2000 Kia Sportage Insurance Quotes

No normal person is fond of buying car insurance, especially when they are aware that they could find better prices if they shop around.

There are many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, having more car insurance companies makes it harder to get the best deal.

How much is car insurance?

All the larger car insurance companies allow consumers to get coverage prices online. Comparing prices online is fairly simple because you just enter your coverage preferences as detailed in the form. Upon sending the form, their quoting system will obtain credit information and your driving record and returns a price quote based on the data you entered. Online price quotes simplifies rate comparisons, but having to visit multiple sites and type in the same data is not the best way to spend an afternoon. But it’s also necessary to have as many quotes as possible in order to get the lowest possible prices on car insurance.

There is an easier way to compare rates

A better way to find better car insurance pricing uses just one form that analyzes rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes comparison shopping a lot less work. After your information is entered, it gets priced and you are able to buy any or none of the pricing results.

If you find a better price you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and may result in a nice savings.

To save time and use this form to compare rates, click here and submit your coverage information. To compare your current rates, we recommend you copy your coverages just like they are on your policy. This makes sure you will have rate comparison quotes for similar insurance coverage.

Find discounts to get cheap auto insurance rates

Auto insurance is expensive, but discounts can save money and there are some available that you may not even know about. A few discounts will automatically apply at quote time, but once in a while a discount must be specifically requested before you get the savings.

  • Federal Employees – Federal government employees may qualify for a discount when you quote insurance on Sportage coverage depending on your company.
  • Telematics Discount – Drivers who agree to allow data collection to spy on driving habits by using a telematic data system like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
  • Active Service Discounts – Being deployed in the military could mean lower premium rates.
  • Own a Home and Save – Owning a home can earn you a little savings because maintaining a house demonstrates responsibility.
  • Good Students Pay Less – This discount could provide a savings of up to 20% or more. The good student discount can last until age 25.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

The best auto insurance companies and some of the premium reductions they offer are shown below.

  • Mercury Insurance includes discounts for anti-theft, location of vehicle, professional/association, multi-car, type of vehicle, and age of vehicle.
  • Farmers Insurance policyholders can earn discounts including distant student, pay in full, good student, business and professional, multi-car, mature driver, and early shopping.
  • Farm Bureau offers discounts including driver training, safe driver, renewal discount, good student, multi-vehicle, and 55 and retired.
  • State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, good driver, student away at school, passive restraint, and defensive driving training.
  • Allstate discounts include EZ pay plan discount, farm vehicle, FullPay discount, good student, eSmart discount, and anti-lock brakes.
  • GEICO offers discounts for anti-theft, defensive driver, driver training, air bags, federal employee, and five-year accident-free.

When quoting, ask each insurance company what discounts are available to you. All car insurance discounts may not apply to policies everywhere. If you would like to choose from a list of auto insurance companies offering auto insurance discounts, click here to view.

Kia Sportage insurance premiums can be lower

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are not as apparent like where you live or your commute time.

Shown below are some of the items used by companies to determine your premiums.

  • Premiums drop with age – Drivers with little experience tend to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers are proven to be safer behind the wheel, file fewer claims and tend to be get fewer driving tickets.
  • Choose high crash test ratings and save – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Kia has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Consider raising physical damage deductibles – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some coverage claims are a broken side mirror, vandalism, or theft. Comprehensive and collision coverage deductibles define the amount you are willing to pay if a claim is determined to be covered. The more of the claim you’re willing to pay, the better rate you will receive on Sportage coverage.
  • Don’t skimp on liability insurance – Your policy’s liability coverage is the protection if you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you live – Having an address in a small town can save you money when it comes to car insurance. Drivers who live in large cities regularly have more road rage incidents and more severe claims. Less people living in that area means reduced accidents.
  • Too many insurance claims will drive car insurance rates up – If you tend to file frequent claims, you can expect higher rates. Car insurance companies give better rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for claims that pose a financial burden.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Why am I required to buy liability insurance?
  • What is PIP insurance?
  • Do I need motorclub coverage?
  • Am I getting all the discounts available?
  • When should my teen driver be added to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Smaller companies may have the best rates

State Farm and Allstate endlessly run television and radio advertisements. They all seem to make an identical promise about how much you will save if you switch your auto insurance policy to them. Is it even possible that every company can give you a lower rate? Here is how they do it.

Different companies have specific characteristics for the type of driver that makes them money. One example of a preferred risk may be between the ages of 40 and 55, has other policies, and drives a lower-performance vehicle. A customer who matches that profile will get a cheap rate quote and most likely will save money with a new company.

Potential insureds who don’t measure up to the requirements will be charged a more expensive rate with the end result being business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can state the savings.

This illustrates why you really need to compare as many free insurance quotes as you can. It’s impossible to know with any certainty which company will have the best car insurance rates for your profile.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for nursing services, doctor visits, EMT expenses, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sportage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, vandalism and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, legal defense fees, repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Sportage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, crashing into a ditch, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Save your cold hard cash

Budget-friendly car insurance can be purchased from both online companies as well as from insurance agents, so you need to shop insurance with both to have the best selection. A few companies do not offer rate quotes online and these regional insurance providers work with independent agents.

You just learned a lot of information how to get a better price on 2000 Kia Sportage insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

More detailed car insurance information can be read at these sites: