2009 Kia Sportage Insurance Quotes – 7 Ideas for Best Rates

Trying to find cheaper insurance for a Kia Sportage could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to quote coverages for a Kia and get the cheapest rates.

Low cost insurance coverage prices

Getting cheaper 2009 Kia Sportage insurance coverage pricing isn’t really that difficult. You just need to spend a few minutes comparing rates from online providers. It is quite easy and can be accomplished in a couple of different ways.

1. Probably the best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do separate quotes for every company. One form gets you coverage quotes from multiple companies. It’s definitely the quickest method.
2. A harder way to analyze rates is going to each individual company website and fill out a new quote form. For instance, let’s say you want rates from Progressive, Liberty Mutual and Allstate. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which is not fast way to get rate quotes.

   For a handy list of car insurance company links in your area, click here.

3. The least recommended way to comparison shop is going to insurance agencies in your area. Comparing rates online eliminates this option unless you have a need for the professional advice that can only be provided by a licensed insurance agent. However, consumers can obtain prices from the web but buy the policy through an agent.

It’s up to you how you get prices quotes, just be certain you are entering exactly the same quote data with every price quote. If you have different data you can’t possibly find the best deal for your Kia Sportage.

You may qualify for discounts

Some companies don’t always publicize every possible discount very well, so the next list breaks down a few of the more well known and the harder-to-find discounts that you can inquire about if you buy insurance online.

• No Accidents – Insureds who avoid accidents and claims can save substantially as compared to insureds who have frequent claims or accidents.
• Discount for Multiple Policies – If you can combine your auto and home policy and insure them with the same company you could save nearly 15% which can help you find low cost insurance.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
• Telematics Devices – Policyholders that allow driving data collection to analyze where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks as long as the data is positive.
• Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Sportage insurance than their less cautious counterparts.
• Lower Rates for Military – Having a deployed family member could qualify you for better premium rates.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

To locate insurers that offer the discounts shown above, click here to view.

There’s no such thing as the perfect insurance coverage policy

When buying coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

• Will filing a claim cost me more?
• Should I get collision insurance on every vehicle?
• How much can I save by bundling my policies?
• Am I insured when driving a different vehicle?
• Do I have coverage when using my vehicle for my home business?
• Can I afford to pay high deductible claims out of pocket?
• Does my 2009 Kia Sportage need full coverage?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like pain medications, doctor visits, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from flooding, fire damage, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Kia Sportage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.