2017 Kia Sportage Insurance Cost

Wish you could get out of an expensive car insurance policy? It’s quite common and you’re not alone. Companies like GEICO, Farmers Insurance and State Farm increase brand awareness with catchy ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

How to lower your insurance rates

Many factors are considered when you quote your car insurance policy. Some are obvious like your driving record, but some are not as apparent like your vehicle usage and annual miles driven.

The itemized list below are a few of the “ingredients” companies use to determine rates.

  • With age comes responsibility – Drivers with little experience are proven to be easily distracted when behind the wheel so insurance rates are higher. Adding a inexperienced driver to your policy can be quite pricey. Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Prevent theft and save – Selecting a car model with an alarm system can earn a premium discount. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent vehicle theft.
  • Policy add-ons add up – Insurance companies have many additional coverages that you can buy on your Sportage policy. Coverages like roadside assistance, better glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea at first, but now you might not need them so get rid of them and save.
  • Never go without insurance – Not having insurance can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Drivers with good credit save – An insured’s credit score factor in determining what you pay for insurance. So if your credit is lower than you’d like, you could be paying less to insure your 2017 Kia Sportage by improving your rating. Drivers who have excellent credit scores tend to be less risk to insure than drivers who have lower ratings.
  • Less chance of injury means lower rates – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Kia Sportage earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

The quickest method we recommend to compare rate quotes is to know the fact most larger insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is provide information including what your job is, driver details, if you require a SR-22, and distance driven. Those rating factors is sent automatically to multiple different insurance companies and you should receive rate quotes instantly to find the best rate.

Insurance companies offer money-saving discounts

Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that you may not know about. A few discounts will automatically apply when you quote, but some need to be asked for before they will apply.

  • Responsible Driver Discounts – Insureds who avoid accidents could pay up to 40% less for Sportage coverage than their less cautious counterparts.
  • E-sign Discounts – Some insurance companies may give you up to $50 just for signing your application digitally online.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Renewal Discounts – A few companies offer discounts for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Include Life Insurance and Save – Select insurance carriers reward you with a discounted price on car insurance if you buy life insurance.
  • Low Mileage Discounts – Keeping the miles down on your Kia could earn slightly better premium rates than normal.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
  • Multi-policy Discount – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of up to 20% off your total premium.

As a sidenote, most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and the discounts they provide are outlined below.

  • American Family offers discounts including good student, multi-vehicle, air bags, defensive driver, early bird, Steer into Savings, and TimeAway discount.
  • Nationwide offers discounts for multi-policy, Farm Bureau membership, business or organization, easy pay, and good student.
  • MetLife has discounts for good student, accident-free, defensive driver, multi-policy, claim-free, and good driver.
  • 21st Century has savings for teen driver, anti-lock brakes, student driver, air bags, 55 and older, good student, and theft prevention.
  • Farmers Insurance may have discounts that include homeowner, good student, mature driver, youthful driver, and distant student.
  • Allstate offers premium reductions for anti-theft, farm vehicle, new car, senior citizen, 55 and retired, eSmart discount, and teenSMART discount.

It’s a good idea to ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. If you would like to view insurance companies that have a full spectrum of discounts, click here.

Do I just need basic coverages?

When choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • How can I force my company to pay a claim?
  • Do I benefit by insuring my home with the same company?
  • Should I buy only the required minimum liability coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Where can I find high-risk insurance?
  • Should I buy full coverage?
  • Should I get collision insurance on every vehicle?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Collision protection

Collision insurance covers damage to your Sportage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hail damage, damage from a tornado or hurricane, damage from flooding and falling objects. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, rehabilitation expenses, chiropractic care, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, structural damage, legal defense fees, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Saving money makes a lot of cents

Lower-priced insurance can be bought both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not have online price quotes and usually these regional carriers only sell coverage through independent agents.

You just learned a lot of techniques to compare 2017 Kia Sportage insurance premium rates online. It’s most important to understand that the more times you quote, the higher your chance of finding low cost auto insurance. Consumers may even find the lowest premium rates are with a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best possible price.

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