How Much Does 2014 Kia Sportage Insurance Cost?

Want better insurance rates for your Kia Sportage? Being forced to pay for overpriced insurance premiums can bleed your bank account and force you to make sacrifices. Doing a rate analysis can be a smart way to reduce premiums and put more money in your pocket.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the best price available.

It’s a good habit to get comparison quotes before your policy renews because rates are rarely the same from one policy term to another. Even if you got the best premium rates for Sportage insurance last year you will most likely find a better price today. Forget all the misinformation about insurance because we’re going to demonstrate the proper way to find great coverage at a great price.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Buying car insurance is not rocket science. Nevertheless, vehicle owners must comprehend the methods companies use to compete online and apply this information to your search.

Lower your insurance rates

Many factors are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are more transparent like your vehicle usage or your financial responsibility.It’s important that you understand the factors that help calculate your car insurance rates. When consumers understand what impacts premium levels, this enables informed choices that may result in lower car insurance prices.

  • Your stress level may be raising your rates – Occupations like judgesair traffic controllers and miners tend to pay higher rates than average attributed to high stress levels and lengthy work days. On the flip side, jobs such as scientists, engineers and performers pay lower than average rates for Sportage insurance.
  • Older drivers are lower risk – Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and are generally more financially stable.Teen drivers tend to be inattentive and easily distracted when behind the wheel so they pay higher car insurance rates.
  • The higher your credit score the lower your costs – An insured’s credit history is a large factor in calculating your premium rate. Therefore, if your credit score can use some improvement, you may save money insuring your 2014 Kia Sportage by repairing your credit. People that have very good credit scores tend to file fewer claims than drivers who have lower credit ratings.
  • Vehicle theft costs us all – Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
  • Don’t cancel your policy without a new one in place – Letting your insurance expire can be a sure-fire way to increase your rates. Not only will rates go up, the inability to provide proof of insurance could result in a revoked license or a big fine.

Insurance coverage rates and discounts

Some insurance providers don’t list every disount available in a way that’s easy to find, so the below list has a few of the more common and also the more inconspicuous discounts that you may qualify for.

  • Switch and Save Discount – A few insurance coverage companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Discount for Home Ownership – Owning your own home or condo can save you money since home ownership is proof of financial responsibility.
  • Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
  • Senior Citizens – Seniors can get better insurance coverage rates for Sportage insurance.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings up to 30%.
  • Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for Sportage insurance with select insurance companies.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance too.
  • Paperless Signup – Some insurance coverage companies give back up to $50 for signing up on your computer.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
  • College Student – Youth drivers who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.

Remember that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you can get free auto insurance, it just doesn’t work that way. Any amount of discount will definitely lower the amount you have to pay.

Some of the insurance companies who might offer most of these discounts include:

It’s a good idea to ask each company how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your state. To view insurance coverage companies with discount insurance coverage rates, click here to view.

Do auto insurance companies bend the truth?

Auto insurance companies such as Allstate and Progressive endlessly run television, radio, and online ads. They all seem to tend to make the same promise that you can save after switching to their company. How do they all give you a better price? It’s all in how they say it.

Auto insurance companies require specific criteria for the type of customer that earns them the highest profit. For instance, a desirable insured might be described as a mature driver, has few claims, and the vehicle is rated for pleasure use. A propective insured that hits that “sweet spot” will most likely get cheap prices and as a result will probably save quite a bit of money when switching.

Drivers who do not fit the “perfect” profile may receive higher prices which usually ends up with the customer not purchasing. Company advertisements say “people that switch” not “everybody who quotes” save money. This is how insurance companies can make the claims of big savings. Because of these techniques, it is so important to do a price quote comparison at every renewal. It is just not possible to predict which insurance companies will give you lower premium rates than your current company.

Situations that may require an agent’s advice

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover my expensive audio equipment?
  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like dental work, funeral costs, nursing services and chiropractic care. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sportage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, hitting a deer, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage covers damage to your Sportage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Never pay more for less

Cost effective 2014 Kia Sportage insurance can be found online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not have price quotes online and these regional carriers only sell coverage through local independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage only to find out that the savings was not a smart move. The goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

More detailed auto insurance information is located by following these links: