2012 Kia Sportage Car Insurance Rates

If shopping for auto insurance quotes online is new to you, you may be confused by the vast assortment of insurance providers that all say they have the best rates.

Consumers need to quote other rates before your policy renews since insurance rates are adjusted regularly by insurance companies. Just because you had the best premium rates for Sportage insurance last year other companies may now be cheaper. There is a lot of bad information regarding auto insurance on the internet, but I’m going to show you a lot of great tips on how to quit paying high auto insurance rates.

The quickest method to get rate comparisons is to understand most insurance companies will pay a fee to compare their rates. To get started, all you need to do is take a few minutes to give details including distance driven, your job, whether you drive to work or school, and if it has an alarm system. Your insurance information is then sent to multiple insurance providers and they return cost estimate very quickly.

To compare rates for your car now, click here and complete the quick form.

Car insurance policy discounts

Some providers don’t list every discount in a way that’s easy to find, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits available to you.

Senior Citizen Discount – Seniors could receive lower premium rates for Sportage insurance.
Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
Drivers Education – Require your teen driver to take driver’s ed class in high school.
Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Sportage insurance than their less cautious counterparts.
Paperwork-free – A few insurance companies provide a small discount for signing up on your computer.
Telematics Devices – Drivers who agree to allow driving data submission to spy on vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.

Policy discounts save money, but most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of companies and a partial list of their discounts can be read below.

GEICO policyholders can earn discounts including membership and employees, multi-vehicle, multi-policy, good student, military active duty, and daytime running lights.
Auto-Owners Insurance offers discounts for safe driver, anti-theft, air bags, safe vehicle, paid in full, teen driver, and company car.
American Family includes discounts for bundled insurance, defensive driver, good student, TimeAway discount, mySafetyValet, and Steer into Savings.
Esurance offers premium reductions for Pac-12 alumni, multi-policy, online shopper, good student, renters, and claim free.
Progressive has savings for good student, online quote discount, homeowner, multi-vehicle, online signing, and multi-policy.
State Farm has discounts for student away at school, anti-theft, multiple autos, safe vehicle, and passive restraint.
AAA discounts include good student, education and occupation, multi-policy, anti-theft, multi-car, good driver, and pay-in-full.

Check with each company or agent which discounts you may be entitled to. Discounts may not apply to policyholders in your area. If you would like to see a list of companies who offer cheap car insurance quotes, click this link.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

Is my nanny covered when driving my vehicle?
What is covered by UM/UIM coverage?
What is the minimum liability in my state?
How do I file an SR-22 for a DUI in my state?
Should I drop comprehensive coverage on older vehicles?
When should I not file a claim?
Should I buy additional glass protection?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Educate yourself about insurance coverages

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 impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, vandalism and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

Liability coverage can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. 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 repair bills for other people’s vehicles, attorney fees, loss of income, funeral expenses and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

UM/UIM Coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 2012 Kia Sportage.

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 a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses like funeral costs, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your Sportage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

2012 Kia Sportage Car Insurance Rates – 6 Tips to Save