How Much Does 1995 Kia Sportage Car Insurance Cost?

Finding better insurance prices for a Kia Sportage could be a painful process, but you can use a few tricks and make it easy.

There is a better way to find insurance coverage online and we’ll show you the quickest way to get price quotes for a new or used Kia and get the best price possible from local insurance agents and online providers.

It’s a great practice to compare prices once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best deal for Sportage coverage at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn how to quote online to remove unneeded coverages and save money.

Get cheap rates with these discounts

Some companies don’t always publicize all disounts very clearly, so here is a list some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
  • Own a Home – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage for Sportage coverage but check with your company.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Driver Safety – Completing a defensive driver class could save 5% or more depending on where you live.
  • Safe Driver Discount – Accident-free drivers may receive a discount up to 45% for Sportage coverage than less cautious drivers.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with substantially lower premium rates.
  • One Accident Forgiven – but a handful of insurance companies will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Good Students Pay Less – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A partial list of companies who might offer most of the discounts above include:

When getting a coverage quote, ask each insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply everywhere.

Insurance coverage can be complex

When choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Can I afford to buy a different vehicle if my 1995 Kia Sportage is totaled?
  • Do I need roadside assistance coverage?
  • What happens if I owe more than my 1995 Kia Sportage is worth?
  • Does coverage extend to Mexico or Canada?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, rehabilitation expenses, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from flooding, damage from getting keyed and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – This coverage pays for damage to your Sportage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sportage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Don’t break the bank

Budget-conscious 1995 Kia Sportage insurance is attainable from both online companies in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents.

Consumers change insurance companies for any number of reasons including policy non-renewal, delays in responding to claim requests, unfair underwriting practices and high prices. Whatever your reason, finding the right insurance coverage provider can be pretty painless.

We just showed you some good ideas how to lower your 1995 Kia Sportage insurance rates. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. Drivers may discover the lowest rates are with a lesser-known regional company.

More tips and info about insurance coverage can be read in the articles below: