1995 Kia Sportage Insurance Quotes

Have you had enough of paying out the nose to buy insurance coverage? You’re in the same situation as most other vehicle owners.

Vehicle owners have so many insurance companies to buy insurance from, and even though it’s nice to have a selection, it makes it harder to get the best deal.

Smart consumers take time to price shop coverage quite often due to the fact that insurance prices are constantly changing. Even if you think you had the best deal for Sportage coverage at your last renewal you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this post is to tell you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Although drivers can benefit by having an understanding of how the larger insurance companies market insurance on the web and take advantage of how the system works.

Lower the price of insurance with these tips

Consumers need to have an understanding of some of the elements that are used to determine the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with lower insurance prices.

The factors shown below are some of the most rate-impacting factors used by your company to calculate rates.

• An active claims history can cost you more – If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Car insurance companies generally give discounts to people who file claims infrequently. Insurance coverage is intended for more catestrophic claims.
• Guys pay more for insurance coverage – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Males and females cause accidents in similar percentages, but males tend to have higher claims. Not only that, but men also get more serious tickets like driving under the influence (DUI). Young males generally have the highest accident percentage and thus pay the highest rates.
• Certain jobs raise premiums – Occupations like judges, executives and accountants are shown to have higher average rates because of intense work requirements and lengthy work days. On the flip side, jobs like professors, students and homemakers have the lowest average rates for Sportage coverage.
• Being married can save on insurance – Getting married may cut your premiums compared to being single. It translates into being more mature and responsible and statistics prove married drivers tend to file fewer claims.
• Don’t get traffic citations – Getting just one speeding ticket or other violation can bump up the cost to the point where it’s not affordable. Good drivers tend to pay less for car insurance compared to bad drivers. Drivers who have flagrant tickets like DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Safer cars means cheaper insurance – Safer cars can get you lower premiums. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
• Never go without insurance – Having an insurance coverage lapse is a quick way to increase your insurance rates. Not only will you pay more, getting caught without coverage may result in a steep fine or even jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

Don’t overlook these car insurance discounts

Car insurance is not cheap, but you might already qualify for some discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but once in a while a discount must be specially asked for before they will apply.

• Driver Training Discounts – Successfully completing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
• Passenger Safety Discount – Factory air bags may earn rate discounts of up to 25% or more.
• Low Mileage Discounts – Driving fewer miles could be rewarded with slightly better car insurancerates than normal.
• Telematics Devices – Policyholders that allow their insurance company to spy on driving habits by using a telematics device in their vehicle such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
• Paperless Signup – Some of the larger companies will give a small break for signing up on the web.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best car insurance companies and a partial list of their discounts are:

• State Farm has discounts for anti-theft, good student, driver’s education, Steer Clear safe driver discount, multiple autos, and safe vehicle.
• Geico has savings for anti-lock brakes, anti-theft, air bags, driver training, membership and employees, and multi-vehicle.
• Progressive may offer discounts for good student, multi-policy, continuous coverage, online quote discount, online signing, and homeowner.
• 21st Century may include discounts for defensive driver, automatic seat belts, driver training, good student, and teen driver.
• American Family offers discounts including good driver, TimeAway discount, bundled insurance, mySafetyValet, defensive driver, and multi-vehicle.
• The Hartford includes discounts for driver training, anti-theft, air bag, vehicle fuel type, and good student.
• AAA policyholders can earn discounts including pay-in-full, good driver, AAA membership discount, multi-policy, and good student.

If you need low cost auto insurance quotes, ask every prospective company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. To view insurance companies with the best car insurance discounts, follow this link.

When to get professional advice

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your situation would benefit from professional advice.

• Does my personal policy cover me when driving out-of-state?
• Am I insured when driving a different vehicle?
• Do I have coverage when making deliveries for my home business?
• Do I need an umbrella policy?
• When should I not file a claim?
• Am I covered by my spouse’s policy after a separation?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, chiropractic care and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – This can cover damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as emergency aid, repair bills for other people’s vehicles, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision) – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Cheaper insurance is a realistic goal

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage and discovered at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

In this article, we covered a lot of techniques to compare 1995 Kia Sportage insurance rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

Additional detailed information is available by following these links:

• How to Avoid Common Accidents (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)