2001 Kia Sportage Car Insurance Rates

Shopping for the cheapest insurance is challenging for consumers not familiar with comparing rates and buying insurance on the web. Since there are so many insurers to choose from, how are consumers able to be able to compare each option to find the cheapest available price?

It’s important to get comparison quotes every six months because insurance rates tend to go up over time. Even if you got the best rate for Sportage insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to save money, get proper coverage and the best rates.

Insurance rates are influenced by these factors

Many factors are part of the calculation when quoting car insurance. Most are fairly basic such as traffic violations, but other factors are not quite as obvious like your continuous coverage or how financially stable you are.A large part of saving on auto insurance is knowing some of the things that play a part in calculating the price you pay for auto insurance. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower premium levels.

  • Teen drivers pay more – Inexperience drivers are statistically shown to be more careless behind the wheel therefore auto insurance rates are much higher. Parents adding a teen driver onto a policy can be quite pricey. Older people are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Premiums are affected by your address – Residing in small towns and rural areas can be a good thing when talking about auto insurance. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates. City drivers have more road rage incidents and higher rates of accident claims. Higher commute times means more chance of being in an accident.
  • Your liability limits – The liability section of your policy will afford coverage if ever a jury decides you are liable for personal injury or accident damage. Your liability coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Gender matters – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. The data does not necessarily mean that men are worse drivers. Males and females tend to get into at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving.

First Step: Get free car insurance quotes

To find low cost prices, there are a couple of ways of comparing rates from all the different companies. The easiest way by far to compare rates is to use the internet to compare rates. This can be done using a couple different methods.

  1. If you don’t have a lot of time, the easiest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotes for each price estimate. One simple form gets you price quotes from several companies. This is perfect if you don’t have a lot of time.
  2. A harder way to analyze rates is to manually visit each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you want to see prices from GEICO, Farmers and State Farm. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  3. The old school method to quote and compare insurance rates is driving to local insurance agencies. The ability to quote online makes this process obsolete unless your situation requires the professional advice of a local agent. It is possible with some companies comparison shop online but purchase the actual policy in an agency.

How you compare quotes is your choice, just make sure you compare nearly identical information on every price quote you get. If the quotes have different data you will not be able to make an equal comparison. Having just a slight variation in insurance coverages or limits could skew the results. And when comparison shopping, getting more free quotes will improve the odds of getting a lower rate.

You may qualify for discounts

Some insurers don’t always advertise every available discount in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Mature Driver Discount – Older drivers may be able to get lower premium rates for Sportage insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars on a single policy can reduce the rates for all insured vehicles.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help lower the premium cost.

Popular insurance companies and their possible discounts are:

  • State Farm offers discounts for safe vehicle, Steer Clear safe driver discount, accident-free, anti-theft, defensive driving training, and multiple policy.
  • Nationwide may include discounts for good student, family plan, business or organization, Farm Bureau membership, defensive driving, and multi-policy.
  • GEICO includes discounts for defensive driver, five-year accident-free, membership and employees, multi-vehicle, military active duty, seat belt use, and anti-lock brakes.
  • AAA discounts include education and occupation, multi-policy, good student, pay-in-full, and AAA membership discount.
  • 21st Century has savings for driver training, 55 and older, homeowners, early bird, defensive driver, air bags, and good student.
  • The Hartford may have discounts that include good student, bundle, anti-theft, vehicle fuel type, air bag, and defensive driver.

If you are trying to find affordable insurance quotes, ask each company or agent what discounts are available to you. Some credits may not apply to policyholders everywhere. If you would like to view insurance companies who offer discounts, click here to view.

There’s no such thing as the perfect insurance policy

When choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Is my babysitter covered when using my vehicle?
  • Why do I only qualify for high-risk insurance?
  • How does medical payments coverage work?
  • What is no-fault insurance?
  • At what point should I drop full coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverage details

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, a broken windshield, damage from flooding, hail damage and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 2001 Kia Sportage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as prosthetic devices, doctor visits, surgery, nursing services and ambulance fees. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, loss of income, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Shop Smart and Save

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Insureds leave their current company for a variety of reasons including high rates after DUI convictions, poor customer service, being labeled a high risk driver and an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Lower-priced auto insurance can be found both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance providers may not have the ability to get a quote online and usually these regional carriers prefer to sell through local independent agencies.

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