Lower Your 1998 Kia Sportage Insurance Rates

Looking for better car insurance rates for your Kia Sportage? Finding better insurance prices for your Kia Sportage could be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to get price quotes for your Kia and find the cheapest rates.

You should take the time to do rate comparisons before your policy renews because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates for Sportage insurance a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to lower your annual insurance bill.

If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Shopping for the lowest cost coverage can be fairly easy. Drivers just need to understand the proper methods to shop on the web.

These discounts can lower insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there are discounts available that you may not know about. Many of these discounts will be applied automatically when you quote, but some must be inquired about prior to receiving the credit.

  • Buy New and Save – Buying a new car model can cost up to 25% less since newer models are generally safer.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 15% on the medical payments or PIP coverage costs.
  • Save over 55 – Drivers over the age of 55 can get a discount up to 10% for Sportage insurance.
  • Active Military Service – Having an actively deployed family member could mean lower prices.
  • Low Mileage – Driving fewer miles can earn lower prices on the low mileage vehicles.
  • Club Memberships – Participating in a professional or civic organization is a simple method to lower premiums when getting a insurance coverage quote.
  • Good Drivers – Insureds who avoid accidents can pay as much as 50% less for Sportage insurance as compared to drivers with claims.
  • Multiple Cars – Buying insurance for more than one vehicle on a single policy can reduce rates for all insured vehicles.

As a footnote on discounts, some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think all the discounts add up to a free policy, that’s just not realistic. But all discounts should definitely cut the cost of coverage.

A few companies that may offer most of these discounts may include but are not limited to:

When quoting, ask each insurance company how you can save money. Some credits may not be available in your area. For a list of insurance companies that offer discounts, follow this link.

Why smart buyers pay less for Kia Sportage insurance

Lots of factors are used when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are less apparent like your vehicle usage or your financial responsibility.

  • Miles impacts premiums – The more you drive your Kia annually the more it will cost to insure it. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Double check that your vehicle rating shows the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your Sportage may be costing you.
  • Liability limits are a factor – Your auto insurance policy’s liability coverage provides coverage in the event that a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Cheaper prices using alarms and GPS tracking – Driving a car that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.
  • Car plus home equals more savings – Most major insurance companies will give lower prices to clients who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s still a good idea to check prices from other companies to make sure you are getting the best deal.
  • Safer vehicles lower premiums – Safer cars are cheaper to insure. Highly rated vehicles result in less severe injuries and lower injury rates means your insurance company pays less and lower rates for you.
  • Having a spouse equates to better prices – Your spouse may earn you lower rates on your auto insurance policy. Having a spouse may mean you are more financially stable and it’s proven that drivers who are married file infrequent claims.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Kia. Some coverage claims could be a windshield shattered by a rock, collision with an animal, and having your car stolen. The deductibles state the amount of money you are willing to pay if the claim is covered. The more damage repair cost you have to pay, the less your auto insurance will be for Sportage insurance.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Can my babysitter drive my car?
  • Can I still get insurance after a DUI?
  • Am I covered when driving in Canada or Mexico?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How high should my medical payments coverage be?
  • Does coverage extend to a rental car in a foreign country?
  • I don’t drive much so do I pay less?
  • Should I put collision coverage on all my vehicles?
  • Are my friends covered when driving my car?
  • Should I buy more coverage than the required minimum liability coverage?

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. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, theft, damage from getting keyed, hitting a deer and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like EMT expenses, nursing services, dental work, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t 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 might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, repair costs for stationary objects, attorney fees and court costs. How much coverage you buy is your choice, but buy as large an amount as possible.

UM/UIM Coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1998 Kia Sportage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision coverage will pay to fix damage to your Sportage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, crashing into a ditch, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Keep this in mind

We covered many tips how you can shop for 1998 Kia Sportage insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding inexpensive insurance coverage. You may even discover the lowest rates are with a lesser-known regional company.

Discount 1998 Kia Sportage insurance can be found on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies may not offer internet price quotes and many times these smaller providers sell through independent agents.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

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