How Much Does 1995 Kia Sportage Car Insurance Cost?

Shoppers have options when shopping for affordable Kia Sportage insurance. You can either spend your time driving around getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to get price quotes for your Kia and get the lowest possible price from both online companies and local agents.

It’s a good habit to compare premium rates periodically because insurance coverage prices are adjusted regularly by insurance companies. Even if you think you had the best price on Sportage insurance two years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

The easiest way to compare rates is to know the trick most of the larger companies allow for online access to give free rates quotes. The only thing you need to do is provide a small amount of information including whether the vehicles are used for commuting, your general credit rating, if you have a valid license, and what your job is. Your information is instantly provided to insurance carriers in your area and you receive quotes very quickly.

Do you really save 40% when you switch?

Drivers can’t avoid all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all advertise the message that drivers can save some big amount if you move your coverage.

How does every company claim to save you money? This is how they do it.

Insurance providers look for specific characteristics for the type of customer that earns them the most money. For instance, a profitable risk profile might have to be a married male, carries high limits, and has a short commute. Any person who fits that profile receives the best prices and will probably save if they switch.

Drivers who don’t measure up to this ideal profile may be required to pay a more expensive rate and this can result in the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much. This is how insurance companies can make claims that they all have the best auto insurance rates.

Because every company is different, you really need to compare rate quotes every year. You cannot predict with any certainty which company will fit your personal profile best.

Get cheap rates by getting discounts

Insurance coverage is not inexpensive, but discounts can save money and there are some available that may help make it more affordable. Some discounts will apply when you get a quote, but occassionally some discounts must be asked for before you get the savings. If you do not double check each discount you deserve, you could be paying more than you need to.

  • Telematics Data Discounts – People who choose to allow companies to look at driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts as long as the data is positive.
  • Claim Free – Drivers who don’t have accidents pay less as opposed to drivers with a long claim history.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Low Mileage – Fewer annual miles on your Kia could be rewarded with lower premium rates due to less chance of an accident.
  • Buy New and Save – Buying a new car model can be considerably cheaper because newer models are generally safer.
  • Save over 55 – Older drivers could receive a small decrease in premiums on Sportage insurance.

Remember that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will help lower your policy premiums.

A list of insurance coverage companies and their possible discounts are:

  • State Farm has discounts for multiple policy, accident-free, student away at school, driver’s education, anti-theft, passive restraint, and safe vehicle.
  • Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
  • Progressive may include discounts for continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, online signing, and good student.
  • MetLife policyholders can earn discounts including good student, defensive driver, multi-policy, accident-free, claim-free, and good driver.
  • Farm Bureau offers premium reductions for safe driver, youthful driver, good student, multi-vehicle, renewal discount, 55 and retired, and driver training.
  • GEICO includes discounts for federal employee, seat belt use, anti-lock brakes, anti-theft, defensive driver, driver training, and five-year accident-free.
  • SAFECO discounts include teen safe driver, teen safety rewards, anti-theft, multi-car, and drive less.

Before buying, ask each insurance company which discounts you may be entitled to. Some credits might not be offered on policies in your area.

Your insurance coverage should be tailored to you

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • What is no-fault insurance?
  • Should I have a commercial auto policy?
  • Is other people’s property covered if stolen from my vehicle?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance coverage options for a 1995 Kia Sportage

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability – Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Sportage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from flooding, theft and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Kia Sportage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for bills such as prosthetic devices, pain medications and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Quote more, save more

Some companies may not provide the ability to get a quote online and most of the time these regional carriers work with independent agencies. Cheaper car insurance can be sourced on the web in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

Drivers change insurance companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, an unsatisfactory settlement offer or questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider can be less work than you think.

When getting insurance coverage quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best price, but don’t skip important coverages to save money.

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