1996 Kia Sportage Insurance Quotes

Looking for lower insurance coverage rates for your Kia Sportage? Do you think you bought an expensive insurance coverage policy? Believe me when I say you’re not alone. Numerous car insurance companies battle for your business, so it can be very hard to choose a insurance company to find the absolute best price available.

It’s a good idea to do price comparisons before your policy renews because insurance coverage prices are adjusted regularly by insurance companies. If you had the best deal for Sportage insurance last year there is a good chance you can find better rates now. Block out anything you think you know about insurance coverage because you’re about to find out the tricks you need to know to find great coverage at a great price.

What impacts Kia Sportage insurance premiums?

Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent like where you live or your financial responsibility.

  • Drivers with high credit save on insurance coverage – Having a bad credit score will be a significant factor in calculating your premium rate. Consumers who have high credit scores tend to be more responsible than those with poor credit scores. If your credit could use some work, you could potentially save money when insuring your 1996 Kia Sportage by taking the time to improve your credit score.
  • The more you drive the more you pay – The more miles you rack up on your Kia every year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates compared to those used for work or business. It’s always a good idea to double check that your insurance coverage policy properly reflects how each vehicle is driven. An incorrectly rated Sportage can result in significantly higher rates.
  • Rural areas have lower premiums – Living in less populated areas is a positive aspect when trying to find low car insurance rates. People in densly populated areas tend to have more auto accidents and longer commutes to work. Fewer people translates into fewer accident claims.
  • Your employer can affect premiums – Do you work in a high-stress field? Occupational choices like fire fighters, architects and miners usually pay higher average rates because of high stress levels and long work hours. Conversely, professions such as farmers, athletes and performers generally pay rates lower than average for Sportage insurance.

How to get insurance coverage price quotes

Effectively comparing insurance coverage prices can take time and effort if you don’t know the best way to get rate quotes. You can waste a lot of time driving to insurance agencies in your area, or you could use online quotes to achieve your goal.

Most of the best insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each company provides a quote for coverage. This eliminates the need for repetitive form submissions to every company. To enter your information into the quoting system, click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose which insurance companies you want pricing from. If you would rather choose individual companies for rate comparison, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you compare exactly the same coverage limits for each comparison quote. If each company quotes different values for each quote it will be nearly impossible to truly determine the lowest rate.

Car insurance policy discounts you can’t miss

Some insurers don’t necessarily list every disount available in an easy-to-find place, so the following is a list of a few of the more common and the more hidden credits available to bring down your rates.

  • Discounts for New Vehicles – Insuring a new car can save up to 30% because newer vehicles are generally safer.
  • Cautious Driver Discount – Insureds who avoid accidents could pay up to 40% less for Sportage insurance than less cautious drivers.
  • Life Insurance Discount – Select insurance carriers reward you with a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction for Sportage insurance depending on your company.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Professional Memberships – Belonging to certain professional organizations could qualify you for a break on your policy.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a home can get you a discount since home ownership shows financial diligence.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, nobody gets a free ride.

Larger car insurance companies and some of the premium reductions they offer are shown below.

  • 21st Century offers discounts including teen driver, anti-lock brakes, air bags, driver training, 55 and older, defensive driver, and automatic seat belts.
  • State Farm has discounts for Steer Clear safe driver discount, good driver, student away at school, anti-theft, Drive Safe & Save, multiple autos, and defensive driving training.
  • AAA may offer discounts for anti-theft, education and occupation, good driver, pay-in-full, and multi-policy.
  • Liberty Mutual discounts include multi-car, newly retired, safety features, good student, and new graduate.
  • Progressive offers discounts for good student, online signing, continuous coverage, homeowner, multi-vehicle, online quote discount, and multi-policy.

When getting a coverage quote, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of insurers with significant discounts, follow this link.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • Should I carry comprehensive and collision coverage?
  • Where can I find high-risk insurance?
  • Does car insurance cover theft of personal property?
  • Do I really need UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when using my vehicle for business?
  • Do I need higher collision deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, doctor visits and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Sportage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer, hail damage, damage from getting keyed and theft. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims. It does not 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. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, medical services, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

More comparisons equals lower rates

As you shop your coverage around, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped full coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cheap 1996 Kia Sportage insurance is possible online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies don’t offer the ability to get a quote online and these small insurance companies only sell through local independent agencies.

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