2002 Kia Sportage Insurance Quotes

Do you think you bought high-priced auto insurance? Trust us, there are many drivers thinking the same thing. You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Consumers just need to know how to shop over the internet.

More discounts mean cheaper premiums

The price of auto insurance can be rather high, but you may qualify for discounts that you may not even know about. Some discounts will apply when you purchase, but once in a while a discount must be specifically requested before being credited.

  • Distant Student – Kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
  • Telematics Discount – Drivers that enable their insurance company to monitor driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
  • E-sign – A few larger online companies will provide an incentive for buying your policy online.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • New Car Discount – Buying a new car model can save you some money due to better safety requirements for newer models.
  • Active Military Service – Being on active deployment in the military could be rewarded with lower auto insurance rates.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a lower rate if you buy auto and life insurance together.

One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you’re out of luck. But all discounts should help lower your auto insurance premiums.

Larger auto insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO has savings for daytime running lights, five-year accident-free, seat belt use, federal employee, and emergency military deployment.
  • Travelers offers discounts including multi-car, save driver, student away at school, driver training, and good student.
  • Nationwide offers discounts for Farm Bureau membership, business or organization, defensive driving, accident-free, easy pay, and anti-theft.
  • Farmers Insurance has discounts for early shopping, pay in full, alternative fuel, youthful driver, electronic funds transfer, business and professional, and good student.
  • Esurance policyholders can earn discounts including DriveSense, safety device, renters, emergency road assistance, homeowner, multi-policy, and multi-car.
  • State Farm offers premium reductions for accident-free, good student, driver’s education, multiple autos, and anti-theft.
  • Progressive may offer discounts for online signing, homeowner, online quote discount, multi-policy, continuous coverage, and multi-vehicle.
  • Mercury Insurance may have discounts that include good student, good driver, multi-policy, anti-theft, and multi-car.

If you need lower rates, check with all the companies how many discounts you can get. Savings might not be available to policyholders in your area. If you would like to view insurers that offer discounts, follow this link.

What affects Kia Sportage insurance rates?

Multiple criteria are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but others are more obscure such as whether you are married and annual miles driven.

  • Raising deductibles saves money – Physical damage deductibles tell how much you are willing to pay out-of-pocket if you file a covered claim. Protection for physical damage, aka comp and collision, protects your car from damage. Examples of covered claims are a windshield broken by a bird, hail damage, and having a roll-over accident. The more the insured is willing to pay, the less your insurance will be for Sportage insurance.
  • How’s your driving record? – Being a careful driver can have a huge impact on auto insurance premiums. Careful drivers get better rates than their less careful counterparts. Even a single citation can boost insurance rates to the point where it’s not affordable. Drivers who get flagrant citations like reckless driving or DUI may find that they have to to maintain a SR-22 with their state in order to continue driving.
  • Cheaper insurance rates for being claim-free – Insurance companies award most affordable rates to policyholders who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Use one insurance company and save – The majority of insurers provide discounts to buyers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even though this discount sounds good, you still need to compare rates to help ensure you have the lowest rates.
  • Alarms and GPS tracking lower prices – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Driver age impacts prices – Teen drivers have been known to be inattentive in a vehicle so they pay higher insurance rates. Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether your personal situation might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I drop full coverage on my 2002 Kia Sportage?
  • Do I need an umbrella policy?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage options for a 2002 Kia Sportage

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Collision coverage

Collision coverage covers damage to your Sportage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Kia Sportage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

This will cover damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like loss of income, medical expenses, repair bills for other people’s vehicles, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding, a tree branch falling on your vehicle, theft and rock chips in glass. The most a car 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 removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills like dental work, surgery, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Smart shoppers get results

The cheapest 2002 Kia Sportage insurance is definitely available online and with local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies do not provide rates over the internet and usually these regional carriers only sell through independent insurance agents.

You just read some good ideas how you can lower your 2002 Kia Sportage insurance premium rates. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

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