Travelers includes discounts for good student, new car, hybrid/electric vehicle, continuous insurance, and multi-car.
  • Farm Bureau has savings for renewal discount, multi-vehicle, 55 and retired, multi-policy, safe driver, and driver training.
  • Liberty Mutual may offer discounts for newly married, safety features, exclusive group savings, newly retired, and new move discount.
  • American Family has discounts for early bird, good driver, multi-vehicle, TimeAway discount, bundled insurance, and mySafetyValet.
  • Progressive may include discounts for online signing, multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.

If you are trying to find affordable auto insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policyholders in your area.

How to get the cheapest insurance coverage

To find cheaper prices, there are a couple of ways to compare rate quotes from companies that offer insurance coverage in your state. The quickest method to find the cheapest Kia Sportage insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This quick form keeps you from doing boring form submissions for every prospective company. One form submission gets coverage cost estimates from multiple companies. Recommended for those who want to invest the least amount of time.
  • A different way to find lower rates consists of going to each company website to request a price quote. For examples sake, we’ll pretend you need rates from Liberty Mutual, Geico and American Family. To find out each rate you need to go to each individual site and type in your information over and over, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you are comparing the same coverage limits with each company. If you are comparing unequal deductibles or liability limits it will be nearly impossible to decipher which rate is best. Slightly different insurance coverages may cause a big price difference. Keep in mind that comparing more rates from different companies will enable you to find more affordable insurance. Some regional insurers cannot provide online quotes, so you need to compare price quotes on coverage from those companies, too.

Get cheaper auto insurance with these tips

Many different elements are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, but some are not as apparent such as your marital status or your commute time.The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in big savings.

Shown below are a few of the “ingredients” used by insurance companies to determine prices.

  • Better auto insurance rates with anti-theft devices – Choosing to buy a car with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
  • High credit scores save money – An insured’s credit score will be a significant factor in your rate calculation. Therefore, if your credit score can be improved, you could pay less to insure your 2013 Kia Sportage if you clean up your credit. Consumers who have high credit ratings tend to be more responsible than drivers who have lower credit scores.
  • Where do you drive? – The more you drive your Kia each year the higher the price you pay to insure it. Most insurance companies calculate prices based upon how much you drive. Autos not used for work or commuting receive lower rates than those used for commuting. It’s a smart idea to ensure your auto insurance coverage is rated on the correct usage. An improperly rated Sportage may be wasting your money.
  • Prices may be higher where you live – Being located in areas with lower population has definite advantages when it comes to auto insurance. Drivers who live in large cities regularly have more aggressive driving styles and higher rates of accident claims. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims
  • Females tend to cost less – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. Males and females get in at-fault accidents in similar percentages, but the males have costlier accidents. Men also statistically receive more major tickets such as reckless driving. Male teenagers are the most expensive to insure and are penalized with high auto insurance rates.
  • Driving citations mean higher rates – Whether or not you get tickets can have a huge impact on auto insurance premiums. Having a single driving citation can increase rates twenty percent or more. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who get dangerous violations like reckless driving or DUI may need to file a SR-22 with the DMV in their state in order to continue driving.
  • Safer vehicles cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates directly to fewer claims passed on to you as lower rates.
  • You might get higher premiums if you are single – Having a wife or husband may save some money compared to being single. Having a spouse translates into being less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.

When should I discuss my situation with an agent?

When choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out if you would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving in Canada or Mexico?
  • When can my company non-renew my policy?
  • Where can I get insurance after a DUI in my state?
  • Can I afford to buy a different vehicle if my 2013 Kia Sportage is totaled?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Don’t believe everything you hear

Big name companies like State Farm and Allstate endlessly run ads in print and on television. All the companies state the claim that you’ll save big if you switch your insurance coverage coverage to their company. How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer could be over the age of 45, has no driving citations, and drives a car with an anti-theft system. A propective insured who matches that profile receive the lowest rate quotes and as a result will probably save a lot of money.

Potential insureds who don’t qualify for those standards will get more expensive rates which usually ends up with the customer not purchasing. The trick is to say “customers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can make it sound like they have such great prices. This emphasizes why you really should do a price quote comparison at every renewal. It is impossible to guess with any certainty which company will provide the lowest premium rates.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses such as prosthetic devices, rehabilitation expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like loss of income, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured or underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2013 Kia Sportage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

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

Collision coverage pays for things such as scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed, falling objects and a tree branch falling on your vehicle. The most 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 it’s not worth carrying full coverage.

Do the work, save more money

Low-cost 2013 Kia Sportage insurance can be bought from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and these regional carriers work with independent agents.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can get a better price on 2013 Kia Sportage insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Drivers may discover the most savings is with some of the smallest insurance companies.

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