Lower Your 2016 Kia Sportage Car Insurance Cost

Want lower auto insurance rates for your Kia Sportage? If you’re trying to find lower-cost insurance online, do you get confused by the crazy number of auto insurance companies available to you? Many other drivers are as well. vehicle owners have such a large number of options that it can be a real difficult job to lower your auto insurance rates.

Consumers need to do rate comparisons yearly because prices go up and down regularly. Even if you think you had the lowest rate for Sportage coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Compare quotes for insurance

There are a variety of methods to compare insurance prices but one way is easier and takes less work. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Most major companies take part in a program that allows shoppers to complete one form, and at least one company returns a rated price based on that information. This saves time by eliminating form submissions for every insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to getting quotes like this is you are unable to specify which providers to receive prices from. If you would rather choose from a list of companies to request quotes from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

Compare rates however you want, just be certain you are entering identical coverages and limits for every company. If each company quotes different data you will not be able to truly determine the lowest rate. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Keep in mind that more quotes will increase your chances of finding a lower rate than you’re paying now. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare quotes from them as well.

These discounts can slash car insurance rates

Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden credits available to you. If you aren’t receiving every discount available, you are throwing money away.

  • Waiver for an Accident – Not really a discount, but certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
  • Active Service Discounts – Being on active deployment in the military could mean lower premium rates.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small discount on rates for Sportage coverage.
  • No Claims – Drivers who stay claim-free can earn big discounts in comparison to bad drivers.
  • Passive Restraints – Options like air bags can qualify for discounts of 25 to 30%.
  • Defensive Driver Discounts – Taking a course in driver safety could cut 5% off your bill and also improve your driving technique.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A few popular companies and a partial list of their discounts are detailed below.

  • GEICO includes discounts for air bags, five-year accident-free, good student, anti-theft, membership and employees, multi-vehicle, and multi-policy.
  • Travelers may have discounts that include good student, multi-policy, driver training, early quote, and multi-car.
  • Nationwide has savings for easy pay, good student, Farm Bureau membership, multi-policy, and accident-free.
  • Farmers Insurance has discounts for homeowner, good student, youthful driver, alternative fuel, and distant student.
  • Esurance may offer discounts for good driver, good student, safety device, multi-car, online quote, anti-theft, and Pac-12 alumni.
  • State Farm offers premium reductions for anti-theft, defensive driving training, good driver, passive restraint, and good student.
  • Progressive offers discounts including multi-policy, homeowner, good student, online quote discount, continuous coverage, and multi-vehicle.
  • Mercury Insurance discounts include multi-car, accident-free, anti-theft, annual mileage, and ease of repair.

Before you buy a policy, ask each insurance company which credits you are entitled to. Some credits might not be offered in your area. To choose companies that offer the discounts shown above, click this link.

Quote Kia Sportage insurance at a discount

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. When you understand what influences your rates, this allows you to make good choices that can earn you big savings. Many things are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but some are less apparent such as your marital status or how financially stable you are.

  • How many coverages with the same company – Lots of insurers will give discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten percent or more. Even with this discount applied, drivers will still want to get quotes from other companies to confirm you are receiving the best rates possible.There is a chance you can find lower rates by buying insurance from more than one company.
  • Accidents mean higher prices – Having just one chargable violation can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers who have gotten flagrant violations such as reckless driving or DUI may find they need to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
  • Too many policy claims and you’ll pay more – Insurance companies award most affordable rates to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended for claims that pose a financial burden.
  • Men drivers tend to cost more – Statistics show that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Males and females tend to get into accidents in similar numbers, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets such as reckless driving.
  • A lpolicy lapse is a bad thing – Having a gap between insurance policy dates is a sure-fire way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance could result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

When do I need an agent’s advice?

When choosing adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Should I buy full coverage?
  • What if I owe more than I can insure my car for?
  • When should my teen driver be added to my policy?
  • Do all my vehicles need collision coverage?
  • Do I need more liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Don’t be fooled by advertising claims

Insurance providers like Allstate and Progressive endlessly run ads on TV and radio. They all seem to make the point that drivers will save a bundle just by switching your coverage. How do they all charge lower premium rates? It’s all in the numbers.

Many companies quote their cheapest rates for the type of driver that earns them the most money. For instance, a preferred risk could be between the ages of 30 and 45, has a clean driving record, and drives newer vehicles. A customer who matches that profile will most likely get cheap car insurance rates and is almost guaranteed to save when they switch companies.

Insureds who are not a match for this ideal profile may be forced to pay higher premiums which translates to the customer not purchasing. The wording the ads use say “customers that switch” not “everyone who quotes” save that kind of money. This is how companies can make the claims of big savings.

This really drives home the point why it’s extremely important to get insurance coverage quotes as often as possible. It is impossible to guess the company that will have the lowest rates.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, hospital visits, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, funeral expenses, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your Sportage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote more. Save more.

Insureds switch companies for a number of reasons such as unfair underwriting practices, denial of a claim, policy non-renewal or extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

You just learned quite a bit of information on how to shop for 2016 Kia Sportage insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the lowest rates are with the smaller companies.

Some insurance providers may not have the ability to get a quote online and usually these regional carriers work with independent insurance agencies. The cheapest 2016 Kia Sportage insurance is attainable on the web in addition to many insurance agents, and you should compare rates from both to have the best rate selection.

Additional information can be found at the links below