2002 Kia Sportage Car Insurance Cost

Consumers have lots of choices when looking for affordable Kia Sportage insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to compare insurance coverage rates so you’re going to learn the quickest way to compare rates for your Kia and locate the best price possible from both online companies and local agents.

You need to check insurance coverage prices before your policy renews since rates are variable and change quite frequently. Just because you had the best deal for Sportage insurance on your last policy you can probably find a better price now. Starting now, block out anything you think you know about insurance coverage because you’re about to learn the easiest way to find better rates and still maintain coverage.

Kia Sportage rates are complex

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

Shown below are a partial list of the pieces car insurance companies consider when setting premiums.

  • Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as lawyers, business owners and financial analysts have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, occupations like actors, engineers and performers get better rates for Sportage insurance.
  • Marriage brings a discount – Being married can get you a discount when buying car insurance. Having a significant other translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Credit scores impact car insurance rates – A driver’s credit score is a large factor in calculating your car insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower ratings. So if your credit rating is low, you could potentially save money when insuring your 2002 Kia Sportage by improving your rating.
  • Poor driving leads to higher costs – Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Teen drivers pay high rates – Youthful drivers tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Frequent car insurance claims increase rates – If you file claims often, you can pretty much guarantee higher rates. Companies award lower rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.

Insurance Coverage Quote Comparison

Cutting your insurance coverage rates is not rocket science. All you need to do is spend a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual insurance coverage company. Taking the time to complete one form gets you coverage quotes instantly. Just one form and you’re done.
  • A slightly less efficient method to get comparison quotes requires a trip to each company’s website to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from Farmers, State Farm and GMAC. You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

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

  • The least recommended way to get comparison rates is driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice only provided by licensed agents. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits on every quote you get. If you use different values for each quote you can’t possibly find the best deal for your Kia Sportage.

Be sure to get all your discounts

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are throwing money away.

  • Military Rewards – Having a family member in the military can result in better rates.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • New Car Discount – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Own a Home – Owning a house may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Sportage insurance than their less cautious counterparts.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies that may offer these discounts are:

Double check with each company how you can save money. All car insurance discounts may not apply in every state.

How do I know if I need professional advice?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Does my policy cover my teen driver if they drive my company car?
  • Can my babysitter drive my car?
  • What happens if I owe more than my 2002 Kia Sportage is worth?
  • Why do I only qualify for high-risk insurance?
  • Is my dog or cat covered if injured in an accident?
  • What vehicles should carry emergency assistance coverage?
  • What is PIP insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, hospital visits, rehabilitation expenses, pain medications and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability – Liability insurance protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as medical services, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

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

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

One last thing about your coverage

The cheapest 2002 Kia Sportage insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Drivers switch companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, not issuing a premium refund and even policy non-renewal. Whatever your reason, choosing a new company can be easy and end up saving you some money.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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