Are you tired of paying out the nose to pay your auto insurance bill each month? You have the same problem as many other consumers.
There is such a variety of insurers to buy insurance from, and even though it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.
Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so the below list has some of the more common as well as the least known credits that you can use to lower your rates.
Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck.
Larger auto insurance companies and their offered discounts are outlined below.
It’s a good idea to ask each insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your state. To see a list of insurance companies who offer cheap auto insurance quotes, click this link.
The fastest way that we advise to compare car insurance company rates is to realize most insurance companies participate in a system to give you rate quotes. The only thing you need to do is give them rating details like if a SR-22 is required, driver details, if you lease or own, and daily mileage. That information is instantly sent to multiple insurance coverage providers and they provide comparison quotes instantly.
If you would like to compare rates now, click here and complete the quick form.
When choosing coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.
Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, chiropractic care and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Sportage.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Liability – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims such as medical services, emergency aid, repair costs for stationary objects, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.
Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, rock chips in glass, damage from a tornado or hurricane, theft and damage from flooding. The maximum payout 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 consider dropping full coverage.
In this article, we presented many tips how you can reduce 1997 Kia Sportage insurance rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper insurance coverage. You may even find the lowest rates come from a small mutual company. These companies often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm or Progressive.
When searching for low cost insurance coverage quotes, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage only to regret at claim time that it was a big error on their part. The goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.
For more information, link through to the articles below: