Looking for better auto insurance rates for your Kia Sportage? Getting cheap auto insurance online may seem to be intimidating for beginners to shopping for insurance over the internet. With dozens of insurance companies available, how can drivers even start to compare every auto insurance company to find better auto insurance prices?
To find the best auto insurance prices, there are several ways of comparing price quotes from different companies. The easiest way to comparison shop is to jump online and get quotes. This can be done in several different ways.
Whichever method you choose, make sure you are using identical deductibles and coverage limits for each price quote. If you enter different deductibles it will be impossible to make a fair rate comparison. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes increases the change that you will find more affordable rates. Not every company allows you to get quotes online, so you also need to get rates from them as well.
When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that may help you determine whether or not you may require specific advice.
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hitting a deer, damage from flooding, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like ambulance fees, chiropractic care, doctor visits, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Collision coverage covers damage to your Sportage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as hitting a parking meter, colliding with a tree, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Liability coverage will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like repair bills for other people’s vehicles, pain and suffering, medical expenses, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sportage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.