2015 Kia Sportage Insurance Quotes

Searching for the cheapest insurance coverage rates for your Kia Sportage? Locating the cheapest insurance for a new or used Kia Sportage could be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to find insurance coverage online so you’re going to learn the proper way to price shop coverage for a Kia and locate the cheapest rates either online or from local insurance agents.

Earn discounts to get lower-cost auto insurance quotes

Some providers don’t necessarily list all possible discounts very clearly, so we researched both the well known in addition to some of the lesser obvious credits available to you. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • No Accidents – Good drivers with no accidents pay much less in comparison with drivers with a long claim history.
  • Defensive Driver – Taking a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings up to 30%.
  • Full Payment Discount – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Safe Driver Discount – Accident-free drivers may receive a discount up to 45% for Sportage coverage than drivers with accident claims.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates if you are claim-free before the accident.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote insurance coverage for Sportage coverage depending on your auto insurance provider.

As is typical with insurance, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, that’s just not realistic. But any discount will definitely lower your policy cost.

A list of auto insurance companies and some of the discounts are included below.

  • State Farm may have discounts that include accident-free, anti-theft, Drive Safe & Save, safe vehicle, passive restraint, and driver’s education.
  • Esurance may offer discounts for homeowner, paid-in-full, emergency road assistance, good student, renters, anti-theft, and online shopper.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, online quote discount, continuous coverage, online signing, homeowner, and good student.
  • Liberty Mutual includes discounts for new graduate, newly retired, new move discount, exclusive group savings, and newly married.
  • Auto-Owners Insurance has savings for safe driver, multiple vehicles, paperless, group or association, and teen driver.
  • GEICO has discounts for five-year accident-free, military active duty, membership and employees, emergency military deployment, and air bags.

Before buying, ask each company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in your area.

How to compare insurance coverage price quotes

Finding more affordable 2015 Kia Sportage insurance coverage prices can be quick and easy. You just need to take time to get quotes to see which company has the cheapest insurance coverage quotes. Shoppers can get rates in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to get quotes is a comparison rater form click here to open form in new window. This style of form eliminates the need for separate quote forms for each company you want a rate for. Completing one form gets rate comparisons instantly. This is by far the quickest method.
  2. A slightly less efficient method to compare prices is going to the website for every company you want to comare to complete a price quote. For example, let’s assume you want to compare Auto-Owners, Safeco and Liberty Mutual. You would be required to navigate to each company’s site to enter the same coverage data repeatedly, which can get old fast. To view a list of companies in your area, click here.
  3. The old school way to comparison shop rate quotes is calling or driving to local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you prefer the trained advice of a local agency. However, consumers can compare the best prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverages and limits on every quote. If the quotes have different data it will be next to impossible to determine which company has the best rates.

Four factors that impact insurance rates

Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are more obscure like your vehicle usage or your financial responsibility.One of the most helpful ways to save on insurance is to to have a grasp of the factors that play a part in calculating the price you pay for insurance. If you understand what determines base rates, this enables informed choices that may result in much lower annual insurance costs.

The factors shown below are just a few of the factors companies use to determine your prices.

  • Employer reflects on rates – Careers such as military generalspolice officers and financial analysts tend to have the highest average rates due to high stress and lengthy work days. Other careers such as scientists, historians and performers pay the least for Sportage coverage.
  • Reduce insurance rates by driving safer cars – Cars with high safety ratings get lower rates. Vehicles built for safety protect occupants better and fewer injuries means less money paid by your insurance company and thus lower rates. If your Kia Sportage has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Age of drivers – Young drivers are statistically shown to get distracted easily behind the wheel so they pay higher insurance rates. Parents adding a young driver onto a policy can cause a big jump in price. More mature drivers are more cautious drivers, tend to file fewer claims , and are generally more financially stable.
  • Does insurance coverage cost less for women? – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that females are better at driving than males. Both genders have at-fault accidents at about the same rate, but men cause more damage. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Male teenagers are the most expensive to insure and are penalized with high insurance rates.

Tailor your car insurance coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • When should I drop full coverage on my 2015 Kia Sportage?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?
  • Should I have a commercial auto policy?
  • If my 2015 Kia Sportage is totaled, can I afford another vehicle?
  • Does having multiple vehicles earn me a discount?
  • Am I missing any policy discounts?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Who is covered when they drive my 2015 Kia Sportage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance specifics

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills like surgery, pain medications, ambulance fees, nursing services and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays for damage to your Sportage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive car insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, hitting a deer, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance – Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, attorney fees, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2015 Kia Sportage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

One last thing

In this article, we covered a lot of tips how to reduce 2015 Kia Sportage insurance prices online. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your rates. You may even discover the lowest prices come from a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, being labeled a high risk driver, policy non-renewal and even unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

As you quote insurance coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best cost, not the least amount of coverage.

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