2005 Kia Sportage Car Insurance Rates

Are you kicking yourself for buying high-priced auto insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive auto insurance.

Online insurance companies like State Farm and Geico all claim big savings, bombarding you with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

You need to get comparison quotes yearly since insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rate for Sportage coverage two years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to find out the easiest way to get good coverage at a lower rate.

How to get the cheapest insurance coverage

To find low cost rates, there are a couple of ways to compare prices from many available insurance coverage companies in your state. The quickest method to find the lowest 2005 Kia Sportage rates is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. The recommended way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form entry for every company. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies.
2. A more time consuming way to obtain and compare quotes online is going to the website for every company you want to comare and fill out their own quote form. For example, let’s say you want to get rates from Progressive, Geico and State Farm. To do that, you would have to spend time on each company’s site and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
3. The most difficult way to compare price estimates is calling or driving to insurance agents’ offices. Quoting and buying insurance online eliminates the middleman unless your situation requires the trained advice of a local agent. Drivers can get prices online and have a local agent actually service the policy.

It’s up to you which method you use, but make sure you compare apples-to-apples quote information on every price quote you get. If each company quotes different deductibles you can’t possibly make an equal comparison. Even a minor difference in coverage limits may result in large price differences. And when comparing insurance coverage rates, know that more quotes will improve the odds of getting a lower rate than you’re paying now. Some regional insurers cannot provide prices over the internet, so you should also compare quotes from those companies as well.

Get cheaper insurance coverage with discounts

Companies don’t always list all possible discounts very clearly, so the list below details a few of the more well known and the harder-to-find discounts you could be receiving when you buy insurance online. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
• Online Discount – Certain insurance companies may give you up to $50 for signing up on your computer.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Sportage coverage depending on your company.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted prices on garaged vehicles.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

To see insurance companies who offer free insurance coverage quotes, follow this link.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether your personal situation will benefit from professional help.

• Should I carry comprehensive and collision coverage?
• Do I have any recourse if my insurance company denies a claim?
• Is my 2005 Kia Sportage covered for flood damage?
• When would I need rental car insurance?
• Is motorclub coverage worth it?
• Am I covered when using my vehicle for business?
• Am I covered when driving in Canada or Mexico?
• I don’t drive much so do I pay less?
• Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

How you can control Kia Sportage insurance premiums

Many things are used when you quote your car insurance policy. Most are fairly basic like an MVR report, but some are more transparent like your continuous coverage or your commute time.When buying insurance it’s important to understand the different types of things that help calculate your policy premiums. When you understand what influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

• Consider raising physical damage deductibles – Physical damage deductibles are how much you are required to spend if the claim is covered. Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are rearending another vehicle, damage from fire, and having a roll-over accident. The more of the claim the insured is willing to pay, the less your company will charge you for insurance for Sportage coverage.
• Insurance rates in urban areas – Being located in areas with lower population has definite advantages when talking about insurance. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities tend to have more road rage incidents and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
• Gender and car insurance prices – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Both genders get in accidents at about the same rate, but men tend to have more serious accidents. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers have the highest risk to insure and are penalized with high insurance rates.
• Liability protection claims can be big – The liability coverage on your policy will provide protection if a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Tricks in insurance advertising

Popular insurance providers such as State Farm, Geico and Progressive endlessly run ads in print and on television. They all make an identical promise that you’ll save big if you move your coverage to them. How is it plausible that every one can lower your premium rates? It’s all in the words they use.

Companies can use profiling for a prospective insured that will add to their bottom line. An example of this type of driver may be a mature driver, has a clean driving record, and drives a car with an anti-theft system. Anybody who matches those parameters will qualify for the lowest rates and most likely will save if they switch.

Insureds who do not meet the “perfect” profile will see a higher premium which results in business going elsewhere. The ads say “people who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, you need to compare price quotes frequently. You cannot predict which insurance company will give you the biggest savings.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, falling objects, fire damage and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, surgery, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, loss of income, court costs, pain and suffering and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Don’t be a big spender

More affordable insurance can be bought both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer internet price quotes and many times these smaller companies prefer to sell through local independent agents.

We’ve covered a lot of techniques to lower your 2005 Kia Sportage insurance prices. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

Even more information is located at these sites:

• What is Gap Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Shopping for a Safe Car (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)