Compare 2014 Kia Sportage Insurance Quotes

Trying to find the cheapest insurance rates for your Kia Sportage? Are you drained from not being able to afford to keep your car insured? You have the same problem as most other vehicle owners.

Companies like State Farm and GEICO all claim big savings with advertising and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

It’s a good habit to do price comparisons once or twice a year due to the fact that insurance prices change regularly. Even if you think you had the best deal on Sportage insurance a year ago you will most likely find a better premium rate today. Ignore everything you know about insurance because we’re going to show you the things you must know in order to save on insurance.

Car insurance policy discounts you can’t miss

Some companies don’t always advertise every disount available in an easy-to-find place, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that may be available. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

Membership in Organizations – Belonging to a civic or occupational organization can get you a small discount when shopping for car insurance.
Bundle and Save – When you combine your auto and home insurance with one company you could get a discount of at least 10% off all policies.
Low Miles Discount – Maintaining low annual mileage could qualify for discounted prices on garaged vehicles.
Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education in high school.
Defensive Driving Course – Successfully completing a course in defensive driver could possibly earn you a 5% discount if you qualify.
College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
Renewal Discounts – A few larger companies give discounts for signing up before your current expiration date. You could save around 10% when you buy car insurance online.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A list of car insurance companies and a selection of discounts are detailed below.

Farm Bureau may offer discounts for driver training, multi-vehicle, renewal discount, multi-policy, 55 and retired, safe driver, and youthful driver.
Liberty Mutual discounts include good student, new move discount, teen driver discount, multi-car, newly retired, new graduate, and newly married.
State Farm includes discounts for safe vehicle, driver’s education, Drive Safe & Save, good driver, defensive driving training, anti-theft, and accident-free.
Auto-Owners Insurance has discounts for anti-lock brakes, multiple vehicles, safe driver, student away at school, and safe vehicle.
GEICO offers premium reductions for good student, anti-theft, emergency military deployment, seat belt use, five-year accident-free, and federal employee.
SAFECO offers discounts including teen safe driver, multi-car, bundle discounts, teen safety rewards, homeowner, safe driver, and anti-theft.

When getting free car insurance quotes, it’s a good idea to all the companies how you can save money. Depending on the company, some discounts might not be offered on policies in your area.

How to get free car insurance quotes online

All the larger car insurance companies like Allstate and Progressive make it easy to get insurance quotes on the web. Getting online rates is quite simple as you simply type in your coverage information into the quote form. After you complete the form, the company’s rating system automatically retrieves your credit score and driving record and generates pricing information. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s necessary to compare as many rates as possible if you want to find a better rate.

There is a better way to compare rates

The preferred way to locate the lowest prices utilizes a single form that obtains quotes from several different companies. The form is fast, reduces the work, and makes comparison shopping much more enjoyable. As soon as you send your information, it is quoted and you are able to buy any one of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

In order to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. This way, you are getting comparison quotes for exact coverage.

Informed consumers can slash their insurance premiums

Many different elements are considered when pricing auto insurance. Some are pretty understandable such as traffic violations, but other criteria are more transparent such as your marital status or your commute time.A large part of saving on insurance coverage is knowing the different types of things that are used to determine your policy premiums. When you understand what determines base rates, this enables you to make decisions that may result in cheaper rates.

The list below includes most of the major factors utilized by car insurance companies to help set your prices.

Lower premiums for cars with good safety ratings – Safer cars tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If your Kia earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Maintain insurance coverage coverage – Allowing your coverage to lapse will be a guaranteed way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
Premiums are affected by your address – Being located in a small town is a good thing when trying to find low car insurance rates. Drivers in populated areas have to deal with more aggressive driving styles and longer commute times. Less people means fewer accidents.
Liability coverage – Your policy’s liability coverage is the coverage that protects you if you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Do you qualify for a multi-policy discount? – Many insurers will award a discount to buyers who consolidate policies with them, otherwise known as a multi-policy discount. The discount can be ten percent or more. Even with this discount, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.
Vocation impacts prices – Occupations like real estate brokers, architects and dentists have the highest rates because of stressful work requirements and extremely grueling work hours. On the other hand, jobs such as actors, students and retirees pay the least on Sportage insurance.
Tickets are costly – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers receive lower rates than bad drivers. Having a single moving violation can boost insurance rates to the point where it’s not affordable. Drivers who have received careless violations like reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.

Insurance agents can help

When choosing the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining whether you could use an agent’s help.

Does my policy cover me when driving someone else’s vehicle?
Should I buy full coverage?
If I drive on a suspended license am I covered?
Does having multiple vehicles earn me a discount?
Can I afford low physical damage deductibles?
Is my nanny covered when driving my vehicle?
Should I have combined single limit or split liability limits?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Auto collision coverage

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

Collision can pay for claims such as driving through your garage door, crashing into a building, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, a broken windshield and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, nursing services, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from 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. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, attorney fees, emergency aid, pain and suffering and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage on a shoestring budget

Budget-friendly insurance can be bought from both online companies in addition to many insurance agents, and you should compare rates from both to have the best selection. Some insurance companies may not provide the ability to get quotes online and most of the time these regional insurance providers only sell coverage through independent agencies.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.