Cheap 2016 Kia Sportage Insurance Quotes

I can’t think of a single person who likes buying car insurance, particularly when the price is too high. Because you have many online and local companies to choose from, it can be impossible to pick the right car insurance provider.

You need to get comparison quotes every six months because insurance prices are constantly changing. Just because you found the best rate for Sportage insurance two years ago you can probably find a lower rate today. There is a lot of wrong information about car insurance online, but in just a couple of minutes you can learn a bunch of ideas how to find affordable car insurance.

The purpose of this article is to familiarize you with how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Consumers just need to learn the most efficient way to shop online.

Discount auto insurance rates

Companies offering auto insurance don’t always list all their discounts very clearly, so we researched a few of the more well known and the more hidden auto insurance savings.

  • Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for Sportage insurance.
  • Claim-Free Discount – Drivers who don’t have accidents pay less in comparison with accident-prone drivers.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
  • Professional Organizations – Being in specific professional or occupational memberships or organizations can get you a small discount when shopping for auto insurance.
  • Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance for Sportage insurance but check with your company.
  • Defensive Driving Course – Taking a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • College Student Discount – Kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Discounts for Good Drivers – Safe drivers can save up to 40% or more on their insurance quote for Sportage insurance compared to accident prone drivers.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts should help reduce the cost of your policy.

Larger auto insurance companies and some of the discounts are:

  • Travelers policyholders can earn discounts including driver training, early quote, save driver, new car, student away at school, multi-car, and multi-policy.
  • 21st Century may offer discounts for defensive driver, early bird, student driver, theft prevention, driver training, good student, and teen driver.
  • State Farm offers discounts for passive restraint, accident-free, multiple policy, Steer Clear safe driver discount, good driver, good student, and defensive driving training.
  • Geico may include discounts for defensive driver, air bags, five-year accident-free, daytime running lights, anti-theft, and membership and employees.
  • SAFECO offers discounts including anti-lock brakes, accident prevention training, teen safety rewards, drive less, and multi-car.
  • AAA includes discounts for AAA membership discount, pay-in-full, education and occupation, multi-policy, good student, anti-theft, and good driver.

If you need cheaper insurance quotes, ask every prospective company which discounts you may be entitled to. Some credits might not be offered in your area. To view providers that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Do I need rental car coverage?
  • Should I carry comprehensive and collision coverage?
  • What is roadside assistance coverage?
  • Is my camper covered by my car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • What is PIP insurance?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

But they said I’d save $454 a year!

Consumers can’t escape the ads for the lowest price car insurance by State Farm, Geico and Progressive. All the companies convey the message about savings if you move to them.

How does every car insurance company have lower policy pricing? It’s all in the numbers.

Car insurance companies have a preferred profile for the type of customer that will not have excessive claims. An example of a desirable risk might have to be between the ages of 30 and 50, has no claims, and drives less than 10,000 miles a year. Anyone that matches those criteria will get very good auto insurance rates and will most likely save some money.

Potential customers who fall outside the “perfect” profile will get higher premium rates and this can result in the customer not purchasing. The trick companies use is to say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can make claims that they all have the best premium rates.

This really emphasizes why drivers should compare many company’s premium rates. Because you cannot predict which company will have better auto insurance rates than you’re paying now.

Car insurance 101

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, bail bonds, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, doctor visits, surgery, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sportage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Shop Smart and Save

While you’re price shopping online, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage and learned later they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

Low-cost 2016 Kia Sportage insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance coverage companies may not offer the ability to get a quote online and many times these regional carriers only sell through local independent agencies.

More detailed insurance coverage information can be found in these articles: