2016 Kia Sportage Car Insurance Quotes – 9 Policy Discounts

Locating the cheapest insurance for your Kia Sportage can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare car insurance rates so you’re going to learn the absolute fastest way to price shop coverage for a new or used Kia and find the best price possible from local insurance agents and online providers.

You should make it a habit to compare premium rates before your next renewal because rates are rarely the same from one policy term to another. Just because you had the best rate on Sportage coverage a few years ago a different company probably has better prices today. You can search a lot of car insurance on the internet, but we’re going to give you some of the best ways to slash your car insurance rates.

Take these nine policy discounts and save

Buying insurance coverage is not cheap, but there could be available discounts to help bring down the price. Some discounts will apply when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
  • Military Discounts – Being deployed with a military unit could qualify you for better rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
  • Senior Citizens – Drivers over the age of 55 may receive a discount up to 10% on Sportage coverage.
  • Full Payment Discount – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies may permit one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Sportage coverage than drivers with accident claims.

We need to note that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, it’s just not the way it works.

To view insurance coverage companies that have a full spectrum of discounts, click here.

Compare insurance rates

Getting a low cost price on 2016 Kia Sportage insurance is an easy way to save money. The only requirement is to take a few minutes to get quotes to see which company has low cost auto insurance quotes. This is very easy and can be done by following the guidelines below.

  1. One of the fastest ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for boring form submissions for every prospective company. One simple form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to analyze rates is spending the time to visit each company website and go through the quote process again. For example, let’s assume you want to compare Progressive, Safeco and GEICO. You would have to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but make absolute certain that you use the same quote information on every quote. If you use mixed coverages it will be impossible to make an equal comparison.

Which policy gives me the best coverage?

When choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Is business property covered if stolen from my car?
  • How can I get my company to pay me more for my totalled car?
  • Should I rate my 2016 Kia Sportage as pleasure use or commute?
  • Does my personal policy cover me when driving out-of-state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance buyers beware

Consumers can’t get away from all the ads that claim the cheapest premium rates by companies like Allstate, GEICO and Progressive. All the ads say the same thing that drivers can save some big amount if you get a free auto insurance quote and switch your policy.

How does each company say the same thing? It’s all in the numbers.

Different companies have specific criteria for the type of driver that will generate a profit. For instance, a preferred risk may need to be a mature driver, has no tickets, and drives a lower-performance vehicle. Someone who fits those characteristics will most likely get cheap prices and therefore will save quite a bit of money when switching.

Potential insureds who fall outside the requirements must pay higher prices and ends up with the customer not buying. The ads state “drivers who switch” not “everyone who quotes” save the amount stated. That is how companies can advertise the way they do.

Because of this risk profiling, it’s extremely important to compare price quotes frequently. It is impossible to guess with any certainty which company will provide the lowest rates.

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, hitting a deer and fire damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, dental work, prosthetic devices and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Collision – This pays for damage to your Sportage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, crashing into a building, crashing into a ditch, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability – This can cover damage that occurs to a person or their property by causing an accident. 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 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, medical services, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Shop around and save

People who switch companies do it for a number of reasons such as denial of a claim, delays in paying claims, extreme rates for teen drivers and even questionable increases in premium. Whatever your reason, choosing a new company is not as difficult as it may seem.

In this article, we covered a lot of techniques to lower your 2016 Kia Sportage insurance premium rates. The key thing to remember is the more companies you get prices for, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest priced auto insurance comes from an unexpected company.

There are still a few companies who don’t offer the ability to get quotes online smaller companies only sell coverage through independent insurance agencies. Low-cost 2016 Kia Sportage insurance is definitely available both online as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

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