2006 Kia Sportage Car Insurance Quotes

Searching for better auto insurance rates for your Kia Sportage? Scraping up a payment for high-priced Kia Sportage insurance can dwindle your accounts and make it hard to pay other bills. Doing a price comparison can save money and help to lower your monthly bill.

Companies like Geico, Progressive and Allstate all claim big savings with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You should take the time to quote other rates periodically because auto insurance prices are constantly changing. Just because you found the lowest price for Sportage insurance at your last renewal you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to teach you one of the quickest ways to lower your annual insurance bill.

The quickest method to compare insurance rates from multiple companies is to realize almost all companies have advanced systems to provide you with a free rate quote. The one thing you need to do is give them some information like coverage limits, if you have an active license, if you require a SR-22, and your occupation. Those rating factors is submitted instantly to insurance companies and they return rate quotes immediately.

To find the cheapest car insurance rates, click here and enter your coverage details.

These discounts can lower your car insurance rates

Car insurance is not inexpensive, but there are discounts available that you may not even be aware of. Some trigger automatically when you quote, but a few must be specially asked for in order for you to get them.

• More Vehicles More Savings – Having multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Multi-line Discount – Larger insurance companies have a discounted car insurance rate on car insurance if you buy life insurance.
• Drive Less and Save – Low mileage vehicles could earn lower rates on the low mileage vehicles.
• Government Employees – Federal government employees can save as much as 8% for Sportage insurance with a few car insurance companies.
• Payment Discounts – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• E-sign – A few companies will give you a small discount for buying your policy over the internet.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will lower the premium cost.

A list of car insurance companies and some of the discounts are:

• Geico offers premium reductions for daytime running lights, five-year accident-free, multi-vehicle, federal employee, and air bags.
• Travelers policyholders can earn discounts including IntelliDrive, continuous insurance, student away at school, driver training, hybrid/electric vehicle, new car, and good student.
• Farm Bureau has discounts for renewal discount, good student, 55 and retired, safe driver, and multi-policy.
• Liberty Mutual offers discounts including new graduate, newly retired, good student, preferred payment discount, teen driver discount, and multi-policy.
• American Family has savings for early bird, good driver, TimeAway discount, mySafetyValet, accident-free, Steer into Savings, and multi-vehicle.
• Progressive may include discounts for good student, homeowner, online quote discount, multi-vehicle, online signing, multi-policy, and continuous coverage.

If you need low cost car insurance quotes, ask each insurance company which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders everywhere. To choose car insurance companies with discount rates, click here to view.

Get cheaper insurance premiums by understanding these factors

Many things are used when you quote your car insurance policy. Some are obvious like your driving record, but other factors are not as apparent such as your marital status or your commute time.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your rate level.

• Infrequent drivers can save – Driving more miles each year the higher the price you pay to insure it. A lot of insurance companies calculate prices based on their usage. Cars used primarily for pleasure use get more affordable rates than those that get driven frequently. Improper usage on your Sportage is throwing money out the window. Verify your auto insurance policy properly reflects how each vehicle is driven.
• Responsible drivers pay better rates – How you drive impacts your car insurance rates tremendously. Drivers with clean records get better prices than bad drivers. Even a single speeding ticket may increase your cost forty percent or more. Drivers who have received flagrant violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state in order to legally drive.
• Females tend to take less risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean females are better drivers. Both genders are responsible for auto accidents at about the same rate, but the men tend to have more serious accidents. Not only that, but men also have more aggressive citations like DUI and reckless driving.
• An active claims history can cost more – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide the lowest premiums to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Do thieves like your car? – Owning a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Never let your coverage expire – Not maintaining insurance is a big no-no and you will pay a penalty because you let your insurance expire. Not only will you pay more, being ticketed for driving with no insurance can result in a revoked license or a big fine.
• Liability limits should be high – The liability coverage on your policy will provide protection when you are responsible for an accident. Liability provides legal defense up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Is a new car covered when I drive it off the dealer lot?
• Should I buy more coverage than the required minimum liability coverage?
• Why does it cost so much to insure a teen driver?
• I don’t drive much so do I pay less?
• Do I need to file an SR-22 for a DUI in my state?
• When would I need additional glass coverage?
• What is the rate difference between pleasure use and commuting?
• What can I do if my company won’t pay a claim?
• Am I better off with higher deductibles on my 2006 Kia Sportage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Kia Sportage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, falling objects, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Sportage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, driving through your garage door, crashing into a building, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills like EMT expenses, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped full coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

We’ve covered a lot of tips how to save on 2006 Kia Sportage insurance. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your premium rates. You may even find the best price on insurance coverage is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

To read more, feel free to browse the resources below:

• Understanding Limits and Deductibles (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)