Lower Your 1996 Kia Sportage Car Insurance Rates

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Online insurance companies like Allstate, Progressive and Geico all claim big savings with fancy advertisements and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

Compare the Market for Insurance Coverage

Finding lower insurance coverage rates can be relatively painless. Just take a couple of minutes comparing price quotes online with multiple companies. This can be done using a couple different methods.

1. The recommended way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating boring form submissions for every insurance coverage company. In just a few minutes this one form gets rate comparisons from multiple companies.
2. A harder way to obtain and compare quotes online is to manually visit each individual company website and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Farmers, Esurance and American Family. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

Whichever way you use, be sure to compare identical coverages for every company. If you enter mixed coverages it will be very difficult to determine the best price for your Kia Sportage.

Best discounts on 1996 Kia Sportage coverage

Companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

• Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
• Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
• Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
• Government Employees – Employees or retirees of the government may qualify you for a discount for Sportage coverage with select insurance companies.
• Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.

As a disclaimer on discounts, some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To see a list of providers with the best auto insurance discounts, click this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether your personal situation will benefit from professional help.

• Should I waive the damage coverage when renting a car?
• Should I have a commercial auto policy?
• Do I need added coverage for expensive stereo equipment?
• What is UM/UIM insurance?
• I have a DUI can I still get coverage?
• Is a blown tire covered by insurance?
• Why am I required to buy liability insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage for damage caused while driving under the influence?
• Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Liability – Liability insurance can cover damage that occurs to a person or their property. This coverage protects you against claims from other people. It does not cover 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. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like bail bonds, emergency aid, funeral expenses and medical services. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed, rock chips in glass, theft and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Sportage 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 insurance covers claims such as backing into a parked car, scraping a guard rail, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like ambulance fees, X-ray expenses, prosthetic devices and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible