2001 Kia Sportage Car Insurance Cost

Car insurance shopping is not a task consumers look forward to, but it’s required in every state to be legal on the road.

Finding affordable coverage is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But drivers need to learn how the larger insurance companies price insurance differently and use this information to your advantage.

Kia Sportage insurance rates are influenced by…

An important part of buying insurance is that you know the factors that come into play when calculating your insurance coverage rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the items companies use to determine rates.

  • Policy add-ons can waste money – There are a lot of extra bells and whistles that you can buy when buying insurance coverage. Coverages like vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Where you reside plays a part – Choosing to live in a rural area can save you money when it comes to insurance coverage. City drivers have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Too many insurance coverage claims drive up costs – Companies generally give lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies and thus lower rates. If the Kia Sportage has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do you have a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as doctors, business owners and accountants tend to pay higher rates than average because of high stress levels and long work hours. On the flip side, jobs such as pilots, athletes and performers have the lowest average rates on Sportage insurance.
  • Pay less if you’re married – Having a spouse can get you a discount on insurance coverage. Marriage translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • High credit ratings translate to low rates – Your credit history is a big factor in your rate calculation. If your credit is not that good, you could pay less to insure your 2001 Kia Sportage by improving your credit score. People with good credit tend to be more responsible than drivers with lower credit scores.

Lower rates by qualifying for discounts

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Student in College – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums on Sportage insurance.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Sportage insurance with select insurance companies.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance companies aren’t that generous.

Car insurance companies that may offer these discounts may include but are not limited to:

Double check with each insurance company how you can save money. Savings may not be available everywhere.

Car insurance is unique, just like you

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you may require specific advice.

  • When should I buy a commercial auto policy?
  • Do I need higher collision deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Is pleasure use cheaper than using my 2001 Kia Sportage to commute?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I break a side mirror?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, bail bonds and court costs. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, theft, damage from a tornado or hurricane and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as chiropractic care, rehabilitation expenses, nursing services, funeral costs and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Kia Sportage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance pays for damage to your Sportage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, driving through your garage door, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured cut uninsured motorist or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Discount 2001 Kia Sportage insurance can be bought on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

We just presented many ways to compare insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies.

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