2014 Kia Sportage Car Insurance Cost – 8 Tips for Cheaper Prices

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.

Lower rates by qualifying for these eight discounts

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.

  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Telematics Devices – Policyholders that allow their insurance company to scrutinize vehicle usage by using a telematics device such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on Sportage coverage.
  • College Student Discount – College-age children who live away from home at college and do not have a car may qualify for this discount.
  • Switch and Save Discount – Some auto insurance companies reward drivers for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks shop insurance coverage online.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm and Allstate allow you one accident before raising your premiums if your claims history is clear prior to being involved in the accident.

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.

  • Travelers offers premium reductions for home ownership, save driver, hybrid/electric vehicle, driver training, new car, and continuous insurance.
  • 21st Century discounts include teen driver, student driver, air bags, driver training, good student, and early bird.
  • State Farm has discounts for good student, multiple policy, Steer Clear safe driver discount, defensive driving training, student away at school, and Drive Safe & Save.
  • Geico may include discounts for multi-policy, driver training, air bags, military active duty, seat belt use, and five-year accident-free.
  • SAFECO policyholders can earn discounts including homeowner, teen safety rewards, anti-lock brakes, bundle discounts, and safe driver.
  • AAA offers discounts for good student, multi-policy, pay-in-full, anti-theft, good driver, and AAA membership discount.

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.

Insurance is unique, just like you

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.

  • Do I have coverage when making deliveries for my home business?
  • What is covered by UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • Why does it cost so much to insure a teen driver?
  • I have a DUI can I still get coverage?
  • How high should my medical payments coverage be?
  • Should I drop comprehensive coverage on older vehicles?
  • What if I don’t agree with a claim settlement offer?
  • I have health insurance so do I need medical payments coverage?

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.

Coverage specifics

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.

Be a money saver!

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.

To learn more, feel free to visit the resources below: