Sick and tired of paying out the nose to buy car insurance? Your situation is no different than many other drivers.
Many insurers compete for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive best rates possible.
It’s a great practice to take a look at other company’s rates once or twice a year since prices trend upward over time. Even if you think you had the lowest price on Sportage insurance last year you will most likely find a better rate quote today. There is a lot of wrong information about car insurance on the web, but I’m going to show you some guaranteed methods to slash your car insurance rates.
If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners should learn the way insurance companies price online insurance and take advantage of how the system works.
When looking for inexpensive insurance quotes, there are a couple ways to compare prices from lots of car insurance companies. The best way to find affordable 2012 Kia Sportage insurance rates consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.
Whichever way you choose to compare rates, make sure you compare exactly the same information on every quote you get. If you use different deductibles you can’t possibly determine the lowest rate for your Kia Sportage. Just slight variations in limits may cause a big price difference. Just remember that comparing more company’s prices will increase your chances of finding a lower rate than you’re paying now.
When buying the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2012 Kia Sportage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Collision coverages – Collision insurance covers damage to your Sportage resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
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. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things such as structural damage, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.
Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as hitting a deer, hail damage, fire damage, theft and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like X-ray expenses, funeral costs, dental work, hospital visits and surgery. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage