2006 Kia Sportage Car Insurance Quotes

Trying to come up with a payment for pricey car insurance can overdraw your family’s budget and make it hard to pay other bills. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

You have so many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, lots of choices makes it harder to find a good deal.

Finding the best rates is not that difficult. If you currently have car insurance, you will most likely be able to save some money using these tips. Drivers just need to learn how to compare prices online.

How to shop insurance online

Lowering your 2006 Kia Sportage insurance rates is a great way to save money. Drivers just need to spend a little time to compare free auto insurance quotes to discover which company has cheaper auto insurance quotes. This is very easy and can be done in several different ways.

One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for separate quotation requests for each company you want a rate for. Completing one form will get you price quotes direct from many companies.

A harder way to obtain and compare quotes online is spending the time to visit the website for every company you want to comare and repeat the quote process. For instance, we’ll assume you want to compare Nationwide, Farmers and Travelers. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare the exact same coverage data for every quote you compare. If you are comparing different deductibles you can’t possibly determine which company has the best rates.

Don’t be fooled by advertising claims

Consumers can’t escape the ads for insurance savings by companies like Allstate, GEICO and Progressive. All the ads make the same claim that drivers can save some big amount just by switching your insurance coverage to their company.

How can each company say the same thing?

Most companies have an ideal profile for a prospective insured that earns them a profit. A good example of a desirable insured could possibly be married and over the age of 30, has a low-risk occupation, and does not commute to work. A customer who fits that profile will get the preferred prices and will save a lot of money.

Drivers who cannot meet these standards will be quoted a more expensive rate and this results in business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently state the savings. This really emphasizes why it is so important to compare rate quotes every year. Because without a comparison, you cannot know the company that will have the lowest rates.

Learn how to buy insurance cheaper

Multiple criteria are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although some other factors are less obvious like your vehicle usage or your commute time.An important part of buying insurance is that you know a few of the rating criteria that aid in calculating your insurance rates. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes some of the most rate-impacting factors used by insurance companies to determine your rates.

  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy. If your Kia Sportage scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Women tend to be lower risk – Statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. They both get in fender benders at a similar rate, but the men have accidents that have higher claims. Men also tend to receive more major tickets like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Amount of liability protection – A critical coverage on your policy, liability insurance is the coverage that protects you if you are responsible for physical damage or personal injury to other. Your liability coverage provides legal defense coverage to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Consolidate policies to earn discounts – Many companies will give discounts to policyholders that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount consumers should still comparison shop to help ensure you have the lowest rates. You may still find better rates by buying insurance from a different company.
  • City dwellers may pay more – Being located in a small town can save you money when talking about insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people means less chance of accidents in addition to fewer liability claims.
  • Drive less and pay lower prices – The more miles you rack up on your Kia in a year’s time the higher your rate. Most insurance companies calculate rates based upon how much you drive. Cars and trucks left parked in the garage get more affordable rates than cars that get driven a lot. Incorrect rating for your Sportage may be costing you higher rates. It’s always a good idea to double check that your insurance coverage is showing the correct usage, because it can save money.

Auto insurance discounts are available to slash your rates

Auto insurance can be pricey, but you can get discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Sign Early and Save – Some auto insurance companies give discounts for buying a policy prior to the expiration date on your current policy. It can save you around 10%.
  • Multiple Vehicles – Buying insurance for more than one vehicle on the same auto insurance policy can reduce rates for all insured vehicles.
  • Defensive Driver Discount – Taking part in a course teaching driver safety skills could earn you a small percentage discount depending on where you live.
  • Telematics Devices – Drivers who agree to allow their company to scrutinize where and when they drive by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Club Memberships – Having an affiliation with a civic or occupational organization could trigger savings on auto insurance.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
  • Paperless Signup – Some of the larger companies provide a small discount for completing your application on their website.
  • Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% for Sportage insurance as compared to drivers with claims.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, that’s just not realistic.

Car insurance companies that have most of the discounts above are:

Before buying, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in every state. To find insurance companies with significant discounts, click here to view.

Everyone needs different auto insurance coverages

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Do I pay less if my vehicle is kept in my garage?
  • Will filing a claim cost me more?
  • Am I covered when pulling a rental trailer?
  • When should I remove comp and collision on my 2006 Kia Sportage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?
  • When would I need rental car insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Collision coverage

Collision coverage will pay to fix damage to your Sportage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, backing into a parked car, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for nursing services, chiropractic care, dental work and doctor visits. 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 in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, damage from flooding, theft and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, medical services and bail bonds. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Don’t be a big spender

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at the best price.

We just covered many ways to lower your 2006 Kia Sportage insurance premium rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from a lesser-known regional company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Cost effective 2006 Kia Sportage insurance is attainable online and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies do not provide online quoting and these regional carriers prefer to sell through independent agents.

More detailed car insurance information can be read in the articles below: