How Much Does 2012 Kia Sportage Insurance Cost?

Want better insurance rates? Drivers have options when trying to find low-cost Kia Sportage insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to compare insurance rates and you need to know the proper way to get price quotes for your Kia and get the cheapest rates either online or from local insurance agents.

It’s a great practice to take a look at other company’s rates at least once a year since insurance rates change quite often. Despite the fact that you may have had the best price on Sportage insurance on your last policy there is a good chance you can find better rates now. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in the fastest way to save on insurance.

If you are insured now or need a new policy, you can follow these tips to find the best rates and still get good coverage. The purpose of this article is to introduce you to how to get online quotes and some tricks to saving. Consumers just need to know the most effective way to compare price quotes on the web.

Pay less for 2012 Kia Sportage insurance

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be inquired about before being credited. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • 55 and Retired – Mature drivers can possibly qualify for better auto insurance rates on Sportage insurance.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates on auto insurance on Sportage insurance.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Sportage insurance depending on your company.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Sportage insurance than drivers with accidents.

It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the cost of coverage.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Factors determining your Kia Sportage insurance premium

Smart consumers have a good feel for some of the elements that come into play when calculating your car insurance rates. Knowing what determines base rates helps enable you to make changes that could result in big savings.

The list below includes a partial list of the pieces that factor into premiums.

  • You might want pay the small claims yourself – Companies give discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher rates. Your insurance policy is designed for the large, substantial claims.
  • High credit ratings translate to low rates – Having a bad credit score is a huge factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit. If your credit score is low, you could potentially save money when insuring your 2012 Kia Sportage by spending a little time repairing your credit.
  • Men are more aggressive – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations such as reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
  • High crash test scores lower rates – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If your Kia Sportage scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • Am I missing any policy discounts?
  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need an umbrella policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my 2012 Kia Sportage and owe more than it’s worth?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t get away from ads that promise big savings by Progressive, Geico, Allstate and State Farm. All the companies have a common claim about savings after switching to their company.

How does each company make the same claim?

All the different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could possibly be over the age of 40, has no driving citations, and has great credit. A customer who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to these standards must pay higher premiums which usually ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings.

This illustrates why drivers must get quotes from several different companies. It’s just too difficult to predict the company that will fit your personal profile best.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for things like pain medications, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Sportage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, loss of income, court costs, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.

Take this to the bank

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, delays in responding to claim requests and policy non-renewal. It doesn’t matter what your reason, switching insurance coverage companies can be pretty painless.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced full coverage only to discover later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we presented quite a bit of information on how to reduce 2012 Kia Sportage insurance prices online. The most important thing to understand is 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 lowest priced insurance coverage comes from some of the smallest insurance companies.

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