View 2005 Kia Sportage Insurance Quotes

Looking for lower insurance rates for your Kia Sportage? If you’re looking for lower-cost insurance, do you get confused by the number of insurance providers that you can choose from? You have so many providers available that it can be a difficult situation to find lower prices.

Finding cheaper car insurance coverage is simple if you know the tricks. Essentially every driver who carries car insurance will be able to save money. But vehicle owners need to have an understanding of the way companies price online insurance and use this information to your advantage.

Compare car insurance price quotes online

Comparing car insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

All the larger companies enroll in a system where insurance shoppers send in one quote, and each company provides a quote for coverage. This saves time by eliminating quote forms to every company.

To compare pricing click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose which providers to get pricing from. So if you prefer to pick specific providers for rate comparison, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using the exact same quote information for every quote you compare. If you enter different liability limits it’s impossible to get a fair rate comparison. Just slight variations in limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices helps increase your odds of locating the best offered rates. Some companies don’t provide online rate quotes, so you need to compare price quotes from them as well.

Smaller companies may have the best rates

Car insurance providers like Allstate and Progressive continually stream ads on TV and radio. All the ads state the claim that you can save just by moving your car insurance policy to them. How does each company charge less that you’re paying now? This is the trick they use.

All companies give the best rates for the type of driver that earns them a profit. A good example of a desirable insured may be a mature driver, is a homeowner, and does not commute to work. A driver that fits those parameters will get the preferred auto insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

People who may not quite match those criteria will be charged more expensive rates and this can result in the customer not purchasing. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can make those statements.

That is why you really need to quote coverage with many companies. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

How you can control Kia Sportage insurance rates

A large part of saving on auto insurance is knowing some of the things that help determine the rates you pay for auto insurance. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get big savings.

The items below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Avoid policy lapses – Having a gap between insurance policy dates can be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a revoked license or a big fine.
  • Obey driving laws and save – Even a single ticket may cause rates to rise by twenty percent. Attentive drivers get better rates compared to bad drivers. Drivers unfortunate enough to have flagrant citations such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
  • Cheaper to insure gals? – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women tend to get into auto accidents in similar numbers, but the males tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents so it costs more to insure them.
  • Your address can influence costs – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. People in densly populated areas regularly have more aggressive driving styles and higher rates of accident claims. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims.
  • Premiums are affected by your credit history – Having a bad credit score is a big factor in determining what you pay for auto insurance. If your credit could use some work, you could potentially save money when insuring your 2005 Kia Sportage by improving your rating. Drivers who have excellent credit scores tend to file fewer claims and have better driving records than drivers with bad credit.
  • Save money by raising physical damage deductibles – Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your Kia. Some coverage claims are a broken side mirror, damage caused by hail, and damage caused by flying debris. Comprehensive and collision coverage deductibles define how much you are required to pay before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the bigger discount you will receive on Sportage insurance.
  • Youthful drivers are expensive to insure – Older people are shown to be more cautious, file fewer claims .Young drivers are proven to be careless and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher.

Drivers can save with with these discounts

Some providers do not list all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Bundle and Save – When you combine your homeowners and auto insurance with the same insurance company you may save nearly 15% which can help you find the cheapest car insurance.
  • Good Grades Discount – Excelling in school may save as much as 25% on a car insurance quote. The good student discount can last well after school through age 25.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break on insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
  • Include Life Insurance and Save – Some companies give a break if you buy some life insurance too.
  • Early Switch Discount – Some companies provide a discount for signing up before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Save over 55 – Older drivers are able to get a small decrease in premiums on Sportage insurance.
  • Low Mileage – Fewer annual miles on your Kia can qualify you for lower rates on the low mileage vehicles.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts up to 30%.

Don’t be surprised that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help lower your overall bill.

Large insurance companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau has savings for driver training, good student, 55 and retired, youthful driver, renewal discount, and multi-vehicle.
  • MetLife includes discounts for accident-free, good student, multi-policy, defensive driver, good driver, claim-free
  • Progressive offers discounts for continuous coverage, good student, online signing, homeowner, multi-policy, and multi-vehicle.
  • AAA may offer discounts for pay-in-full, good student, multi-car, AAA membership discount, and anti-theft.
  • American Family may have discounts that include bundled insurance, accident-free, multi-vehicle, good student, air bags, early bird, and good driver.
  • GEICO may include discounts for seat belt use, good student, driver training, military active duty, multi-policy, anti-theft, and multi-vehicle.
  • State Farm offers discounts including safe vehicle, multiple policy, Drive Safe & Save, driver’s education, and good driver.

Before purchasing a policy, check with each insurance company which discounts they offer. Discounts might not be offered in your area. To choose insurance companies that offer some of these discounts, click here.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Should I buy additional glass protection?
  • When should I buy a commercial auto policy?
  • Should I rate my 2005 Kia Sportage as pleasure use or commute?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

Collision insurance will pay to fix damage to your Sportage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, backing into a parked car, hitting a mailbox, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as surgery, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, court costs and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, hail damage, falling objects and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

You can do this!

Throughout this article, we presented many ideas to get a better price on 2005 Kia Sportage insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the most savings is with an unexpected company.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, high prices, high rates after DUI convictions or policy non-renewal. No matter why you want to switch, finding a great new company is not as hard as you think.

Some insurance companies may not have online price quotes and most of the time these small insurance companies provide coverage only through local independent agents. Affordable 2005 Kia Sportage insurance is available online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates.

More information is available at the links below