2001 Kia Sportage Car Insurance Cost

Finding low-cost auto insurance can be overwhelming for vehicle owners new to quoting and online price comparisons. With such a large number of agents and companies, how can drivers have a chance to compare all the different companies and get better rates?

It’s important to do rate comparisons on a regular basis because insurance prices fluctuate regularly. Even if you think you had the best deal on Sportage insurance last year the chances are good that you can find a lower premium rate today. Don’t believe everything you read about auto insurance out there, but by reading this article, you’re going to learn the easiest ways to find affordable auto insurance.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Nevertheless, vehicle owners can benefit by having an understanding of how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Compare quotes for car insurance

There are multiple methods you can shop for car insurance and some are easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Many popular insurance companies belong to an insurance system where prospective buyers enter their policy data once, and every company provides a quote for coverage. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is you cannot specify the insurers you want to price. So if you want to choose individual companies to compare rates, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just do your best to enter equivalent coverages for each price quote. If you have different data you can’t possibly get a fair rate comparison. Just slight variations in insurance coverages can result in a big premium difference. Just remember that making a lot of price comparisons helps locate the best rates.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

Do I have coverage for damage caused while driving under the influence?
Do I get a pro-rated refund if I cancel my policy early?
Should I waive the damage coverage when renting a car?
Am I covered when driving on a suspended license?
What is PIP insurance?
Should I file a claim if it’s only slightly more than my deductible?
Which companies will insure high-risk drivers?
Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability

This coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like court costs, attorney fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hail damage, damage from flooding and rock chips in glass. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2001 Kia Sportage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision coverage pays for damage to your Sportage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, hitting a mailbox, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for surgery, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible