Lower Your 2005 Kia Sportage Insurance Rates

Searching for better insurance coverage rates for your Kia Sportage? Having to pay for overpriced Kia Sportage insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparing price quotes is a smart way to cut your insurance bill.

Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies to get the best rate

Compare the Market for Insurance Coverage

Most companies like Progressive, Geico, Allstate and State Farm provide insurance quotes on the web. Obtaining pricing is quite simple as you simply enter your personal and coverage information into the quote form. After you complete the form, their system gets reports for credit and driving violations and generates a price. Quoting online simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you want to find better prices.

A less time-consuming method to find lower prices makes use of a single form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier to do. After sending your information, your coverage is rated and you are able to buy any of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out how much you can save on insurance coverage, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you replicate the coverages exactly as shown on your declarations page. Doing this assures you are getting a rate comparison using the same coverage and limits.

Discounts on Kia Sportage insurance

Companies that sell car insurance don’t necessarily list all their discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
  • Accident Forgiveness – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • No Accidents – Good drivers with no accidents can save substantially when compared with frequent claim filers.

Consumers should know that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of providers with discount insurance coverage rates, click this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions could help you determine if you might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I make deliveries for my home business?
  • Am I covered if I hit a deer?
  • Do I need more liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • When can I cancel my policy?
  • I don’t drive much so do I pay less?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Factors that can influence insurance rates for a Kia Sportage

It’s important that you understand the factors that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the items used by your company to calculate prices.

  • Policy add-ons can waste money – There are a ton of extra coverages that you can get tricked into buying on your Sportage policy. Coverages like personal injury protection, accidental death and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Men are more aggressive – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than bad drivers. Only having one speeding ticket can bump up the cost forty percent or more. If you have serious violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • No coverage gaps is important – Allowing your coverage to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Pay less if you’re married – Having a spouse can actually save you money when buying insurance coverage. Marriage translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in calculating your insurance coverage rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2005 Kia Sportage by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.

The fine print in auto insurance ads

Companies like Progressive, Geico, Allstate and State Farm consistently run ads on TV and radio. All the ads make the same claim that you can save if you change to them. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the right customer that makes them money. A good example of a profitable customer could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save when switching.

Drivers who fall outside this ideal profile will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can state the savings. This emphasizes why it’s extremely important to get as many quotes as possible. It is impossible to predict which auto insurance company will give you the biggest savings on Kia Sportage insurance.

Coverage specifics

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Collision coverage – Collision coverage pays for damage to your Sportage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb, sideswiping another vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sportage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as X-ray expenses, rehabilitation expenses, funeral costs and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance provides protection from damage that occurs to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for 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. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things like structural damage, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Compare but don’t skimp

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage and discovered at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

In this article, we covered some good ideas how you can save on 2005 Kia Sportage insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

The cheapest insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

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