2002 Kia Sportage Insurance Quotes

Want cheaper insurance rates for your Kia Sportage? There isn’t a single person who anticipates paying for insurance, in particular when the cost is too high.

Since drivers have many options, it can be challenging to choose the lowest cost insurance company.

It is always a good idea to compare rates occasionally because insurance prices are constantly changing. Despite the fact that you may have had the lowest rates on Sportage insurance last year you will most likely find a better rate quote today. There is a lot of bad information regarding insurance online, but I’m going to show you the easiest ways to reduce your insurance bill.

Buying affordable auto insurance is simple if you know the tricks. In a nutshell, every driver who shops for auto insurance should be able to find better rates. But car owners can benefit by having an understanding of the methods companies use to price insurance differently and use this information to your advantage.

Cheap insurance rates with discounts

Some insurers don’t always publicize every discount they offer in a way that’s easy to find, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to you. If you are not receiving all the discounts possible, you’re just leaving money on the table.

• More Vehicles More Savings – Buying a policy with multiple cars or trucks with the same insurance company can reduce rates for all insured vehicles.
• E-sign – Some of the larger companies provide a small discount for completing your application online.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
• Own a Home and Save – Owning your own home or condo can earn you a little savings because owning a home shows financial diligence.
• Distant Student Discount – Older children who are attending college and leave their car at home may be insured at a cheaper rate.
• First Accident Forgiveness – Not really a discount, but a few companies such as State Farm and Geico will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
• Student Driver Training – Require your teen driver to sucessfully take a drivers education course in school.
• Discount for Low Mileage – Driving fewer miles may allow you to get better premium rates on cars that stay parked.
• Telematics Devices – Drivers who elect to allow their insurance company to spy on driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Senior Citizens – Mature drivers can get lower premium rates on Sportage insurance.

Don’t be surprised that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

To find insurance companies who offer discounts, click here to view.

How your Sportage insurance costs are determined

Lots of things are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are not quite as obvious such as whether you are married or your commute time.

The items below are just a few of the factors used by insurance companies to determine rates.

• Gals tend to cost less – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both sexes cause at-fault accidents in similar percentages, but guys have costlier accidents. Men also get higher numbers of serious violations like DUI and reckless driving.
• Costs are affected by your address – Living in a rural area is a positive aspect if you are looking for the lowest rates. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.
• The higher your credit score the lower your costs – A driver’s credit rating can be an important factor in determining what you pay for auto insurance. Insureds that have high credit ratings tend to file fewer claims than those with poor credit scores. So if your credit rating can be improved, you could potentially save money when insuring your 2002 Kia Sportage if you clean up your credit.
• Do you have enough liability coverage? – Your policy’s liability coverage is the protection when you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Lower rates for married couples – Walking down the aisle may save some money on your policy. Having a spouse demonstrates that you tend to be less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.
• Younger drivers cost more – Teen drivers are known to be less responsible behind the wheel so auto insurance rates are higher. Older drivers tend to be more responsible, are lower risk to insure and are safer drivers.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions can aid in determining whether or not you might need professional guidance.

• Do I need PIP coverage since I have good health insurance?
• How high should my uninsured/underinsured coverage be in my state?
• When should I not file a claim?
• Should I rate my 2002 Kia Sportage as pleasure use or commute?
• Can I get a multi-policy discount?
• Is my babysitter covered when using my vehicle?
• Do I need replacement cost coverage on my 2002 Kia Sportage?
• Are my friends covered when driving my car?
• Am I covered when using my vehicle for business?
• Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a Kia Sportage

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, a broken windshield, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like hospital visits, surgery, pain medications, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This covers damage to your Sportage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

In any little way, save everyday

As you prepare to switch companies, never buy less coverage just to save a little money. Too many times, someone dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your objective should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cheaper insurance coverage is attainable from both online companies in addition to many insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and usually these small insurance companies provide coverage only through independent agents.

More detailed insurance coverage information is available by following these links:

• Auto Insurance Basics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)