2010 Kia Sportage Car Insurance Rates – 5 Ways to Save

Searching for lower insurance rates? Consumers have a choice when looking for low-cost Kia Sportage insurance. You can either waste hours struggling with agents getting price quotes or use the internet to compare rates.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to compare rates on a Kia and find the cheapest rates.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Sportage coverage with a few car insurance companies.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Resident 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.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So when the math indicates you could get a free car insurance policy, companies don’t profit that way. But any discount will cut your premiums.

To see a list of companies with discount car insurance rates, click this link.

Situations that might require an agent

When it comes to buying coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine whether you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Is my trailer covered?
  • Does my 2010 Kia Sportage qualify for pleasure use?
  • What vehicles should carry emergency assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy only the required minimum liability coverage?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole, crashing into a building, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, pain medications, nursing services, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Spend less. Save more.

People leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, poor customer service and lack of trust in their agent. It doesn’t matter what your reason, finding a new auto insurance company can be easy and end up saving you some money.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability coverage limits only to regret they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the best price.

In this article, we presented a lot of techniques to lower your 2010 Kia Sportage insurance rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies.

To learn more, link through to the resources below: