How Much Does 2017 Kia Sportage Insurance Cost?

No sane person likes buying car insurance, especially when they know they could find better prices if they shop around.

Insurance companies such as Allstate, Progressive and Geico persitently shower you with advertising and it can be hard to ignore the flashy ads and find the best price available.

It’s important to take a look at other company’s rates every six months because prices change frequently. Despite the fact that you may have had the best rate on Sportage insurance at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about car insurance because we’re going to demonstrate how to use the internet to find great coverage at a great price.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is easy if you know what you’re doing. But drivers need to learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.

First Step: Get free insurance quotes

All major insurance companies give prices direct online. Comparing prices online is easy for anyone as you just enter the coverages you want into a form. Once entered, their rating system will order your driving and credit reports and generates pricing information based on many factors. This streamlines rate comparisons, but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible if you want to get the lowest insurance rates.

There is a better way!

A quicker way to compare rates utilizes a single form to return rates from a lot of companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much more enjoyable. As soon as the form is sent, it is rated and you can select any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in the coverage information exactly as they are listed on your policy. This guarantees you will get rate quotes based on identical coverages.

Advertising myths

Popular insurance providers such as State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. All the ads state the claim that drivers can save some big amount if you get a free car insurance quote and switch your insurance policy to them. Is it even possible that every company can offer you a better deal? It’s all in how they say it.

Insurance companies give the best rates for the driver that will generate a profit. For instance, a desirable risk might have to be over the age of 50, has no driving citations, and the vehicle is rated for pleasure use. Any driver who meets those qualifications will probably get cheap car insurance rates and most likely will pay quite a bit less when switching companies.

People who don’t qualify for the requirements will probably have to pay higher prices which leads to the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can save as much as they claim. This is how companies can make those claims.

This really drives home the point why it’s extremely important to compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will have the best rates at this point in time.

Lower your insurance rates

Many things are considered when you quote your car insurance policy. Some are obvious such as your driving record, but others are not quite as obvious like your vehicle usage or how financially stable you are.Part of the car insurance buying process is learning the rating factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower car insurance prices.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your prices.

Costs impacted by your city – Residing in a small town can save you money when trying to find low car insurance rates. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft. City drivers tend to have much more traffic and longer commutes to work. Spending more time driving translates into higher accident risk.
Don’t let your car insurance lapse – Having a lapse in insurance coverage can be a guaranteed way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
Premiums are affected by your credit rating – Having a bad credit score is a big factor in your rate calculation. Insureds that have very high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. So if your credit leaves room for improvement, you could save money insuring your 2017 Kia Sportage by taking the time to improve your credit score.
How much liability protection do you need? – Your policy’s liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. This coverage provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
Cheaper premiums with safer cars – Vehicles with high crash test scores get lower rates. The safest vehicles reduce the chance of injuries and lower injury rates translates directly to fewer claims which can result in lower premiums.
Single drivers take more risk – Being married actually saves money on your car insurance policy. Having a significant other means you’re more financially stable and it’s proven that being married results in fewer claims.
Small coverages can add up – Policies have additional extra coverages that can add up if you aren’t careful. Coverages like personal injury protection, death and dismemberment, and term life insurance could be just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so remove them from your policy.
Men pay higher premiums – The statistics show females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Females and males are responsible for auto accidents in similar percentages, but males get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving. Male teenagers generally have the highest accident percentage and thus pay the highest rates.

Car insurance companies offer many types of discounts

Some insurance providers don’t always advertise all possible discounts very well, so the following is a list of a few of the more common as well as the least known discounts that may be available.

Telematics Data – Drivers that enable driving data collection to study vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
No Accidents – Drivers with accident-free driving histories get the best car insurance rates as opposed to drivers with a long claim history.
Defensive Driver Discount – Passing a course in defensive driver could save 5% or more if you qualify.
Sign Early and Save – A few car insurance companies offer discounts for buying a new policy before your current coverage expires. This can save 10% or more.
Smart Student Discounts – A discount for being a good student may save you up to 25%. You can use this discount normally well after school through age 25.

A quick disclaimer, many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down the cost of your policy.

To see a list of insurance companies that offer some of these discounts, follow this link.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

Is my Kia Sportage covered if I use it for business?
Does liability extend to a camper or trailer?
Am I covered when driving someone else’s vehicle?
What is PIP insurance?
Are rental cars covered under my policy?
Does my car insurance cover rental cars?
Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, surgery, dental work and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2017 Kia Sportage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision – This pays for damage to your Sportage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

At the end of the day…

Lower-priced 2017 Kia Sportage insurance is available from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide online rate quotes and usually these smaller providers only sell through local independent agencies.

We’ve covered a lot of tips how to get a better price on 2017 Kia Sportage insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive car insurance. Consumers could even find that the biggest savings come from the smaller companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.