2015 Kia Sportage Insurance Quotes

Are you sick and tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than many other drivers.

Having so many different company options, it’s difficult to find the most cost effective provider.

Kia Sportage rates are in the details

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

  • Pay less if you’re married – Being married can get you a discount when buying auto insurance. It usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Never let your coverage lapse – Allowing your coverage to lapse will be a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage might get you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Where do you drive? – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money. Incorrect usage on your Sportage may be costing you.
  • What are your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Examples of covered claims would be collision with another vehicle, collision with an animal, and burglary. Physical damage deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The more you’re willing to pay, the less your auto insurance will be on Sportage insurance.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Both sexes have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like reckless driving and DUI.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and term life insurance may be wasting your money. These coverages may sound good at first, but if they’re wasting money eliminate them to save money.

Vehicle Insurance Comparison

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company then returns a price quote based on that information. This eliminates the need for quote requests to every company.

To compare pricing click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have a listing of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage limits for each price quote. If you compare different deductibles you will not be able to make an equal comparison. Just a small difference in insurance coverages can result in a big premium difference. Keep in mind that getting more free quotes will increase your chances of finding better pricing.

Can you really save that much by switching?

Car insurance providers like State Farm, Allstate and Geico consistently run television and radio advertisements. They all make the same claim about savings if you change your policy. How does each company make the same claim? This is how they do it.

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of a profitable customer might be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential customers who don’t measure up to the requirements will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently claim big savings.

This emphasizes why drivers must get as many comparisons as possible. It’s not possible to predict which car insurance company will fit your personal profile best.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few need to be inquired about before being credited.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Student in College – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • One Accident Forgiven – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

A partial list of companies that may have these discounts include:

Double check with each insurance company which discounts they offer. Discounts might not be offered in your state.

Don’t assume everyone needs the same coverage

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions can help discover whether or not you could use an agent’s help.

  • Does insurance cover damages from a DUI accident?
  • Am I better off with higher deductibles on my 2015 Kia Sportage?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving on a suspended license?
  • Is my 2015 Kia Sportage covered for smoke damage?
  • When would I need additional glass coverage?
  • Is business property covered if stolen from my car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Collision coverages – This coverage will pay to fix damage to your Sportage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for things like surgery, prosthetic devices and chiropractic care. The coverages 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 as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, emergency aid and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, fire damage, hitting a bird, hail damage and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Affordable insurance is out there

Lower-priced 2015 Kia Sportage insurance is definitely available both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits only to find out that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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