1998 Kia Sportage Insurance Rates

Want the cheapest insurance rates for your Kia Sportage? Are you drained from sacrificing other expenses to pay your insurance bill each month? You are no different than many other consumers. With vehicle owners having so many companies and agents to choose from, it can be diffult for drivers to pick the cheapest insurance provider.

This information will introduce you to how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers only need an understanding of the tricks to shop their coverage around online.

Find discounts to get cheap insurance coverage quotes

Some providers do not list every possible discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Drive Less and Save – Fewer annual miles on your Kia may allow you to get slightly better premium rates than normal.
  • Responsible Driver Discount – Insureds without accidents could pay up to 40% less for Sportage coverage than drivers with accidents.
  • E-sign Discounts – Certain larger companies give back up to $50 for completing your application on their website.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Military Discounts – Being on active deployment in the military can result in better premium rates.
  • Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% for Sportage coverage with some insurance coverage companies.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts should help reduce the amount you pay for coverage.

A few of the larger companies and some of the premium reductions they offer are:

  • State Farm offers premium reductions for Steer Clear safe driver discount, Drive Safe & Save, student away at school, good driver, good student, and multiple autos.
  • GEICO policyholders can earn discounts including anti-lock brakes, military active duty, membership and employees, good student, seat belt use, anti-theft, and daytime running lights.
  • SAFECO has savings for teen safe driver, anti-theft, homeowner, drive less, anti-lock brakes, bundle discounts, and multi-car.
  • Farmers Insurance may offer discounts for youthful driver, business and professional, mature driver, teen driver, and distant student.
  • AAA discounts include AAA membership discount, anti-theft, good student, multi-car, good driver, pay-in-full, and multi-policy.
  • USAA offers discounts for defensive driver, multi-policy, driver training, loyalty savings, good student, and vehicle storage.

Double check with all companies you are considering to apply every possible discount. A few discounts may not be available in your area.

Ways to get insurance quotes

There are a lot of ways to shop for insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Many of the larger companies enroll in a system that enables customers to complete one form, and each company returns a competitive quote based on that data. This system prevents you from having to do repetitive form submissions to each company.

To compare rates using this form now click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use nearly identical coverage limits and deductibles with each company. If the quotes have unequal deductibles or liability limits you will not be able to make an equal comparison.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need motorclub coverage?
  • What companies insure drivers after a DUI or DWI?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, vandalism and falling objects. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, nursing services, hospital visits, chiropractic care and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is 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 can pay for claims such as structural damage, attorney fees and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage covers 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 things like scraping a guard rail, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Kia Sportage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

One last thing about your coverage

Cheaper 1998 Kia Sportage insurance is attainable from both online companies as well as from insurance agents, so you need to quote insurance with both to have the best selection. Some companies may not offer price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

We covered a lot of ways to get a better price on 1998 Kia Sportage insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small local company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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