View 2002 Kia Sportage Insurance Quotes

Do you get exhausted from paying out the nose to pay high insurance rates every month? Your situation is no different than the majority of other people. Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the definite best rate

If you are insured now or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers only need to know the most effective way to shop for insurance coverage online.

How much is auto insurance?

There are a lot of ways to compare auto insurance prices but there is one way that is more efficient than others. You can spend your afternoon driving to agents in your area, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies participate in an industry program where prospective buyers submit one quote, and each company can give them a price determined by their information. This saves time by eliminating repetitive form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to getting quotes like this is that you can’t choose which carriers to get quotes from. So if you want to choose individual companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep nearly identical coverage data with each company. If you use differing limits you can’t possibly make an equal comparison.

Insurance policy discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not know about. Certain discounts will be applied at the time of purchase, but less common discounts must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

Active Service Discounts – Being deployed in the military could mean lower rates.
Cautious Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on Sportage coverage compared to accident prone drivers.
Renewal Discounts – Some larger companies give discounts for switching to them before your current coverage expires. This discount can save up to 10%.
Multi-policy Discount – If you can combine your auto and home policy with one company you could save up to 20% and get you affordable car insurance.
Claim-Free Discount – Good drivers with no accidents pay much less when compared to bad drivers.
Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
Professional Memberships – Participating in a qualifying organization could trigger savings on your next renewal.
Multi-line Discount – Insurance companies who offer life insurance give a lower insurance rate if you buy auto and life insurance together.

Drivers should understand that most credits do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and some of the premium reductions they offer are:

American Family has savings for multi-vehicle, accident-free, bundled insurance, Steer into Savings, air bags, mySafetyValet, and TimeAway discount.
Farm Bureau has discounts for good student, 55 and retired, safe driver, multi-vehicle, youthful driver, renewal discount, and driver training.
State Farm includes discounts for driver’s education, anti-theft, student away at school, safe vehicle, Steer Clear safe driver discount, and multiple policy.
Travelers discounts include home ownership, student away at school, IntelliDrive, driver training, continuous insurance, multi-policy, and payment discounts.
The Hartford may have discounts that include bundle, defensive driver, vehicle fuel type, driver training, air bag, anti-theft, and good student.
GEICO may include discounts for driver training, emergency military deployment, anti-theft, five-year accident-free, anti-lock brakes, and seat belt use.
Progressive offers premium reductions for continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, and good student.

If you need affordable car insurance quotes, ask each company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To find insurance companies that offer some of these discounts, click here.

How do I know if I need professional advice?

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

What exactly is covered by my policy?
Am I covered when using my vehicle for business?
Does my medical payments coverage pay my health insurance deductible?
What is an SR-22 filing?
Are my friends covered when driving my car?
Can I rate high risk drivers on liability-only vehicles?
When would I need additional glass coverage?
Does my 2002 Kia Sportage need full coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Learn about insurance coverages for a 2002 Kia Sportage

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Coverage for collisions

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

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, medical services, legal defense fees and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, hospital visits, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart shoppers get results

Some insurance companies may not have rate quotes online small, regional companies prefer to sell through independent agents. Cheaper insurance is possible on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.

We just showed you a lot of ways to reduce 2002 Kia Sportage insurance rates online. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with some of the smallest insurance companies. They can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.