Cheaper 2010 Kia Sportage Insurance Quotes

Searching for cheaper insurance rates for your Kia Sportage? Locating cheaper insurance for a Kia Sportage can normally be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find insurance online so you’re going to learn the proper way to quote coverages for a new or used Kia and obtain the cheapest rates either online or from local insurance agents.

It’s important to quote other rates quite often since insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Sportage insurance six months ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about insurance on the web, but in this article, you’re going to get some great ways to find affordable insurance.

How to find low cost auto insurance

Performing a rate comparison can be challenging if you don’t understand the best way to get rate quotes. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to get prices fast.

The majority of car insurance companies participate in an industry program where prospective buyers send in one quote, and every company provides a quote based on the submitted data. This eliminates the need for quote forms to each company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you cannot specify which carriers you will receive quotes from. So if you prefer to choose from a list of companies to compare prices, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but compare the exact same coverage limits for each price quote. If you have differing limits it will be very difficult to get a fair rate comparison.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements that promise big savings for switching by State Farm, Geico and Progressive. All the companies convey the message that drivers will save a bundle if you just switch your coverage.

How do they all claim to save you money?

Insurance providers give the best rates for the type of customer that earns them the highest profit. A good example of a profitable insured might be described as between the ages of 30 and 45, has other policies, and drives a safe vehicle. A driver who matches that profile may get the lowest auto insurance rates and most likely will cut their rates substantially.

Drivers who do not fit the requirements may be forced to pay higher prices and business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can confidently lure you into getting a quote. This emphasizes why it is so important to compare quotes as often as possible. Because without a comparison, you cannot know the company that will have the lowest auto insurance rates for your situation.

Reduce insurance rates with these tips

A large part of saving on auto insurance is knowing the different types of things that are used to determine the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of things are part of the calculation when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are more transparent such as whether you are married or how financially stable you are.

• Bundle home and auto and save – Lots of companies provide better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, consumers should still compare rates to help guarantee you have the best rates.There is a good possibility that you can save money even if you insure with multiple companies
• Incidental coverages are wasting money – Insurance companies have many additional extra coverages that you can get tricked into buying on your auto insurance policy. Add-on coverages like coverage for rental cars, death and dismemberment, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
• Employer stress can make you pay more – Occupations such as judges, architects and stock brokers tend to pay the highest average rates in part from high stress and lots of time spent at work. On the flip side, professions such as farmers, students and the unemployed pay lower than average rates on Sportage insurance.
• Liability protection limits are a factor – Liability insurance will afford coverage when a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Lower rates with GPS tracking and theft deterrents – Buying a car with a theft deterrent system can help bring down rates. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
• Are you male or female? – The statistics show that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes cause accidents at a similar rate, but guys have accidents that have higher claims. Men also tend to receive more costly citations like DWI (DUI) or reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.

Do you qualify for discount insurance coverage?

The cost of insuring your cars can be expensive, but there may be some discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be asked about prior to receiving the credit.

• Early Signing – A few insurance companies offer discounts for signing up before your current coverage expires. You may see this discount when you get insurance coverage quotes online.
• Paperless Signup – Certain insurance companies give back up to $50 for completing your application on the internet.
• Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
• Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote on Sportage insurance than less cautious drivers.
• Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
• Bundle and Save – If you can combine your homeowners and auto policy and insure them with the same company you will save up to 20% off your total premium.
• Club Memberships – Being in certain professional organizations is a good way to get lower rates on your next renewal.
• Defensive Driver Discounts – Completing a defensive driving course can save you 5% or more and make you a better driver.
• Telematics Discount – Drivers who agree to allow their insurance company to monitor vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
• Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.

Consumers should know that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help lower your policy premium.

A few popular companies and the discounts they provide are:

• State Farm offers discounts for accident-free, passive restraint, good driver, defensive driving training, and student away at school.
• American Family may have discounts that include defensive driver, air bags, good driver, Steer into Savings, and accident-free.
• AAA has discounts for pay-in-full, multi-policy, good driver, good student, and anti-theft.
• Geico discounts include five-year accident-free, good student, multi-policy, military active duty, and daytime running lights.
• Mercury Insurance has savings for good student, low natural disaster claims, location of vehicle, accident-free, and multi-car.
• Farmers Insurance may offer discounts for good student, pay in full, homeowner, bundle discounts, and multi-car.
• Progressive includes discounts for good student, online signing, continuous coverage, multi-vehicle, homeowner, multi-policy, and online quote discount.

Check with every company which credits you are entitled to. Savings might not be offered on policies in your area. To view insurance coverage companies offering insurance coverage discounts, click here to view.

What insurance coverages do I need?

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

• What is an SR-22 filing?
• Why do I only qualify for high-risk insurance?
• Do I need motorclub coverage?
• Does coverage extend to Mexico or Canada?
• Should I have combined single limit or split liability limits?
• How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for liability – This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as court costs, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – This covers damage to your Sportage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for things like pain medications, prosthetic devices, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Make an honest buck

Consumers change insurance companies for many reasons like lack of trust in their agent, delays in responding to claim requests, not issuing a premium refund or questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Cheaper insurance can be sourced from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and many times these regional carriers work with independent agents.

As you quote insurance coverage, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Additional information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)