2018 Kia Sportage Insurance Rates – 9 Policy Discounts

Searching for the cheapest car insurance rates for your Kia Sportage? Cutting costs on Driverscar insurance might be slightly frustrating for people who are new to shopping for insurance online. Drivers have so many agents and companies to choose from that it can easily become hard work to locate the lowest premium rates.

You should take the time to do price comparisons quite often since prices are adjusted regularly by insurance companies. If you had the lowest rates for Sportage coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest way to find better coverage at a better price.

Pricing affordable insurance coverage coverage is not that difficult. In a nutshell, anyone who carries insurance coverage will most likely be able to lower their premiums. Nevertheless, consumers need to have an understanding of the way insurance companies market insurance on the web and take advantage of how the system works.

First Step: Get free auto insurance quotes

Comparing auto insurance rates can be a lot of work if you don’t know the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use online quotes for quick rates.

Most of the best insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and each company returns a rated price. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To participate in this free quote system, click here to start a free quote.

The only downside to using this type of form is you are unable to specify the insurers you want pricing from. So if you prefer to choose specific providers to compare, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare nearly identical coverage data for every quote you compare. If you are comparing different liability limits you will not be able to find the best deal for your Kia Sportage. Even a minor difference in coverage limits may result in a large different in cost. It’s important to know that quoting more provides better odds of finding the best rates.

Which policy gives me the best coverage?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does coverage extend to Mexico or Canada?
  • Should I buy full coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I make deliveries for my home business?
  • Are split liability limits better than a combined single limit?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like ambulance fees, hospital visits, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Kia Sportage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, pain and suffering, court costs, repair costs for stationary objects and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.