Lower Your 1995 Kia Sportage Insurance Cost

Are you sick and tired of paying out the nose to insure your Kia every month? Your situation is no different than many other drivers.

Big-name insurance companies like Geico, 21st Century and Progressive persitently shower you with advertising and it is difficult to ignore the propoganda and take the time to shop coverage around.

The easiest way to compare car insurance rates is to know the fact car insurance companies allow for online access to compare rate quotes. To get started, all you need to do is provide a little information including how much education you have, the type of vehicles you drive, whether your vehicle is owned or leased, and your occupation. That rating information is instantly submitted to multiple different insurance companies and they return quotes with very little delay.

The auto insurance bait and switch

Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. All the companies make an identical promise about savings if you move to them. How does each company say the same thing?

Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a preferred risk could be over the age of 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who fits that profile receives the best rates and most likely will save when they switch companies.

Consumers who don’t qualify for these standards must pay more money and ends up with business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently state the savings.

This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Kia Sportage insurance.

Take advantage of discounts

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be inquired about prior to getting the savings.

  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance for Sportage coverage.
  • Homeowners Savings – Being a homeowner may trigger a insurance policy discount because maintaining a house demonstrates responsibility.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not apply in every state.

How to know if you need help

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight if your situation will benefit from professional help.

  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to my business vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I rent a car in Mexico?
  • Should I buy only the required minimum liability coverage?
  • Can my teen drive my company car?
  • Do I need replacement cost coverage on my 1995 Kia Sportage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1995 Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, pain and suffering, medical expenses and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Sportage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for hospital visits, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop around and save

We just showed you quite a bit of information on how to reduce 1995 Kia Sportage insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the biggest savings come from a small local company. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Even more information is located in the articles below: