2015 Kia Sportage Car Insurance Quotes – 10 Savings Tips

Are you sick and tired of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other consumers. Popular companies such as Progressive, State Farm and Geico all claim big savings with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

It is always a good idea to shop coverage around quite often because rates fluctuate regularly. Just because you found the lowest price on Sportage insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use the internet to find better coverage at a better price.

Fast and Easy Insurance Quotes

Getting a lower price on 2015 Kia Sportage insurance can be relatively painless. Drivers just need to spend a few minutes to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The best way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating separate quotation requests to each individual insurance company. A single form gets you coverage quotes direct from many companies.

A harder way to get quotes online requires visiting each company’s website to complete a price quote. For sake of this example, let’s say you want to compare Progressive, State Farm and Farmers. To get each rate you have to visit each site to enter your coverage information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The most time-consuming way to compare rates is driving around to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the personal advice only provided by licensed agents. It is possible to comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing exactly the same coverages and limits with every price quote. If you compare higher or lower deductibles then you won’t be able to make a fair comparison for your Kia Sportage.

When should I talk to an agent?

When choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Why am I required to buy liability insurance?
  • How high should my medical payments coverage be?
  • Should I rate my 2015 Kia Sportage as pleasure use or commute?
  • When would I need additional glass coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I pay less for low miles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Having a good grasp of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, vandalism and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

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

Collision coverage pays for claims such as crashing into a building, scraping a guard rail, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for bills such as hospital visits, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.