Cheap 1999 Kia Sportage Insurance Cost

Have you finally had enough of scraping the payment together to make your auto insurance payment? You have the same problem as many other vehicle owners. There is such a variety of insurers to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to find the lowest rates.

Use discounts to get cheaper auto insurance quotes

Auto insurance is expensive, but you can get discounts that could drop your premiums quite a bit. Certain credits will be shown when you purchase, but lesser-known reductions have to be inquired about prior to getting the savings. If you are not receiving all the discounts possible, you are paying more than you should be.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Passenger Safety Discount – Vehicles with factory air bags may get savings of 20% or more.
  • Low Mileage Discounts – Maintaining low annual mileage can earn lower auto insurancerates due to less chance of an accident.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount because newer vehicles are generally safer.
  • Discounts for Federal Employees – Active or former government employment could qualify for a slight premium decrease for Sportage coverage with a few auto insurance companies.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Large auto insurance companies and the discounts they provide are outlined below.

  • State Farm offers premium reductions for good student, defensive driving training, accident-free, safe vehicle, multiple autos, and good driver.
  • Farmers Insurance includes discounts for pay in full, distant student, electronic funds transfer, homeowner, multi-car, and mature driver.
  • GEICO policyholders can earn discounts including federal employee, good student, seat belt use, anti-lock brakes, air bags, and anti-theft.
  • American Family may have discounts that include air bags, accident-free, good driver, bundled insurance, good student, multi-vehicle, and early bird.
  • Nationwide has savings for good student, family plan, Farm Bureau membership, multi-policy, and easy pay.
  • Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, online signing, online quote discount, homeowner, and good student.

If you want cheap auto insurance quotes, ask every prospective company the best way to save money. Depending on the company, some discounts might not be available to policyholders in every state. To see providers that provide some of the discounts listed above, click here.

The cheapest insurance coverage quotes

Getting a cheaper price on 1999 Kia Sportage insurance can be surprisingly simple. The only requirement is to take time comparing price quotes to find the company with affordable auto insurance quotes. Comparing prices online can be done by using one of the methods below.

  1. The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do repetitive form submissions to each individual insurance coverage company. One quote request compares rates from multiple companies.
  2. A more difficult way to find more affordable insurance requires a trip to the website of each company and repeat the quote process again and again. For sake of this example, we’ll pretend you want to see prices from Progressive, Safeco and GMAC. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which is why the first method is quicker.

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

Whichever way you choose to compare rates, ensure you are comparing the same coverages on every quote. If each company quotes higher or lower deductibles it will be nearly impossible to make a fair comparison for your Kia Sportage.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Is my nanny covered when driving my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • What is the ISO rating for a 1999 Kia Sportage?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from flooding and theft. The highest amount your car insurance company will pay 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/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage 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. For this reason, having high UM/UIM coverages should not be overlooked.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance will cover damage that occurs to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as court costs, repair costs for stationary objects, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, doctor visits, nursing services, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

In any little way, save everyday

We just presented a lot of tips how to lower your 1999 Kia Sportage insurance rates. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Lower-priced 1999 Kia Sportage insurance is possible online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers provide coverage only through independent insurance agents.

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