2016 Kia Sportage Car Insurance Rates – 10 Savings Tips

Trying to find the cheapest insurance coverage rates for your Kia Sportage? Trying to find more affordable insurance coverage can be quite difficult for drivers who are new to online rate comparisons. With so many insurance agents and insurers to choose from, it can quickly become hard work to locate the lowest price.

Choosing the best insurance company for you is not rocket science. Just about every vehicle owner who has to buy auto insurance should be able to cut their insurance bill. Nevertheless, car owners must know the way insurance companies sell online and apply this information to your search.

Compare insurance coverage rate quotes online

Many insurance companies like Progressive, Geico, Allstate and State Farm allow consumers to get price estimates online. The process doesn’t take much effort as all you need to do is type in the coverages you want as detailed in the form. Once you submit the form, their quoting system collects credit information and your driving record and generates pricing information based on these factors.

Online quotes simplifies rate comparisons, but the work required to visit different websites and enter the same data into a form can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to get better insurance coverage pricing.

There is an easier way to compare rates

The quickest way to locate the lowest prices uses just one form that obtains quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes online shopping much easier. After sending the form, it is rated and you are able to buy any one of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input the coverages exactly as they are listed on your policy. This way, you are getting rate quotes using the exact same coverages.

Do you qualify for discount insurance coverage?

Some insurers don’t necessarily list their entire list of discounts very well, so the below list has both the well known and the harder-to-find discounts that you may qualify for.

  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper because new vehicles are generally safer.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.
  • Distant Student Discount – Youth drivers who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
  • Air Bag Discount – Factory options such as air bags may earn rate discounts of 20% or more.
  • Active Service Discounts – Being on active deployment in the military may lower your rates slightly.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as compared to bad drivers.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Sportage insurance depending on your company.

One thing to note about discounts is that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Some companies that may offer some of the above discounts include:

If you need inexpensive car insurance quotes, ask each company or agent which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. To view insurance coverage companies with the best discounts, click this link.

What insurance coverages do I need?

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Do I pay less for low miles?
  • I have a DUI can I still get coverage?
  • What is high-risk coverage and where do I buy it?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I waive the damage coverage when renting a car?
  • I have health insurance so do I need medical payments coverage?
  • Is my 2016 Kia Sportage covered for smoke damage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Advertising myths

Insurance providers like Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. All the ads make the point that drivers can save some big amount if you get a free car insurance quote and switch your policy. How is it plausible that every one can charge you less for car insurance?

Different companies have strict underwriting profiles for a prospective insured that makes them money. For example, this type of insured might have to be over age 30, has a clean driving record, and has a high credit rating. Any customer that hits that “sweet spot” will qualify for the lowest prices and will save if they switch.

Potential customers who may not quite match those criteria will probably be forced to pay a more expensive rate which translates to the customer buying from someone else. The ad wording is “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make those claims. Different companies use different criteria so you absolutely need to compare many company’s car insurance rates. It is impossible to predict with any certainty which company will have the best rates at this point in time.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass, fire damage, hitting a bird and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, surgery, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2016 Kia Sportage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, structural damage, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Power to the consumer

We just covered many tips how you can shop for 2016 Kia Sportage insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from a smaller regional carrier.

As you quote car insurance, never skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Lower-priced insurance coverage can be found both online as well as from independent agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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