Lower Your 1999 Kia Sportage Insurance Cost

Trying to find better insurance coverage rates for your Kia Sportage? Purchasing low-cost insurance coverage may at first seem to be impossible for vehicle owners that are not comfortable with quoting and comparing prices over the internet. With so many agents and companies in the marketplace, how can drivers have time to compare every company to locate the cheapest available price?

Choosing the best insurance company for you is quite easy. Just about every driver who is shopping for insurance coverage will more than likely be able to lower their premiums. But drivers must know the way insurance companies price insurance differently because it can help you find the best coverage.

How much is insurance coverage?

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company can give them a price. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click to open in new window.

The only downside to getting quotes like this is you are unable to specify the providers to get quotes from. If you would rather choose from a list of companies to receive pricing from, we have a page of low cost insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical coverages for each comparison quote. If you enter unequal deductibles or liability limits then you won’t be able to get a fair rate comparison. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that obtaining a wide range of quotes will increase your chances of finding a lower rate than you’re paying now.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether you could use an agent’s help.

Do I need replacement cost coverage?
When do I need to add a new car to my policy?
Does having multiple vehicles earn me a discount?
Why is insurance for a teen driver so high?
Does car insurance cover theft of personal property?
Does my insurance cover damage caused when ticketed for reckless driving?
Is business property covered if stolen from my car?
When does my teenage driver need to be added to my policy?
Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle and fire damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income, emergency aid, funeral expenses and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.