2013 Kia Sportage Insurance Quotes – 9 Discounts for Cheaper Rates

Searching for lower insurance rates for your Kia Sportage? Locating low-cost insurance for a Kia Sportage can be difficult, but you can use the following methods to save time.

There is a better way to buy insurance so you’re going to learn the proper way to compare rates on a Kia and obtain the lowest price from local insurance agents and online providers.

Finding more affordable car insurance coverage is quite easy. If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Vehicle owners only need an understanding of how to compare rates on the web.

Discounts to lower 2013 Kia Sportage insurance rates

Insuring your fleet can be pricey, but there are discounts available to cut the cost considerably. Most are applied at the time of quoting, but a few need to be asked about in order for you to get them. If you’re not getting every credit you deserve, you are throwing money away.

  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Sportage insurance depending on your company.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

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

Which Insurance is Cheapest?

Effectively comparing insurance prices can be challenging if you don’t understand the most efficient way to do it. You can spend countless hours driving to insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company can provide price quotes based on that data. This saves time by eliminating quotation requests to every company.

To find out what other companies charge for 2013 Kia Sportage insurance click to open in new window.

The only downside to comparing rates this way is that you can’t choose which companies to get quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

Whichever way you use, double check that you are using apples-to-apples coverage limits and deductibles with each company. If you have differing limits it will be impossible to make a fair comparison for your Kia Sportage.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • Do I need replacement cost coverage?
  • When should I drop full coverage on my 2013 Kia Sportage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Which companies will insure high-risk drivers?
  • Is there coverage for injuries to my pets?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I buy only the required minimum liability coverage?
  • Should I have a commercial auto policy?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they 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 carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Auto liability – This provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, court costs and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

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

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, X-ray expenses and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

Drivers change insurance companies for many reasons like high rates after DUI convictions, unfair underwriting practices, policy cancellation or even delays in paying claims. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Budget-conscious 2013 Kia Sportage insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone dropped collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional car insurance information can be read on the following sites: