Searching for cheaper insurance rates for your Kia Sportage? Nobody enjoys paying for insurance, especially when they know they could get a better deal.
Insurance companies such as State Farm, Geico and Farmers Insurance continually bombard you with TV and radio ads and it is challenging if not impossible to see through the deception and take the time to shop coverage around.
Insurance coverage is not an enjoyable expense, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will be applied when you quote, but some need to be specially asked for in order for you to get them.
Remember that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.
If you would like to view insurance companies that offer multiple discounts, click this link.
When choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether or not you may require specific advice.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.
Liability auto insurance
This coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers things like pain and suffering, medical expenses, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, ambulance fees, X-ray expenses, doctor visits and funeral costs. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as rock chips in glass, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision protection
This coverage will pay to fix damage to your Sportage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like damaging your car on a curb, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
In this article, we covered quite a bit of information on how to shop for 2001 Kia Sportage insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.
Some insurance companies don’t offer rates over the internet and usually these small, regional companies work with independent insurance agencies. Affordable 2001 Kia Sportage insurance can be purchased both online and from local agencies, so you should compare both in order to have the best price selection to choose from.
More information is available below:
Jennie Holmes
Is a custom audio system covered by insurance?
Garfield Tillman
Just my two cents. From northwest of Fort Smith, AR. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the cheapest option for me.
Nettie Rhodes
I switched to 21st Century. Quoted good rates in Provo, Utah. Insured with AIG Insurance before. Moved home policy as well. Not sure if rates are cheaper online or not.
Magali Simon
Lots of good stuff here. Live in Paterson, New Jersey. Quoted prices online for a 2001 Kia Sportage. Ended up at about $70 savings annually. Went with 21st Century. Insured with Safeco before. I quoted rates online then called them. I don’t have comp or collision coverage.
Katelyn Stone
I’m in Cedar Rapids, Iowa. Got car insurance quotes with AAA, Sentry, and a few others for my Sportage and saved about $80 a year. Left Amica to switch. Got better coverage too.
Tina Terry
IT’S ALL TOO EXPENSIVE! Live in the southern part of Fairbanks, Alaska. Quoted quotes with 21st Century, Encompass, and The General for my Kia and am saving around $110 a year. I have a couple other vehicles on the policy.
Zandra Floyd
I live in a small town just outside of Augusta, GA. Quoted prices from Progressive, Auto-Owners, and some I forget for my 2001 Kia Sportage and I think I am saving around $30 each month. It’s still not cheap enough. Anyone else drop full coverage?
Fausto Hinton
In Charlotte, North Carolina compare State Farm with GEICO and see which is best.
Nobuko Baxter
Great site. I live just outside Huntington, WV. Checked online prices for a 2001 Kia Sportage. Ended up at about $110 savings annually. Went with Progressive. God forbid I actually have a claim. Liability only on my Sportage.
Sanora Moss
From Denver, Colorado. I compared lots of rates. Saved right around $20 a month. State Farm was the most affordable for me. Was with Erie. They have a lot of discounts available. Did it all online. I’m thinking about dropping full coverage though.
Marcus Sanders
Great info, thanks for posting. Went with Allstate for my Sportage and cut my rates about $100 a year. I don’t insure for physical damage though.