2000 Kia Sportage Insurance Rates – 10 Discounts for Cheaper Quotes

Trying to find lower auto insurance rates for your Kia Sportage? Searching for low-cost insurance for a Kia Sportage can normally be difficult, but you can use the following methods to find lower rates. There is a better way to compare auto insurance rates so we’re going to tell you the best way to compare rates on a Kia and get the cheapest rates from local insurance agents and online providers.

Save a ton with these ten discounts

Insurance can be prohibitively expensive, but there may be some discounts to help offset the cost. Certain credits will be shown when you quote, but less common discounts must be asked for before being credited.

  • Driver’s Ed – Have your child take driver’s ed class as it can save substantially.
  • Accident Waiver – This one isn’t a discount, but some insurance companies allow you one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
  • Auto/Life Discount – Some insurance companies give a small discount if you purchase life insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • No Claims – Insureds who avoid accidents and claims can earn big discounts compared to policyholders that have many claims.
  • Early Renewal Discounts – Some companies give discounts for buying a new policy early. The savings is around 10%.
  • Military Discounts – Being deployed with a military unit could mean lower premium rates.
  • Save over 55 – Drivers over the age of 55 can get a slight reduction on a car insurance quote on Sportage insurance.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Membership in Organizations – Affiliation with a qualifying organization could earn you a nice discount on your policy.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount should help lower your policy premiums.

A list of auto insurance companies and a partial list of their discounts are detailed below.

  • State Farm offers discounts for good driver, Drive Safe & Save, good student, multiple policy, driver’s education, safe vehicle, and multiple autos.
  • GEICO discounts include daytime running lights, defensive driver, membership and employees, federal employee, anti-lock brakes, and five-year accident-free.
  • Liberty Mutual offers discounts including multi-car, preferred payment discount, exclusive group savings, new move discount, and new graduate.
  • The Hartford offers premium reductions for anti-theft, bundle, driver training, vehicle fuel type, good student, defensive driver, and air bag.
  • MetLife has savings for multi-policy, accident-free, good driver, defensive driver, good student, claim-free
  • Progressive includes discounts for continuous coverage, good student, multi-policy, multi-vehicle, homeowner, and online quote discount.

If you are trying to find cheaper car insurance quotes, ask every company which discounts they offer. Some of the earlier mentioned discounts might not apply in your area. To choose companies that offer multiple discounts, click here to view.

What is the best auto insurance coverage?

When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my teen drive my company car?
  • Are rental cars covered under my policy?
  • Is a blown tire covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • How much can I save by bundling my policies?
  • Am I covered if I hit a deer?
  • Am I covered when driving a rental car?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2000 Kia Sportage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses such as EMT expenses, doctor visits, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your Sportage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, colliding with a tree, crashing into a ditch, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Auto liability – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like court costs, repair costs for stationary objects, structural damage, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

In Summary

When getting car insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

There are still a few companies who don’t offer online price quotes and these small insurance companies sell through independent insurance agents. Budget-friendly auto insurance is possible on the web in addition to many insurance agents, so you need to compare both to have the best selection.

Consumers leave their current company for a variety of reasons including poor customer service, denial of a claim, an unsatisfactory settlement offer and policy non-renewal. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

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