Lower Your 2001 Kia Sportage Insurance Quotes

Are you overwhelmed by the number of insurance options? Lot’s of other consumers are too. Drivers have so many options that it can turn into more work than you anticipated to find the best price.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. The purpose of this article is to tell you how to get online quotes. Although consumers do need to know how the larger insurance companies sell insurance online and apply this information to your search.

Quick Car Insurance Quotes

There are a lot of ways you can shop for car insurance but some are less time-consuming than others. You could spend your day talking about coverages with agents in your area, or you can utilize the internet to get the quickest rates.

Many popular insurance companies enroll in a system where insurance shoppers enter their policy data once, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quotation requests for every car insurance company.

To compare 2001 Kia Sportage rates now click here to start a free quote.

The only drawback to doing it this way is you are unable to specify which carriers to get pricing from. If you would rather choose individual companies for rate comparison, we put together a list of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same quote information on every quote. If your comparisons have different values for each quote it will be impossible to find the best deal for your Kia Sportage. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that having more price comparisons helps you find the best offered rates.

Can you really save that much by switching?

Companies like Geico, State Farm and Progressive consistently run ads in print and on television. All the ads make an identical promise of big savings if you change to their company. How does each company say the same thing? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be profiled as over the age of 40, has no driving citations, and drives newer vehicles. Any driver who matches those parameters will get very good rates and most likely will save a lot of money.

Consumers who do not match the “perfect” profile will have to pay a more expensive rate and ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings. Because of the profiling, it is so important to get as many comparisons as possible. It’s not possible to predict which auto insurance company will provide you with the cheapest Kia Sportage insurance rates.

Kia Sportage insurance rates are influenced by…

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance coverage. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better insurance coverage rates.

Shown below are some of the factors used by your company to calculate rates.

  • Liability coverage protects you – Your policy’s liability coverage provides coverage if you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men have accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Too many insurance coverage claims drive up costs – Insurance companies provide discounts to drivers who do not file claims often. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use saves money – The more you drive in a year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than those used for commuting. Improper usage on your Sportage may be costing you. Double check that your insurance coverage policy properly reflects the correct driver usage.
  • Pay less if you’re married – Having a wife or husband can get you a discount on your insurance coverage policy. It means you’re more responsible and it’s statistically proven that married couples file fewer claims.
  • Little extras can really add up – There are a ton of extra bells and whistles you can purchase on your insurance coverage policy. Things like vanishing deductibles, better glass coverage and membership fees are some examples. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you. If the Kia Sportage has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

Cut prices on Kia Sportage insurance

Car insurance companies do not list all their discounts very clearly, so we break down some of the best known and also the lesser-known discounts you could be receiving.

  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Sportage coverage with select insurance companies.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break on insurance on Sportage coverage.

Keep in mind that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies that possibly offer these discounts include:

Check with every prospective company how you can save money. Discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Is my camper covered by my car insurance policy?
  • What is the ISO rating for a 2001 Kia Sportage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What happens if I owe more than my 2001 Kia Sportage is worth?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as dental work, prosthetic devices, hospital visits, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different 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 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, pain and suffering, emergency aid and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Stretch your dollar

People who switch companies do it for a variety of reasons including denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big mistake. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Budget-conscious 2001 Kia Sportage insurance is definitely available on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance coverage companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information is available by following these links: