Save on 1999 Kia Sportage Car Insurance Rates

No one likes buying auto insurance, especially knowing they are paying too much.

You have so many auto insurance companies to pick from, and although it’s nice to have a choice, so many choices can make it hard to find the best rates for your vehicles.

Smart consumers take time to shop coverage around before your policy renews since prices are variable and change quite frequently. Even if you think you had the best rates on Sportage insurance a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because you’re going to learn the fastest way to remove unneeded coverages and save money.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but occassionally some discounts must be specifically requested before you will receive the discount.

• Service Members Pay Less – Being deployed in the military could qualify you for better prices.
• Early Signing – A few larger companies give discounts for buying a policy before your current policy expires. You may see this discount when you get insurance coverage quotes online.
• Own a Home and Save – Just owning your own home may trigger a policy discount on insurance coverage because it is proof that your finances are in order.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote when compared with bad drivers.
• Student Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on the same insurance coverage policy can reduce rates for all insured vehicles.
• Auto/Home Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
• Driver Training Discounts – Passing a course teaching defensive driving skills could earn you a small percentage discount and easily pay for the cost of the class.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.

If you would like to see a list of companies who offer free insurance coverage quotes, click here.

Car insurance is unique, just like you

When buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

• How much can I save by bundling my policies?
• What happens if I owe more than my 1999 Kia Sportage is worth?
• Am I getting all the discounts available?
• When should my teen driver be added to my policy?
• How can I get high-risk coverage after a DUI?
• Do I need an umbrella policy?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Specific coverages for a 1999 Kia Sportage

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, fire damage, hitting a bird and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 1999 Kia Sportage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, chiropractic care, dental work, funeral costs and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like attorney fees, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Sportage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

In Summary

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of tips how to compare 1999 Kia Sportage insurance premium rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers may even find the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Additional information can be found at these links:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)