2007 Kia Sportage Car Insurance Quotes – 5 Savings Tips

Searching for cheaper car insurance rates for your Kia Sportage? If price shopping car insurance online is new to you, you may be confused by the hoards of online companies selling insurance.

You should make it a habit to shop coverage around every six months due to the fact that insurance rates change frequently. If you had the lowest price on Sportage insurance two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to properly buy coverages while reducing your premium.

Discounts to lower 2007 Kia Sportage insurance rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied at quote time, but some must be requested specifically in order for you to get them.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums on Sportage insurance.

Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

To see a list of companies with discount insurance rates, click here.

Tailor your coverage to you

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • Should I have combined single limit or split liability limits?
  • What is no-fault insurance?
  • Will my rates increase for filing one claim?
  • Can I rent a car in Mexico?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This pays for damage to your Sportage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, backing into a parked car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability

This can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, loss of income, medical expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for things like chiropractic care, EMT expenses, pain medications and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Make an honest buck

Affordable 2007 Kia Sportage insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds switch companies for many reasons like policy cancellation, an unsatisfactory settlement offer, high prices or denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Throughout this article, we presented quite a bit of information on how to lower your insurance rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the biggest savings come from a small mutual company.

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