1998 Kia Sportage Insurance Quotes – 10 Tips for Cheapest Rates

Think you have an underperforming, overpriced insurance policy? Believe me when I say many consumers are in the same pinch. With so many options, it’s nearly impossible to find the lowest price insurer.

The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to know the most efficient way to compare company rates online.

Affordable insurance quotes online

All major insurance companies allow you to get coverage prices from their websites. Comparing rates online is possible for anyone as you just type in your coverage preferences as requested by the quote form. Once you submit the form, their rating system will order your credit score and driving record and returns a price quote based on many factors. This makes it simple to compare prices but the process of having to visit multiple sites and fill out multiple forms is a waste of time. But it’s necessary to perform this step if you are searching for a lower rate.

The quickest way to compare rates makes use of a single form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. After your information is entered, your coverage is rated with multiple companies and you can pick any or none of the quote results.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To compare rates now, click here and complete the simple form. If you currently have coverage, we recommend that you enter your coverages as close as possible to your current policy. This makes sure you are getting rate quotes for exact coverage.

Take advantage of every auto insurance discount

Insurance can be prohibitively expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specially asked for before you get the savings. If you do not double check each discount you qualify for, you are throwing money away.

• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
• Telematics Discount – Drivers that enable data collection to analyze their driving habits remotely such as State Farm’s In-Drive might see lower rates if they have good driving habits.
• Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Save over 55 – Drivers over the age of 55 may be able to get reduced rates on Sportage insurance.
• Good Student Discount – Performing well in school may save as much as 25% on a insurance coverage quote. The good student discount can last up to age 25.
• Multi-car Discount – Purchasing coverage when you have multiple vehicles with one company may reduce the rate for each vehicle.
• Organization Discounts – Being in a professional or civic organization may earn a discount on your next renewal.
• Sign Online – A few larger online companies may give you up to $50 just for signing your application on their website.
• Homeowners Pay Less – Just being a homeowner can help you save on auto insurance because it requires a higher level of personal finance.
• Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper since newer models have better safety ratings.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

To view companies with the best discounts, click here to view.

How to know if you need help

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you may require specific advice.

• Are my friends covered when driving my car?
• Should I have a commercial auto policy?
• What exactly is covered by my policy?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when pulling a rental trailer?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Collision coverage protection

This coverage pays for damage to your Sportage from colliding 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 coverage pays for things like crashing into a building, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, pain and suffering, court costs, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, falling objects, a broken windshield, damage from a tornado or hurricane and vandalism. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses such as surgery, chiropractic care, hospital visits, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

A little work can save a LOT of money

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate.

Cheap 1998 Kia Sportage insurance can be sourced online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies may not have the ability to get quotes online and usually these smaller companies only sell coverage through independent agencies.

Other articles

• Vehicle Safety Ratings (iihs.org)
• Safety Features for Your New Car (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)