2018 Kia Sportage Insurance Rates – 8 Savings Tips

Want better insurance rates for your Kia Sportage? Getting lower-cost insurance can appear to be rather challenging for vehicle owners new to comparing rates and buying insurance over the internet. With literally dozens of companies in the marketplace, how can anyone have time to compare every insurance company to find the best available rates?

How to buy car insurance online

To find affordable auto insurance quotes, there are several ways to obtain and compare prices from companies that offer car insurance in your state. The simplest method to comparison shop is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing repetitive form entry for every company. One quote request will get you price quotes from many national carriers. It’s definitely the quickest method.
  2. Another way to obtain and compare quotes online requires a trip to each individual company website and fill out their own quote form. For example, we’ll pretend you want to compare Farmers, 21st Century and Progressive. In order to compare rates, you need to navigate to each company’s site and enter your information, which is why first method is reommended.

    For a list of links to insurance companies in your area, click here.

  3. The final way to get price estimates is going to insurance agencies in your area. Quoting and buying insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. It is possible to obtain prices from the web but buy the policy through an agent.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverages for every company. If you have different values for each quote it will be very difficult to get a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. Just keep in mind that more quotes provides better odds of finding a lower rate. Some smaller insurers to not give online quotes, so you need to compare price quotes on coverage from those companies, too.

Smaller companies may have the best rates

Allstate, Geico and Progressive endlessly run ads on TV and radio. All the ads tend to make the same promise that you’ll save big if you move your coverage. But how can every company charge lower premium rates? This is the way they can do it.

Many companies have a certain “appetite” for the type of driver that will generate a profit. A good example of this type of driver might be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get the preferred rates as well as save a lot if they switch.

Potential insureds who may not quite match these stringent criteria will see a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can make it sound like they have such great car insurance rates. Different companies use different criteria so you absolutely need to compare many company’s car insurance rates. It is impossible to guess the company that will have the lowest rates for your situation.

These eight discounts can slash insurance coverage rates

Insurance coverage is not an enjoyable expense, but you can get discounts that you may not even be aware of. Most are applied when you get a quote, but a few must be requested specifically before being credited.

  • Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Defensive Driver – Taking a safe driver class could possibly earn you a 5% discount and also improve your driving technique.
  • Low Miles Discount – Low annual miles may enable drivers to earn lower insurance coveragerates on the low mileage vehicles.
  • Save with a New Car – Buying a new car model can save you some money because newer vehicles keep occupants safer.
  • Passenger Safety Discount – Factory options such as air bags may qualify for discounts of 20 to 30 percent.
  • Paper-free Discount – Certain insurance companies provide a small discount simply for signing on the internet.
  • Safe Drivers – Drivers without accidents could pay up to 40% less on Sportage coverage compared to accident prone drivers.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.

Don’t be surprised that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the amount you pay for coverage.

If you would like to choose from a list of insurance coverage companies that offer the discounts shown above, click this link.

When do I need an agent’s advice?

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Should I rate my 2018 Kia Sportage as pleasure use or commute?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when using my vehicle for my home business?
  • What are the financial responsibility laws in my state?
  • When can my company non-renew my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like dental work, pain medications and ambulance fees. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. 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 a broken windshield, damage from flooding, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as legal defense fees, attorney fees, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Summing up your insurance search

You just read some good ideas how to lower your 2018 Kia Sportage insurance premium rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Insureds switch companies for a number of reasons such as policy non-renewal, denial of a claim, poor customer service or even delays in paying claims. It doesn’t matter why you want to switch switching insurance companies is actually quite simple.

Cheaper 2018 Kia Sportage insurance can be sourced from both online companies and from local agencies, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online quoting and these smaller providers only sell coverage through local independent agents.

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