2000 Kia Sportage Car Insurance Quotes

Looking for lower car insurance rates for your Kia Sportage? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the best rate

You need to compare prices at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the best price for Sportage insurance six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about car insurance online but with this article, you’re going to get some guaranteed methods to find cheap car insurance.

Don’t overlook these discounts

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Most are applied at the time of quoting, but a few need to be specially asked for before they will apply. If you aren’t receiving every discount possible, you are throwing money away.

No Claims – Drivers who don’t have accidents pay much less when compared with bad drivers.
Senior Discount – Mature drivers may be able to get reduced rates for Sportage insurance.
Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
Service Members Pay Less – Having a deployed family member could mean lower rates.
Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Sportage insurance depending on your company.

It’s important to note that most discounts do not apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. Savings may not apply in every state.

Is my situation unique?

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you may require specific advice.

Am I covered if I hit a deer?
What are the financial responsibility laws in my state?
Does coverage extend to my business vehicle?
Should I sign the liability waiver when renting a car?
Should I buy only the required minimum liability coverage?
Do I have coverage for damage caused while driving under the influence?
Are split liability limits better than a combined single limit?
Is a fancy paint job covered?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise about savings after switching your policy.

How does each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Drivers who do not match the “perfect” profile will have to pay a more expensive rate which leads to business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully make those claims.

Because of the profiling, you should compare as many rates as you can. It is impossible to predict which car insurance company will provide you with the cheapest Kia Sportage insurance rates.

Coverage specifics

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as surgery, doctor visits, prosthetic devices, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, medical services, court costs, attorney fees and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, driving through your garage door, damaging your car on a curb 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. Drivers also have the option to choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

As you shop your coverage around, you should never buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

The cheapest 2000 Kia Sportage insurance can be bought on the web and with local insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just learned many ways to get a better price on insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.