Save on 2015 Kia Sportage Car Insurance Quotes

Having to pay for high-priced Kia Sportage insurance can deplete your family’s budget and put a big crunch on your finances. Comparing price quotes is an excellent way to make ends meet.

There are many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, more choices can make it harder to find a good deal.

Cheapest insurance coverage price quotes

Getting a cheaper price on 2015 Kia Sportage insurance is an easy way to save money. Just take time comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

Without a doubt, the easiest way to get quotes is a comparison rater form like this one (opens in new window). This style of form eliminates the need for separate quotes for each company you want a rate for. Completing one form gets you price quotes from multiple companies.

A less efficient way to get quotes online requires a trip to each individual company website and fill out their own quote form. For instance, we’ll pretend you want to view quotes from Liberty Mutual, State Farm and GMAC. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but be certain you are entering identical deductibles and coverage limits for each price quote. If your comparisons have different data you will not be able to make an equal comparison.

Beware of misleading auto insurance ads

Consumers can’t get away from ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. They all convey the message that drivers will save a bundle if you just switch your auto insurance coverage to their company.

But how can every company charge lower premium rates?

Insurance companies quote their best rates for the type of customer that will not have excessive claims. An example of a driver they prefer could possibly be over the age of 50, has no driving citations, and chooses high deductibles. Anyone that fits those parameters may get the lowest car insurance rates as well as save if they switch.

Potential insureds who don’t measure up to those criteria will have to pay more expensive rates and the customer not buying. The ad wording is “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can make claims that they all have the best prices.

Different companies use different criteria so you really should get car insurance quotes from several different companies. You cannot predict with any certainty which company will be your best fit.

You can change your insurance costs

Part of the car insurance buying process is learning some of the factors that help determine your premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with much lower annual insurance costs. Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but others are not quite as obvious like where you live or your vehicle rating.

The items below are a few of the “ingredients” utilized by car insurance companies to help set prices.

  • Occupation can influence car insurance rates – Do you have a high-stress occupation? Occupational choices like military personnel, social workers and financial analysts have higher premium rates due to job stress and lengthy work days. Other jobs like farmers, students and retirees generally pay rates lower than average for Sportage coverage.
  • Insurance is expensive for teenage drivers – More experienced drivers are more responsible, cause fewer claims and accidents .Teenage drivers have been known to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Put fewer miles on your vehicle – The more you drive your Kia in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than cars that get driven a lot. It’s a smart idea to ensure your car insurance coverage properly reflects annual mileage, because it can save money. Having the wrong rating on your Sportage can cost quite a bit.
  • Liability coverage limits on your policy – Liability insurance is the protection if ever you are responsible for causing personal injury or damage in an accident. It will provide for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • More policies can equal more savings – Most larger companies apply lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to ensure the best deal.There is a chance you can save even more by buying car insurance from a different company.

Find discounts to get cheap car insurance rates

Some companies don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find ways to save on car insurance.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Driver Training Discounts – Successfully completing a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
  • Active Service Discounts – Being on active duty in the military can result in better car insurance rates.
  • Clubs and Organizations – Having an affiliation with a qualifying organization may earn a discount on car insurance.
  • Senior Citizen Discount – Seniors could receive better car insurance rates for Sportage coverage.

A little disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

  • GEICO may have discounts that include multi-policy, seat belt use, emergency military deployment, five-year accident-free, and membership and employees.
  • USAA discounts include new vehicle, military installation, defensive driver, loyalty savings, safe driver, and multi-vehicle.
  • Progressive offers discounts for good student, multi-vehicle, homeowner, continuous coverage, and online signing.
  • American Family has discounts for defensive driver, Steer into Savings, good student, mySafetyValet, and good driver.
  • Esurance policyholders can earn discounts including DriveSense, anti-lock brakes, online quote, multi-car, and good student.
  • Farmers Insurance may offer discounts for mature driver, teen driver, early shopping, youthful driver, distant student, electronic funds transfer, and business and professional.
  • State Farm has savings for defensive driving training, multiple policy, safe vehicle, accident-free, anti-theft, passive restraint, and multiple autos.

When comparing rates, check with each company which discounts can lower your rates. Some discounts may not apply in your area. If you would like to view insurers with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Are all vehicle passengers covered by medical payments coverage?
  • What are the financial responsibility laws in my state?
  • What is high-risk coverage and where do I buy it?
  • Does having multiple vehicles earn me a discount?
  • How can I get high-risk coverage after a DUI?
  • Do I need an umbrella policy?
  • What happens if I owe more than my 2015 Kia Sportage is worth?
  • Are split liability limits better than a combined single limit?
  • If I drive on a suspended license am I covered?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance coverage considerations

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – Collision coverage pays for damage to your Sportage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, fire damage, a tree branch falling on your vehicle and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – Liability insurance can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, loss of income, medical expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Spend less. Save more.

You just read some good ideas how you can compare 2015 Kia Sportage insurance auto insurance rates online. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding cheap car insurance. You may even discover the lowest priced car insurance comes from the least-expected company. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Lower-priced car insurance can be purchased from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide rates over the internet and most of the time these small insurance companies sell through independent agents.

For more information, take a look at the resources below: