Compare 2012 Kia Sportage Car Insurance Quotes

Trying to find lower car insurance rates for your Kia Sportage? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies to find the lowest rate

You should make it a habit to get comparison quotes on a regular basis since prices are usually higher with each renewal. Even if you think you had the best rates on Sportage insurance a couple years back you may be paying too much now. Ignore everything you know about car insurance because we’re going to demonstrate the best methods to find better coverage at a better price.

The best way we recommend to get policy rate comparisons is to understand most larger insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details including how your vehicles are used, if you require a SR-22, coverage limits, and if you have a valid license. That information gets transmitted to multiple companies and they respond with quotes immediately.

If you would like to start a quote now, click here and find out if lower rates are available.

Take advantage of these discounts

Companies that sell car insurance don’t always list every discount they offer very clearly, so the list below details both well-publicized and the more hidden ways to save on insurance coverage. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

• Discount for Home Ownership – Being a homeowner can save you money because owning a home requires a higher level of personal finance.
• Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
• Auto/Life Discount – Select insurance companies reward you with a lower rate if you buy some life insurance in addition to your auto policy.
• No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as compared to frequent claim filers.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
• Telematics Discount – Drivers that enable driving data submission to analyze where and when they drive through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
• Payment Method – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.

It’s important to understand that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts include:

• Travelers may include discounts for IntelliDrive, multi-car, new car, continuous insurance, and student away at school.
• 21st Century may offer discounts for anti-lock brakes, student driver, driver training, early bird, air bags, teen driver, and theft prevention.
• State Farm includes discounts for good driver, student away at school, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, driver’s education, and anti-theft.
• Geico offers premium reductions for anti-lock brakes, five-year accident-free, multi-vehicle, membership and employees, and daytime running lights.
• SAFECO has savings for accident prevention training, bundle discounts, safe driver, teen safety rewards, and homeowner.
• AAA may have discounts that include anti-theft, good driver, multi-policy, AAA membership discount, and multi-car.

Before purchasing a policy, check with each company what discounts are available to you. Discounts may not apply to policyholders in your area. To view insurance companies that offer some of these discounts, click here.

Lower your insurance rates

Many different elements are used when you quote your car insurance policy. Some are pretty understandable such as your driving record, but some are less obvious like where you live or your commute time.The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can help you get lower insurance prices.

The following are just a few of the factors used by companies to determine your premiums.

• Insurance rates and your employer – Did you know your occupation can influence how much you pay for insurance? Careers like military generalsairline pilots and stock brokers usually pay higher premiums than the average policyholder due to intense work-related stress and long work days. On the other hand, occupations such as professors, athletes and performers pay the least on Sportage insurance.
• Responsible drivers pay less – Even a single citation can boost insurance rates forty percent or more. Good drivers pay less for auto insurance as compared to careless drivers. Drivers who have flagrant violations such as reckless driving or DUI may be required to prove financial responsibility with their state in order to prevent their license from being revoked.
• Use credit responsibly and save – A driver’s credit score is likely to be a major factor in your rate calculation. If your credit history is low, you may save money insuring your 2012 Kia Sportage by improving your rating. Drivers who have good credit tend to be more responsible as compared to drivers with poor credit scores.
• Continuous insurance coverage saves money – Not maintaining insurance is illegal and insurance companies will penalize you for letting your coverage cancel without a new policy in place. In addition to paying higher rates, being ticketed for driving with no insurance may earn you fines or a revoked license.
• With age comes responsibility – More experienced drivers are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.Beginning drivers are statistically shown to be more careless with other occupants in the car so they pay higher insurance rates.
• Put fewer miles on your vehicle – The more you drive in a year’s time the higher your rate. Almost all companies calculate rates partially by how you use the vehicle. Autos that do not get driven very much receive lower rates than those that get driven frequently. An incorrectly rated Sportage is throwing money out the window. It’s a good idea to make sure your declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money.
• Do you qualify for a multi-policy discount? – Some insurance companies afford a discount to customers that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, consumers should still check prices from other companies to guarantee you are still saving the most. You may still save even more by insuring with multiple companies.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can aid in determining if you could use an agent’s help.

• If I drive on a suspended license am I covered?
• Am I covered if I crash into my own garage door?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need added coverage for expensive stereo equipment?
• Do I need motorclub coverage?
• Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Truth in insurance advertising

Consumers can’t get away from ads for insurance savings from companies such as Allstate, Geico and Progressive. All the companies say the same thing of big savings if you switch your policy.

How does every company make the same claim? Just pay attention to how they say it.

Insurance companies provide the lowest rates for the type of driver that makes them money. A good example of a desirable risk may need to be over age 30, has no claims, and the vehicle is rated for pleasure use. A propective insured that meets those criteria receive the lowest rate quotes and as a result will probably cut their rates substantially.

Consumers who are not a match for this stringent profile will have to pay a higher premium with the end result being the customer buying from someone else. The ads state “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently claim big savings. Because each company has a different risk profile, you should compare many company’s rates. It is impossible to predict which company will be your best fit.

Auto insurance 101

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass, hail damage and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – Liability coverage protects you from damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, attorney fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Kia Sportage.

Since 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 should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for nursing services, ambulance fees, X-ray expenses, hospital visits and pain medications. They are 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 if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Have the Midas touch

We just covered some good ideas how you can lower your 2012 Kia Sportage insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting the cheapest auto insurance. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

As you quote auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More information is located on the following sites:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)