View 2012 Kia Sportage Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, many consumers feel financially strained by their insurance coverage policy. There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more auto insurance companies makes it harder to compare rates and cut insurance costs.

Buying car insurance is quite easy. If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Vehicle owners only need to know the best way to compare price quotes online.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact car insurance companies provide online access to compare rate quotes. To get started, all you need to do is provide the companies a bit of rating information including how many miles driven, your general credit rating, whether your vehicle is owned or leased, and what you do for a living. The data gets sent immediately to insurance companies and you will receive price estimates with very little delay.

Lower rates by qualifying for discounts

Companies don’t always publicize all available discounts very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Save over 55 – Mature drivers may qualify for reduced rates on Sportage insurance.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Memberships – Being a member of a professional or civic organization may earn a discount on your policy on Sportage insurance.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Sportage insurance than their less cautious counterparts.
  • Accident Free – Good drivers with no accidents pay much less when compared to accident-prone drivers.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Sportage insurance with select insurance companies.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurers who offer insurance coverage discounts, click this link.

Kia Sportage rate determination is complex

It’s important that you understand the factors that come into play when calculating insurance rates. Knowing what influences your rates helps enable you to make changes that could result in better insurance rates.

  • Equipment add-ons that lower insurance rates – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • A lapse in coverage is a bad thing – Driving with no insurance is against the law and insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high insurance rates.
  • Clean credit earns discounts – Credit history is a huge factor in determining your rates. So if your credit is not that good, you could be paying less to insure your 2012 Kia Sportage by repairing your credit. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • Don’t skimp on liability – The liability section of your policy is the coverage that protects you if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Careful drivers pay lower rates – Even one citation can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.

Car insurance is unique, just like you

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. These are some specific questions can help discover if you might need professional guidance.

  • How high should my medical payments coverage be?
  • What if I total my 2012 Kia Sportage and owe more than it’s worth?
  • Should I buy more coverage than the required minimum liability coverage?
  • Where can I find high-risk insurance?
  • When would I need additional glass coverage?
  • When do I need to add a new car to my policy?
  • Can I still get insurance after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Auto liability

This provides protection from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. Liability doesn’t 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. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, structural damage, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for funeral costs, surgery, EMT expenses, chiropractic care and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your 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. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage pays for damage to your Sportage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, crashing into a building, colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

One last thing

Low-cost 2012 Kia Sportage insurance can be found online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just showed you some good ideas how you can get a better price on insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest rates come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to discover later that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.

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