2009 Kia Sportage Insurance Quotes

Looking for better insurance rates for your Kia Sportage? Having to pay for overpriced Kia Sportage insurance can empty your savings account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. You have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

This article will instruct you on how to get online quotes. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to understand the tricks to find the lowest price online.

Discounts are basically free money

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied when you quote, but some may not be applied and must be manually applied in order for you to get them. If you don’t get every credit available, you are throwing money away.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy qualifies for this discount.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Own a Home – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Sportage coverage depending on your company.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

Companies that may offer these money-saving discounts include:

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

Impacting insurance rates for a Kia Sportage

An important part of buying insurance is that you know the rating factors that help determine the price you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. They both are in accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for damages from an accident. It will provide you with a defense in court starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Traffic violations increase rates – Your driving record has a big impact on rates. Good drivers have lower premiums than bad drivers. Even one ticket can increase rates by twenty percent. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Poor credit can mean higher rates – Your credit rating is a huge factor in calculating your car insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit score can use some improvement, you could be paying less to insure your 2009 Kia Sportage by improving your rating.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • High numbers of claims are not good – If you file claims often, you can look forward to higher rates. Auto insurance companies provide discounts to policyholders who file claims infrequently. Insurance coverage is intended for larger claims.
  • Consolidate policies to earn discounts – Many companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates. If the Kia Sportage has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Which insurance is the “right” coverage?

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions might point out whether or not you could use an agent’s help.

  • Am I covered if I hit a deer?
  • When should I drop full coverage on my 2009 Kia Sportage?
  • What is PIP insurance?
  • Is my custom paint covered by insurance?
  • When do I need to add a new car to my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability coverage do I need in my state?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverages explained

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical expenses, structural damage, funeral expenses, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Sportage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like hospital visits, ambulance fees, EMT expenses, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Kia Sportage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, damage from flooding and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In the end, you save

Low-cost 2009 Kia Sportage insurance is definitely available online in addition to many insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered a lot of tips how to shop for insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the lesser-known companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Additional learning opportunities