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Kia Sportage Insurance Cost

You have many choices when finding cheaper insurance coverage on your Kia vehicle. You can get prices from your neighborhood insurance agent or shop online to compare rates from lots of different providers. Shopping for auto insurance through online providers is easy, in addition you will probably save money.

Consumers not familiar with comparing rates may think shopping for cut-rate Sportage insurance is hard and time consuming. Finding cheaper coverage prices is surprisingly easy. All you need to do is take the time comparing rates from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance rates for your Kia Sportage can be significantly different based upon several criteria. A few of these criteria are:

  • The performance level of your Sportage
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Whether you are married
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • No coverage lapses saves money
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Kia is the year of manufacture. Newer models have a higher replacement value so repair costs are higher which may end up costing you more. Conversely, more recent Kia vehicles may have options such as forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking that may help lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Sportage from the following list.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Kia resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Kia Sportage Insurance Rates?