Trying to find cheaper car insurance rates for your Kia Sportage? Finding a different company that has cheaper insurance coverage might seem complicated at first if you have never taken advantage of rate quotes online. But don’t give up because finding better rates is actually fairly simple.
It is always a good idea to compare rates at least once a year because car insurance prices are variable and change quite frequently. Just because you had the best deal for Sportage insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the easiest way to remove unneeded coverages and save money.
Shopping for lower insurance rates can take time and effort if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) driving to agents in your area, or you can utilize online quotes to get rates in a matter of minutes.
All the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that information. This prevents consumers from doing form submissions to each company.
To participate in this free quote system, click here to start a free quote.
The single downside to pricing coverage this way is you are unable to specify the providers to get quotes from. So if you want to choose from a list of companies to request quotes from, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, compare the same coverages for each price quote. If you are comparing different values for each quote you can’t possibly find the best deal for your Kia Sportage. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate the best offered rates. Not every company provides online quotes, so you should also compare rates from those companies as well.
Some companies do not advertise their entire list of discounts very clearly, so we researched both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.
To see a list of companies with the best discounts, click here to view.
When choosing the best insurance coverage coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.
Auto insurance companies such as State Farm, Geico and Progressive endlessly run television and radio advertisements. They all advertise the message that people will save if you change your policy. How can each company cost less than your current company? It’s all in the words they use.
Companies look for specific characteristics for the type of driver that earns them a profit. For instance, a desirable risk might be described as between the ages of 40 and 55, has few claims, and drives a vehicle with a low ISO rating. Any new insured who fits that profile will get a cheap rate quote and will most likely cut their rates if they switch.
People who don’t qualify for this stringent profile must pay higher premium rates which translates to business going elsewhere. Company advertisements say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can confidently advertise the way they do. Because each company has a different risk profile, it’s extremely important to compare free insurance coverage quotes often. It is impossible to guess with any certainty which company will provide you with the cheapest rates.
Understanding the coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, theft, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – Collision insurance will pay to fix damage to your Sportage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, chiropractic care, pain medications and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability coverages – This will cover injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability coverage pays for things like court costs, pain and suffering and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Uninsured or underinsured coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Cheaper insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide the ability to get quotes online and these regional carriers work with independent agents.
When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest cost and still be able to protect your assets.
People change insurance companies for any number of reasons including delays in responding to claim requests, policy non-renewal, lack of trust in their agent and even high rates after DUI convictions. Whatever your reason, finding a great new company is not as hard as you think.
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