Compare 2009 Kia Sportage Car Insurance Rates

Searching for the cheapest insurance coverage rates? Consumers have options when looking for affordable Kia Sportage insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to compare rates.

There is a better way to compare insurance coverage rates so you’re going to learn the best way to price shop coverage on a Kia and get the lowest possible price from local insurance agents and online providers.

If you have a current insurance coverage policy or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. The purpose of this post is to familiarize you with how to get online quotes and some tricks to saving. Consumers just need to learn the most efficient way to compare price quotes over the internet.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some must be inquired about prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Low Mileage Discounts – Keeping the miles down on your Kia could qualify for a substantially lower rate.
  • Resident Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Clubs and Organizations – Affiliation with certain professional organizations is a good way to get lower rates on your policy on Sportage insurance.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Sportage insurance than less cautious drivers.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

Car insurance companies that may offer some of the above discounts are:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not be offered in your area.

Free Car Insurance Quotes

Finding lower car insurance rates doesn’t have to be difficult. You just have to take a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions to each individual car insurance company. Taking the time to complete one form gets you coverage quotes from car insurance companies with the best prices. Just one form and you’re done.
  2. A harder way to get quotes online is spending the time to visit each company’s website to request a price quote. For sake of this example, we’ll pretend you want to compare Farmers, State Farm and Allstate. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages and limits for each comparison quote. If you are comparing different limits and deductibles on each one you can’t possibly determine which rate is truly the best.

When should I talk to an agent?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What if I total my 2009 Kia Sportage and owe more than it’s worth?
  • Where can I get insurance after a DUI in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Does coverage extend to a rental car in a foreign country?
  • Can my babysitter drive my car?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage – This coverage pays for damage to your Sportage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, theft, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, X-ray expenses, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Liability – Liability coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, loss of income and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

The best insurance company isn’t always the cheapest

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

We just presented a lot of ways to get a better price on 2009 Kia Sportage insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with an unexpected company.

Discount insurance is available both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

Additional insurance information can be found at these links: