2015 Kia Sportage Insurance Rates – 6 Tips for Cheaper Quotes

Drivers have a choice when trying to find the best price on Kia Sportage insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates.

There are more efficient ways to buy insurance coverage and you need to know the quickest way to get price quotes for your Kia and find the best price possible from both online companies and local agents.

It is always a good idea to take a look at other company’s rates before your policy renews because rates tend to go up over time. Even if you got the best rate for Sportage insurance last year other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to teach you the right way to lower your annual insurance bill.

How to get car insurance rate quotes

Getting cheaper 2015 Kia Sportage car insurance pricing can be relatively painless. All you need to do is invest a few minutes comparing free insurance coverage quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The easiest and least time consuming way to find low rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do repetitive form submissions for each price estimate. A single form will return quotes from car insurance companies with the best prices. It’s the fastest way to compare.

A less efficient way to obtain and compare quotes online requires visiting each company’s website to request a price quote. For sake of this example, we’ll assume you want comparison quotes from State Farm, Farmers and Geico. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The hardest method to shop rates is to spend your day driving to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you require the professional assistance of a licensed agent. If you prefer, some companies allow you to price shop online but have your policy serviced through an agent.

How you compare quotes is your choice, just make sure you use the same deductibles and coverage limits on every quote you get. If your comparisons have different liability limits you will not be able to determine which company has the best rates.

Do drivers who switch really save $414 a year?

Consumers can’t ignore all the ads for cheaper insurance from the likes of Progressive, Allstate and Geico. All the ads say the same thing that people will save after switching your policy.

How is it plausible that every one can charge you less for car insurance? It’s all in the words they use.

Many companies have strict underwriting profiles for the type of customer that will generate a profit. A good example of a profitable insured could be over the age of 50, has few claims, and drives a vehicle with a low ISO rating. Any new insured who matches those parameters will probably get cheap premium rates and most likely will save if they switch.

Potential customers who cannot meet those criteria will have to pay a higher premium with the end result being the customer buying from a different company. Company advertisements say “customers that switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can make claims that they all have the best rates.

Because of this risk profiling, it’s extremely important to compare many company’s rates. It is impossible to guess which company will have the best prices at this point in time.

Verify you’re earning every discount

Some companies don’t always advertise every available discount in a way that’s easy to find, so we took the time to find a few of the more well known and the more hidden credits that you can use to lower your rates.

• Distant College Student Discount – Children who live away from home at college and do not take a car to college could get you a discount.
• Defensive Driving Course – Completing a course in safe driver could save 5% or more and make you a better driver.
• Buy New and Save – Buying a new car model can get you a discount due to better safety requirements for new vehicles.
• Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
• Drive Less and Save – Keeping the miles down on your Kia can qualify you for cheaper insurancerates.
• Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison with bad drivers.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, it just doesn’t work that way.

A list of insurance companies and a partial list of their discounts are:

• State Farm includes discounts for accident-free, good driver, defensive driving training, safe vehicle, and driver’s education.
• Progressive discounts include homeowner, multi-vehicle, continuous coverage, good student, multi-policy, online quote discount, and online signing.
• Progressive offers discounts including online signing, homeowner, multi-vehicle, continuous coverage, multi-policy, and good student.
• MetLife may include discounts for claim-free, accident-free, defensive driver, multi-policy, and good student.
• Farm Bureau has discounts for multi-policy, safe driver, 55 and retired, youthful driver, renewal discount, driver training, and multi-vehicle.
• Geico has savings for air bags, defensive driver, emergency military deployment, daytime running lights, anti-lock brakes, multi-vehicle, and federal employee.
• SAFECO may offer discounts for drive less, teen safe driver, anti-lock brakes, homeowner, safe driver, and bundle discounts.

If you need lower rates, check with all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to view insurance companies that offer some of these discounts, follow this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

• Is my ex-spouse still covered by my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Is there coverage for injuries to my pets?
• What is the rate difference between pleasure use and commuting?
• Am I covered when driving a rental car?
• Should I buy more coverage than the required minimum liability coverage?
• Is my cargo covered for damage or theft?
• When should my teen driver be added to my policy?
• What is the minimum liability in my state?
• Do I need an umbrella policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Sportage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This covers damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from flooding, a broken windshield and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for surgery, pain medications, EMT expenses, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Smart shoppers get results

Consumers leave their current company for a variety of reasons including questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer and unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

As you quote insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

The cheapest 2015 Kia Sportage insurance is attainable online as well as from independent agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance providers do not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

For more information, feel free to visit the articles below:

• Safety Belts FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)