1998 Kia Sportage Insurance Quotes – 9 Tips to Save

Purchasing the lowest cost insurance coverage on the web may be challenging for beginners to buying insurance online. With such a large number of choices, how can anyone possibly compare every one to find the cheapest rates?

Cheap Car Insurance Comparisons

The are a couple different ways of comparing price quotes from local car insurance companies. The best way to find the cheapest 1998 Kia Sportage insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate quotes for every car insurance company. Just one form compares rates from several companies. This is by far the quickest method.
  • A more time consuming way to compare rate quotes consists of going to each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Geico, Farmers and Progressive. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

However you get your quotes, make sure you use exactly the same deductibles and coverage limits with every price quote. If each company quotes different limits and deductibles on each one you will not be able to find the best deal for your Kia Sportage. Just a small difference in coverage limits may result in a large different in cost. And when quoting car insurance, remember that obtaining a wide range of quotes will enable you to find a better price.

These nine discounts can slash insurance coverage rates

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but some must be specially asked for before they will apply.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Accident Free – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Low Mileage – Keeping the miles down on your Kia could qualify for better rates on cars that stay parked.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy on Sportage insurance.
  • Passive Restraint Discount – Cars that have air bags can receive discounts up to 30%.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Sportage insurance with a few insurance coverage companies.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Sportage insurance than drivers with accident claims.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy on their website.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

To see a list of providers offering insurance coverage discounts, click here.

When might I need the advice of an agent?

When choosing coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Exactly who is provided coverage by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have newly-aquired coverage?
  • How much can I save by bundling my policies?
  • Do I pay less if my vehicle is kept in my garage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need more liability coverage?
  • 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?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Specific coverage details

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, hitting a mailbox, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for expenses for nursing services, chiropractic care and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 1998 Kia Sportage.

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 should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Final thoughts

Drivers leave their current company for a number of reasons such as unfair underwriting practices, high prices, policy cancellation and even delays in paying claims. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

The cheapest 1998 Kia Sportage insurance can be bought on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We’ve covered many tips how you can lower your insurance rates. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with a lesser-known regional company.

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