2011 Kia Sportage Car Insurance Quotes – 5 Ideas for Cheaper Rates

There isn’t anyone who likes having to buy car insurance, especially when the prices are way too high.

There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the lowest rates.

It’s a good habit to quote other rates yearly because prices are usually higher with each renewal. Even if you got the best price on Sportage insurance a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the things you must know in order to lower your annual insurance bill.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. But car owners need to learn how companies sell insurance online and use this information to your advantage.

Find hidden discounts to get affordable insurance quotes

Insurance is not inexpensive, but companies offer discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but lesser-known reductions have to be asked about before being credited.

  • Auto/Home Discount – If you can bundle your auto and homeowners insurance with the same company you could get a discount of approximately 10% to 15%.
  • Data Collection Discounts – Insureds who allow their company to analyze vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
  • Paperless Signup – A few larger online companies will give a small break shop car insurance on their website.
  • More Vehicles More Savings – Insuring several vehicles with the same company can reduce the rates for all insured vehicles.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on Sportage insurance than less cautious drivers.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you could get a free insurance policy, companies wouldn’t make money that way.

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

  • GEICO has savings for anti-lock brakes, anti-theft, membership and employees, daytime running lights, and seat belt use.
  • MetLife offers discounts for claim-free, accident-free, good student, defensive driver, multi-policy, good driver
  • State Farm may offer discounts for multiple autos, driver’s education, accident-free, good driver, multiple policy, safe vehicle, and defensive driving training.
  • Progressive may include discounts for continuous coverage, online signing, homeowner, online quote discount, and multi-vehicle.
  • Mercury Insurance policyholders can earn discounts including age of vehicle, good driver, professional/association, anti-theft, ease of repair, type of vehicle, and annual mileage.
  • 21st Century has discounts for 55 and older, teen driver, student driver, good student, and air bags.
  • Allstate includes discounts for FullPay discount, anti-lock brakes, good student, new car, and resident student.

Before buying, ask all the companies how you can save money. Some discounts may not apply to policies in your area. To locate providers who offer cheap insurance quotes, follow this link.

How much does car insurance cost?

There are multiple methods you can shop for car insurance but some are less labor-intensive and much quicker. You can spend your afternoon talking to agents in your area, or you can stay home and use the internet to achieve your goal.

Most of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company provides a quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is you can’t choose which providers you want to price. So if you prefer to choose specific insurance companies to compare, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you use, try to keep identical coverage information for each comparison quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to make an equal comparison. Having just a slight variation in coverage limits may cause a big price difference. It’s important to know that comparing a wide range of rates gives you a better chance of getting a lower rate than you’re paying now. Not every company provides quotes online, so it’s important to compare price estimates from the smaller companies as well.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight whether you could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • Is my cargo covered for damage or theft?
  • Does coverage extend to my business vehicle?
  • What is the ISO rating for a 2011 Kia Sportage?
  • Does my personal policy cover me when driving out-of-state?
  • Is my trailer covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, hitting a bird, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for hospital visits, pain medications, X-ray expenses, EMT expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverage

This provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles, bail bonds and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

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

Collision can pay for things such as backing into a parked car, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

In conclusion

Cost effective 2011 Kia Sportage insurance is definitely available both online in addition to local insurance agencies, so you need to quote car insurance with both to have the best selection. Some companies do not provide rates over the internet and usually these smaller providers work with local independent agencies.

When searching for inexpensive car insurance quotes, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best possible price.

In this article, we covered a lot of tips how to compare 2011 Kia Sportage insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest priced car insurance comes from the least-expected company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

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