Tired of scraping the payment together each month for insurance? You are in the same boat as many other consumers.
Due to the large number of online and local companies to choose from, it can be impossible to choose the most cost effective insurance company.
Buying car insurance is not rocket science. Essentially everyone who has to buy car insurance will be able to find better rates. But consumers need to learn the way insurance companies determine prices.
Auto insurance is neither fun to buy or cheap, but companies offer discounts that you may not even be aware of. Some trigger automatically at quote time, but some discounts are required to be asked about before they will apply.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount should help lower the cost of coverage.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
If you want cheaper insurance coverage quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders everywhere. To see insurers with the best auto insurance discounts, follow this link.
When buying coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if you might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverages
Liability insurance protects you from injuries or damage you cause to other’s property or people by causing 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 liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage protects against things such as attorney fees, repair costs for stationary objects, medical expenses, court costs and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for immediate expenses like hospital visits, dental work, ambulance fees, rehabilitation expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Collision coverage protection
This coverage pays to fix your vehicle from damage 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 such as damaging your car on a curb, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.
Comprehensive insurance
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, rock chips in glass, vandalism and theft. 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 consider removing comprehensive coverage.
We covered some good ideas how you can shop for 2014 Kia Sportage insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the lowest premium rates are with some of the lesser-known companies. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.
When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to discover later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
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