2017 Kia Sportage Car Insurance Cost – 6 Tips to Save

Trying to find lower insurance rates for your Kia Sportage? Are you overwhelmed by the sheer number of insurance sources available to you? Many other drivers are too. people have so many choices that it can really be a real hassle to find better rates.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Nevertheless, drivers can benefit by having an understanding of the way companies market insurance on the web and use this information to your advantage.

How to compare free auto insurance quotes

There are multiple methods to shop for auto insurance, and some are more efficient than others. You could waste time talking to insurance companies in your area, or you could use the web to get rates in a matter of minutes.

The majority of car insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This saves time by eliminating quotation requests to every company.

To find out how much you’re overpaying now click to open in new window.

The only downside to pricing coverage this way is you don’t know exactly the companies you want pricing from. So if you want to select from a list of companies to receive pricing from, we put together a list of auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep apples-to-apples coverages on every quote. If the quotes have different deductibles it’s impossible to determine which company has the best rates. Even a minor difference in coverage limits can make a big difference in price. It’s important to know that comparing a large number of companies helps you find a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get rates on coverage from those companies, too.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • Does insurance cover damages from a DUI accident?
  • Is a fancy paint job covered?
  • Do I need replacement cost coverage on my 2017 Kia Sportage?
  • Will my rates increase for filing one claim?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Kia Sportage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This coverage pays for damage to your Sportage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability

This provides protection from damage that occurs to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees, medical expenses, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for doctor visits, surgery, chiropractic care, dental work and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, hail damage, hitting a bird and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.